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Mortgage Rate Trends

Reedsburg, Wisconsin Mortgage Rates - October 2026

Reedsburg, Wisconsin mortgage rates range from 5.24% to 9.12%, verified by MonitorBankRates as of October 19, 2026. Current 30-year fixed mortgage rates in Reedsburg, Wisconsin include WCCU Credit UnionWCCU Credit Union660 S Albert Ave, Reedsburg, WI, 53959A5.0 ★Texas Ratio: 6.00% at 7.25%, Associated BankAssociated Bank750 Viking Dr, Reedsburg, WI, 53959A+5.0 ★Texas Ratio: 3.45% at 7.375%, Community First Bank Boscobel, WICommunity First Bank Boscobel, WI115 E Main St, Reedsburg, WI, 53959A+5.0 ★Texas Ratio: 2.02% at 7.625%, Madison Credit UnionMadison Credit UnionA+5.0 ★Texas Ratio: 2.90% at 6.24%, and Educators Credit UnionEducators Credit UnionA+5.0 ★Texas Ratio: 4.30% at 6.625%. Mortgage rates as of October 19, 2026 according to verified data from MonitorBankRates.

Reedsburg borrowers can compare 243 mortgage rates from 68 lenders serving the Wisconsin area, including 4 local, with rates as low as 5.75% from Oakdale Credit Union at 132 S Park St, Reedsburg, WI, 53959. Use the tabs below to compare all available loan types and terms. Rates are continually updated, so we recommend checking back frequently.

Mortgage Rates reflect actual verified offers from lenders actively lending to Wisconsin borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 19, 2026

Compare Mortgage Rates Today in Reedsburg, Wisconsin & the Surrounding Area

Reedsburg 30 Year Fixed Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
WCCU Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
660 S Albert Ave, Reedsburg, WI, 53959
30 Year Fixed Rate
30 Year
7.25%
7.362%
▼
Rate7.25%
APR7.362%
Points0.000
UpdatedOct 19, 2026
Details

Loan Type: Conventional*; Principal & Interest: $1,023.26; Loan Amount: $150,000 Loan

Rate History
4 changes since Sep 14, 2026 · 6.78% → 7.36% ▲ 0.58 pts · high 7.74% / low 6.78%
5.82%7.26%8.70%Sep 14, 2026: 6.78% APRSep 18, 2026: 7.11% APROct 2, 2026: 7.74% APROct 9, 2026: 7.62% APROct 19, 2026: 7.36% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20267.36%▼ from 7.62%
  • Oct 9, 20267.62%▼ from 7.74%
  • Oct 2, 20267.74%▲ from 7.11%
  • Sep 18, 20267.11%▲ from 6.78%
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
750 Viking Dr, Reedsburg, WI, 53959
Conventional Fixed Rate Mortgages - 30 Year Fixed
30 years
7.375%
7.492%
▼
Rate7.375%
APR7.492%
Points0.000
UpdatedOct 14, 2026
Details

Payment: $1726.69

Rate History
5 changes since Sep 14, 2026 · 7.11% → 7.49% ▲ 0.38 pts · high 7.87% / low 7.11%
6.35%7.49%8.63%Sep 14, 2026: 7.11% APRSep 18, 2026: 7.24% APRSep 24, 2026: 7.49% APROct 1, 2026: 7.74% APROct 7, 2026: 7.87% APROct 14, 2026: 7.49% APRSep 14, 2026Oct 19, 2026
  • Oct 14, 20267.49%▼ from 7.87%
  • Oct 7, 20267.87%▲ from 7.74%
  • Oct 1, 20267.74%▲ from 7.49%
  • Sep 24, 20267.49%▲ from 7.24%
WCCU Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
660 S Albert Ave, Reedsburg, WI, 53959
30 Year Fixed Rate GRH
30 Year
7.00%
7.567%
▼
Rate7.00%
APR7.567%
Points0.000
UpdatedOct 19, 2026
Details

Loan Type: USDA Guaranteed Rural Housing**; Principal & Interest: $1,008.03; Loan Amount: $150,000 Loan Base / $151,515 Total Loan

