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

Across 1,842 closed home-purchase loans in 2025, the median interest rate in Rock was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $3,548 on a median loan of $245,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $3,548
Median loan amount: $245,000

1,842 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.99%–6.95%
Median total loan costs: $3,919
Median loan amount: $195,000

946 loans, 2025.

Lowest median rates in Rock (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.Mortgage Research Center, LLC6.375%68 loans, median costs $5,994
2.Associated Bank, National Association6.5%64 loans, median costs $2,631
3.University of Wisconsin Credit Union6.5%52 loans, median costs $3,180
4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.5%43 loans, median costs $7,752
5.First Mid Bank & Trust, National Association6.5%42 loans, median costs $3,388

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.812%42 loans, median costs $5,024
2.Johnson Financial Group6.125%49 loans, median costs $1,305
3.Rocket Mortgage, LLC6.25%106 loans, median costs $6,693
4.GUILD MORTGAGE COMPANY6.25%39 loans, median costs $4,479
5.FREEDOM MORTGAGE CORPORATION6.25%31 loans, median costs $6,612

Among lenders with at least 30 closed refinance loans in Rock County in 2025.

Lender by lender in Rock

Every lender that closed at least 5 qualifying loans in Rock 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	Johnson Financial Group	166	6.55%	$2,276	$615	$529
2	GUILD MORTGAGE COMPANY	159	6.75%	$5,505	$2,937	$1,640
3	Summit Credit Union	132	6.625%	$2,948	$425	$1,008
4	Blackhawk Community Credit Union	74	6.75%	$2,787	$795	$456
5	Mortgage Research Center, LLC	68	6.375%	$5,994	$646	$798
6	THOMPSON KANE & COMPANY, INC	65	6.75%	$5,243	$2,227	$1,160
7	Associated Bank, National Association	64	6.5%	$2,631	$900	$171
8	Fairway Independent Mortgage Corporation	59	6.75%	$4,875	$1,890	$1,747
9	Rocket Mortgage, LLC	58	6.625%	$6,941	$3,028	$3,127
10	Zippy Loans, LLC	53	8%	$2,082	$1,805	n/a
11	University of Wisconsin Credit Union	52	6.5%	$3,180	$519	$990
12	The First National Bank and Trust Company	50	6.625%	$3,058	$930	$821
13	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	43	6.5%	$7,752	$4,976	$2,133
14	First Mid Bank & Trust, National Association	42	6.5%	$3,388	$750	$1,108
15	U.S. Bank National Association	37	6.5%	$3,954	$1,081	$497
16	Bank of Milton	30	n/a	n/a	n/a	n/a
17	Barrington Bank & Trust Company, National Association	29	6.625%	$3,074	$936	$971
18	EDUCATORS CREDIT UNION	26	6.5%	$2,259	$71	n/a
19	Educated Mortgage Services, LLC	23	n/a	n/a	n/a	n/a
20	First Community CU of Beloit	23	n/a	n/a	n/a	n/a
21	First Community Bank	22	n/a	n/a	n/a	n/a
22	The Bank of New Glarus	22	6.375%	$2,900	$650	n/a
23	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	20	6.562%	$7,290	$4,459	$3,474
24	Bell Bank	18	6.433%	$5,423	$3,041	$2,169
25	MORTGAGE CENTER L.C	18	6.375%	$4,027	$1,400	$392
26	JPMorgan Chase Bank, National Association	18	6.433%	$2,870	$1,003	$1,087
27	Nations Lending Corporation	17	6.75%	$4,185	$1,750	$1,682
28	GUARANTEED RATE, INC.	17	6.6%	$4,228	$1,640	$1,400
29	GREENSTATE Credit Union	17	6.25%	$5,525	$1,200	$164
30	BMO Bank National Association	15	6.625%	$4,462	$1,250	$450
31	CROSSCOUNTRY MORTGAGE, INC.	15	6.99%	$5,229	$2,802	$1,923
32	Prosperity Home Mortgage, LLC	14	6.625%	$4,458	$1,608	$1,141
33	Old National Bank	13	6.5%	$3,458	$1,100	$63
34	Lake Ridge Bank	13	6.5%	$3,456	$700	n/a
35	NEWREZ LLC	13	6.625%	$3,675	$999	$1,318
36	Ixonia Bank	11	6.875%	$7,407	$1,695	$4,406
37	WISCONSIN MORTGAGE CORPORATION	10	6.438%	$3,482	$1,245	$620
38	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	9	6.5%	$7,920	$2,410	$932
39	PremierBank	8	n/a	n/a	n/a	n/a
40	Bankers' Bank	8	6.438%	$3,567	$1,535	$1,208

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, in plain English

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.

Request quotes on LendingTree

What happens after you submit

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Rock figures above, in your browser, without storing anything.

Common questions

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

The median interest rate on closed home-purchase loans in Rock County, Wisconsin in 2025 was 6.625%, across 1,842 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.