What people paid for mortgages in Jefferson County, WI (2025)

Across 809 closed home-purchase loans in 2025, the median interest rate in Jefferson was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $3,421 on a median loan of $275,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $3,421
Median loan amount: $275,000

809 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.875%–6.625%
Median total loan costs: $4,478
Median loan amount: $265,000

410 loans, 2025.

Lowest median rates in Jefferson (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.Summit Credit Union6.5%98 loans, median costs $3,059
2.JOHNSON BANK6.5%35 loans, median costs $2,418
3.FAIRWAY INDEPENDENT MORT CORP6.875%59 loans, median costs $3,590

Among lenders with at least 30 closed purchase loans in Jefferson County in 2025.

Refinance

1.ROCKET MORTGAGE5.99%48 loans, median costs $7,547
2.PENNYMAC LOAN SERVICES LLC5.99%11 loans, median costs $8,463
3.United Wholesale Mortgagebroker only6.124%17 loans, median costs $6,936
4.Summit Credit Union6.125%51 loans, median costs $1,556
5.FREEDOM MORTGAGE CORPORATION6.125%19 loans, median costs $5,059

Among lenders with at least 10 closed refinance loans in Jefferson County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in Jefferson

Every lender that closed at least 5 qualifying loans in Jefferson County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	Summit Credit Union	98	6.5%	$3,059	$425	$849
2	FAIRWAY INDEPENDENT MORT CORP	59	6.875%	$3,590	$1,690	$906
3	JOHNSON BANK	35	6.5%	$2,418	$640	$1,426
4	PremierBank	30	n/a	n/a	n/a	n/a
5	Landmark Credit Union	29	6.5%	$2,254	$799	$703
6	UW CREDIT UNION	27	6.5%	$3,004	$365	$1,157
7	Thompson Kane & Company, Inc	26	6.875%	$6,569	$2,588	$2,690
8	CARDINAL FINANCIAL COMPANY, LI	25	6.75%	$8,709	$4,978	$5,529
9	GUILD MORTGAGE COMPANY	20	6.625%	$5,645	$2,377	$1,594
10	BADGER BANK	19	n/a	n/a	n/a	n/a
11	Barrington Bank & Trust Company, N.A.	19	6.49%	$4,148	$1,564	$1,467
12	Associated Bank NA	18	6.438%	$2,548	$900	$363
13	Mortgage Research Center	14	6.188%	$4,808	$210	$1,194
14	ROCKET MORTGAGE	14	6.5%	$6,770	$2,577	$2,753
15	Bank Five Nine	13	6.625%	$3,663	$1,075	n/a
16	IXONIA BANK	13	6.5%	$4,253	$1,550	$2,355
17	JPMorgan Chase Bank, NA	13	6.5%	$2,914	$1,316	$1,058
18	US BANK, N.A.	12	6.562%	$2,541	$1,020	$675
19	Huntington National Bank	11	6.625%	$3,075	$1,573	$2,494
20	FARMERS & MERCHANTS STATE BANK	11	n/a	n/a	n/a	n/a
21	Educated Mortgage Services LLC	10	n/a	n/a	n/a	n/a
22	MOVEMENT MORTGAGE, LLC	10	6.562%	$4,790	$2,071	$1,550
23	NEWREZ LLC	9	6.625%	$3,405	$297	$639
24	PROSPERITY HOME MORTGAGE, LLC	8	6.625%	$3,212	$995	$1,055
25	COMPEER FINANCIAL	8	7.25%	$3,948	$1,151	$2,286
26	United Wholesale Mortgagebroker only	8	6.624%	$4,902	$2,601	$1,872
27	BANK OF SUN PRAIRIE	8	6.75%	$3,336	$772	$587
28	THE GREENWOOD'S STATE BANK	6	6.438%	$2,272	$500	n/a
29	WAUKESHA STATE BANK	6	6.75%	$3,281	$850	n/a
30	BANK FIRST N.A.	6	6.625%	$2,928	$400	n/a
31	WISCONSIN MORTGAGE CORPORATION	6	6.5%	$3,100	$1,358	$1,598
32	Bell Bank	6	6.808%	$3,602	$1,245	$1,611
33	Zippy Loans, LLC	6	8%	$2,282	$2,020	n/a
34	NATIONS LENDING CORPORATION	5	6.125%	$4,552	$2,452	$1,065
35	PLANET HOME LENDING, LLC	5	6.5%	$3,025	$1,695	$2,700
36	BANK OF DEERFIELD	5	n/a	n/a	n/a	n/a
37	A+ Mortgage Services Inc.	5	6.875%	$2,800	$1,500	n/a
38	CMG MORTGAGE INC	5	6.5%	$7,157	$1,677	$551
39	GUARANTEED RATE, INC.	5	6.75%	$3,546	$1,640	$5,850
40	21ST MORTGAGE	5	13.01%	n/a	n/a	n/a

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights

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One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

What happens after you submit

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Common questions

What mortgage rate did people get in Jefferson County in 2025?

The median interest rate on closed home-purchase loans in Jefferson County, Wisconsin in 2025 was 6.625%, across 809 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.