Rate History
4 changes since Sep 14, 2026 · 6.80% → 7.57% ▲ 0.76 pts · high 7.82% / low 6.80%
5.79%7.31%8.84%Sep 14, 2026: 6.80% APRSep 18, 2026: 7.31% APROct 2, 2026: 7.82% APROct 9, 2026: 7.69% APROct 19, 2026: 7.57% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20267.57%▼ from 7.69%
  • Oct 9, 20267.69%▼ from 7.82%
  • Oct 2, 20267.82%▲ from 7.31%
  • Sep 18, 20267.31%▲ from 6.80%
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
750 Viking Dr, Reedsburg, WI, 53959
HomeReady Fixed Rate Mortgages - 30 Year Fixed
30 years
7.50%
7.621%
▼
Rate7.50%
APR7.621%
Points0.000
UpdatedOct 14, 2026
Details

Mortgage rates table (Product, Rate, APR, Payment)

Rate History
1 change since Oct 7, 2026 · 7.87% → 7.62% ▼ 0.25 pts · high 7.87% / low 7.62%
7.12%7.75%8.37%Oct 7, 2026: 7.87% APROct 14, 2026: 7.62% APROct 7, 2026Oct 19, 2026
  • Oct 14, 20267.62%▼ from 7.87%
  • Oct 7, 20267.87%first recorded
Community First Bank Boscobel, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
115 E Main St, Reedsburg, WI, 53959
30 Year Fixed Rate
30 years
7.625%
7.704%
▼
Rate7.625%
APR7.704%
Points0.000
UpdatedOct 14, 2026
Details

Current Mortgage Rates

Rate History
No change since Oct 14, 2026 · 7.70% APR
7.20%7.70%8.20%Oct 14, 2026: 7.70% APROct 14, 2026Oct 19, 2026
Madison Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
First Mortgage Refinance - 30 Year Fixed
30 years
6.24%
6.24%
▼
Rate6.24%
APR6.24%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; 30 Year Fixed Rate

Rate History
No change since Oct 19, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 19, 2026: 6.24% APROct 19, 2026Oct 19, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
VA 30-year Fixed
30 years
6.625%
6.677%
▼
Rate6.625%
APR6.677%
Points0.000
UpdatedOct 19, 2026
Details

VA Mortgage Products; No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; APR calculated on loan amount of $100,000

Rate History
No change since Oct 19, 2026 · 6.68% APR
6.18%6.68%7.18%Oct 19, 2026: 6.68% APROct 19, 2026Oct 19, 2026
Citizens Bank Mukwonago, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
WHEDA First Time Homebuyer Program - 30 Year Fixed
30 Year
6.625%
6.697%
▼
Rate6.625%
APR6.697%
Points0.000
UpdatedOct 14, 2026
Details

Servicing: WHEDA; Number of Monthly Payments: 360

Rate History
No change since Oct 7, 2026 · 6.70% APR · checked 4 times
6.20%6.70%7.20%Oct 7, 2026: 6.70% APROct 7, 2026Oct 19, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
30 Year Fixed Rate Mortgage - WHEDA First-time Homebuyer
30 years
6.625%
6.703%
▼
Rate6.625%
APR6.703%
Points0.000
UpdatedOct 14, 2026
Details

WHEDA First-time Homebuyer program

Rate History
No change since Sep 24, 2026 · 6.70% APR · checked 7 times
6.20%6.70%7.20%Sep 24, 2026: 6.70% APRSep 24, 2026Oct 19, 2026
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Primary Home-First Mortgage - 30 Year Fixed
30 years
7.00%
7.04%
▼
Rate7.00%
APR7.04%
Points0.000
UpdatedOct 19, 2026
Details

APR includes $399 origination costs; estimated closing costs $800 may be financed; proof of property insurance required prior to closing; APR based on <=80% loan to value; first mortgage rates available for 80.01-90% LTV; terms up to 30 years; rates effective 09/24/2026

Rate History
No change since Sep 18, 2026 · 7.04% APR · checked 8 times
6.54%7.04%7.54%Sep 18, 2026: 7.04% APRSep 18, 2026Oct 19, 2026
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Purchase: 30-Year Fixed Conventional
30 years
7.00%
7.08%
▼
Rate7.00%
APR7.08%
Points0.000
UpdatedOct 19, 2026
Details

$200,000; Home Loans - Purchase; Payment example $1,330.77

Rate History
3 changes since Oct 1, 2026 · 7.32% → 7.08% ▼ 0.24 pts · high 7.34% / low 7.08%
6.58%7.21%7.84%Oct 1, 2026: 7.32% APROct 2, 2026: 7.34% APROct 13, 2026: 7.21% APROct 19, 2026: 7.08% APROct 1, 2026Oct 19, 2026
  • Oct 19, 20267.08%▼ from 7.21%
  • Oct 13, 20267.21%▼ from 7.34%
  • Oct 2, 20267.34%▲ from 7.32%
  • Oct 1, 20267.32%first recorded
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Refinance: 30-Year Fixed Conventional
30 years
7.00%
7.10%
▼
Rate7.00%
APR7.10%
Points0.000
UpdatedOct 19, 2026
Details

Additional APR listed for this product: 7.16%.

Rate History
2 changes since Oct 1, 2026 · 7.33% → 7.10% ▼ 0.23 pts · high 7.35% / low 7.10%
6.60%7.23%7.85%Oct 1, 2026: 7.33% APROct 2, 2026: 7.35% APROct 19, 2026: 7.10% APROct 1, 2026Oct 19, 2026
  • Oct 19, 20267.10%▼ from 7.35%
  • Oct 2, 20267.35%▲ from 7.33%
  • Oct 1, 20267.33%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
VA 30-Year Fixed
30 years
7.00%
7.109%
▼
Rate7.00%
APR7.109%
Points0.000
UpdatedOct 14, 2026
Details

Mortgage Loans (Purchase); Effective October 13, 2026; APR includes approximately one discount point; TruStone membership required

Rate History
No change since Oct 14, 2026 · 7.11% APR
6.61%7.11%7.61%Oct 14, 2026: 7.11% APROct 14, 2026Oct 19, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
30 Year Fixed Rate Mortgage
30 Year
7.125%
7.125%
▼
Rate7.125%
APR7.125%
Points0.000
UpdatedOct 14, 2026
Details

As Low As; Lock in peace of mind for the long haul. A 30-year mortgage means lower monthly payments and lasting security.

Rate History
4 changes since Sep 14, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 7.25% / low 6.88%
6.38%7.06%7.75%Sep 14, 2026: 6.88% APRSep 22, 2026: 7.00% APRSep 27, 2026: 7.13% APROct 1, 2026: 7.25% APROct 14, 2026: 7.13% APRSep 14, 2026Oct 19, 2026
  • Oct 14, 20267.13%▼ from 7.25%
  • Oct 1, 20267.25%▲ from 7.13%
  • Sep 27, 20267.13%▲ from 7.00%
  • Sep 22, 20267.00%▲ from 6.88%
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Purchase: 30-Year Fixed Conventional
30 years
7.00%
7.14%
▼
Rate7.00%
APR7.14%
Points0.000
UpdatedOct 19, 2026
Details

$100,000; Home Loans - Purchase; Payment example $665.39

Rate History
3 changes since Oct 1, 2026 · 7.32% → 7.14% ▼ 0.18 pts · high 7.34% / low 7.14%
6.64%7.24%7.84%Oct 1, 2026: 7.32% APROct 2, 2026: 7.34% APROct 13, 2026: 7.21% APROct 19, 2026: 7.14% APROct 1, 2026Oct 19, 2026
  • Oct 19, 20267.14%▼ from 7.21%
  • Oct 13, 20267.21%▼ from 7.34%
  • Oct 2, 20267.34%▲ from 7.32%
  • Oct 1, 20267.32%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
30-Year Fixed Rate - MN AZ FL
30 years
7.00%
7.148%
▼
Rate7.00%
APR7.148%
Points0.000
UpdatedOct 14, 2026
Details

Mortgage Loans (Purchase); Effective October 13, 2026; APR includes approximately one discount point; TruStone membership required

Rate History
No change since Oct 14, 2026 · 7.15% APR
6.65%7.15%7.65%Oct 14, 2026: 7.15% APROct 14, 2026Oct 19, 2026
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Purchase: 30-Year Fixed Conventional
30 years
7.13%
7.16%
▼
Rate7.13%
APR7.16%
Points0.000
UpdatedOct 19, 2026
Details

$832,750; Home Loans - Purchase; Payment example $5,610.39

Rate History
3 changes since Oct 1, 2026 · 7.32% → 7.16% ▼ 0.16 pts · high 7.34% / low 7.16%
6.66%7.25%7.84%Oct 1, 2026: 7.32% APROct 2, 2026: 7.34% APROct 13, 2026: 7.21% APROct 19, 2026: 7.16% APROct 1, 2026Oct 19, 2026
  • Oct 19, 20267.16%▼ from 7.21%
  • Oct 13, 20267.21%▼ from 7.34%
  • Oct 2, 20267.34%▲ from 7.32%
  • Oct 1, 20267.32%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
30-Year Fixed Rate - WI
30 years
7.00%
7.162%
▼
Rate7.00%
APR7.162%
Points0.000
UpdatedOct 14, 2026
Details

Mortgage Loans (Purchase); Effective October 13, 2026; APR includes approximately one discount point; TruStone membership required

Rate History
No change since Oct 14, 2026 · 7.16% APR
6.66%7.16%7.66%Oct 14, 2026: 7.16% APROct 14, 2026Oct 19, 2026
Guardian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
30 Year Fixed Rate
30 years
7.125%
7.166%
▼
Rate7.125%
APR7.166%
Points0.000
UpdatedOct 19, 2026
Details

APR assumes $200,000 loan with 25% down payment and minimum credit score of 780; Max LTV 97% purchase / 95% refinance; Max loan $832,750.00; Min loan $30,000.00

Rate History
2 changes since Sep 18, 2026 · 7.04% → 7.17% ▲ 0.13 pts · high 7.42% / low 7.04%
6.54%7.23%7.92%Sep 18, 2026: 7.04% APROct 1, 2026: 7.42% APROct 19, 2026: 7.17% APRSep 18, 2026Oct 19, 2026
  • Oct 19, 20267.17%▼ from 7.42%
  • Oct 1, 20267.42%▲ from 7.04%
  • Sep 18, 20267.04%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
FHA 30-Year Fixed
30 years
6.875%
7.173%
▼
Rate6.875%
APR7.173%
Points0.000
UpdatedOct 14, 2026
Details

Mortgage Loans (Purchase); Effective October 13, 2026; APR includes approximately one discount point; TruStone membership required

Rate History
No change since Oct 14, 2026 · 7.17% APR
6.67%7.17%7.67%Oct 14, 2026: 7.17% APROct 14, 2026Oct 19, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed Rate Mortgage Loans - 30-year Fixed
30 years
7.125%
7.179%
▼
Rate7.125%
APR7.179%
Points0.000
UpdatedOct 19, 2026
Details

Minimum mortgage loan $30,000; minimum credit score 620; APR calculated on $100,000 loan; rates as of 10/16/2026; 30-day rate lock expires 11/15/2026; payment per $1,000 $6.75; no prepayment penalty

Rate History
No change since Oct 19, 2026 · 7.18% APR
6.68%7.18%7.68%Oct 19, 2026: 7.18% APROct 19, 2026Oct 19, 2026
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Refinance: 30-Year Fixed Conventional
30 years
7.13%
7.18%
▼
Rate7.13%
APR7.18%
Points0.000
UpdatedOct 19, 2026
Details

Additional APR listed for this product: 7.20%.

Rate History
2 changes since Oct 1, 2026 · 7.33% → 7.18% ▼ 0.15 pts · high 7.35% / low 7.18%
6.68%7.27%7.85%Oct 1, 2026: 7.33% APROct 2, 2026: 7.35% APROct 19, 2026: 7.18% APROct 1, 2026Oct 19, 2026
  • Oct 19, 20267.18%▼ from 7.35%
  • Oct 2, 20267.35%▲ from 7.33%
  • Oct 1, 20267.33%first recorded
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Purchase: 30-Year Fixed Conventional
30 years
7.13%
7.19%
▼
Rate7.13%
APR7.19%
Points0.000
UpdatedOct 19, 2026
Details

$300,000; Home Loans - Purchase; Payment example $2,021.16

Rate History
3 changes since Oct 1, 2026 · 7.32% → 7.19% ▼ 0.13 pts · high 7.34% / low 7.19%
6.69%7.27%7.84%Oct 1, 2026: 7.32% APROct 2, 2026: 7.34% APROct 13, 2026: 7.21% APROct 19, 2026: 7.19% APROct 1, 2026Oct 19, 2026
  • Oct 19, 20267.19%▼ from 7.21%
  • Oct 13, 20267.21%▼ from 7.34%
  • Oct 2, 20267.34%▲ from 7.32%
  • Oct 1, 20267.32%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
30 Year Fixed Mortgage
30 Year
7.00%
7.236%
▼
Rate7.00%
APR7.236%
Points0.000
UpdatedOct 14, 2026
Details

Interest rate and APR starting at; $100,000 loan amount; $665 payment; rates based on 70% LTV, 760+ credit score

Rate History
1 change since Sep 18, 2026 · 7.13% → 7.24% ▲ 0.10 pts · high 7.24% / low 7.13%
6.63%7.19%7.74%Sep 18, 2026: 7.13% APROct 14, 2026: 7.24% APRSep 18, 2026Oct 19, 2026
  • Oct 14, 20267.24%▲ from 7.13%
  • Sep 18, 20267.13%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
30-Year Fixed Rate Refinance
7.125%
7.238%
▼
Rate7.125%
APR7.238%
Points0.000
UpdatedOct 14, 2026
Details

APR includes approximately one discount point; TruStone membership required

Rate History
2 changes since Sep 14, 2026 · 6.76% → 7.24% ▲ 0.48 pts · high 7.27% / low 6.76%
6.25%7.01%7.77%Sep 14, 2026: 6.76% APROct 1, 2026: 7.27% APROct 14, 2026: 7.24% APRSep 14, 2026Oct 19, 2026
  • Oct 14, 20267.24%▼ from 7.27%
  • Oct 1, 20267.27%▲ from 6.76%
  • Sep 14, 20266.76%first recorded
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Refinance - Refinance: 30-Year Fixed Conventional
30 years
7.13%
7.28%
▼
Rate7.13%
APR7.28%
Points0.000
UpdatedOct 19, 2026
Details

$100000; Rate/term refinance; rates effective as of 09/25/2026; minimum credit score 760; 75% LTV; 30-day rate lock

Rate History
No change since Oct 19, 2026 · 7.28% APR · checked 2 times
6.78%7.28%7.78%Oct 19, 2026: 7.28% APROct 19, 2026Oct 19, 2026
Unison Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
30 Year Fixed Rate Mortgage Loan
30 Year
7.25%
7.289%
▼
Rate7.25%
APR7.289%
Points0.000
UpdatedOct 19, 2026
Details

New Home and Advantage Home Loans; As low as rates for borrowers with 720+ credit score

Rate History
4 changes since Sep 14, 2026 · 6.91% → 7.29% ▲ 0.38 pts · high 7.54% / low 6.91%
6.28%7.23%8.17%Sep 14, 2026: 6.91% APRSep 18, 2026: 7.16% APRSep 26, 2026: 7.42% APROct 13, 2026: 7.54% APROct 19, 2026: 7.29% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20267.29%▼ from 7.54%
  • Oct 13, 20267.54%▲ from 7.42%
  • Sep 26, 20267.42%▲ from 7.16%
  • Sep 18, 20267.16%▲ from 6.91%
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Refinance - Refinance: 30-Year Fixed Conventional
30 years
7.25%
7.30%
▼
Rate7.25%
APR7.30%
Points0.000
UpdatedOct 19, 2026
Details

$832750; Rate/term refinance; rates effective as of 09/25/2026; minimum credit score 760; 75% LTV; 30-day rate lock

Rate History
No change since Oct 19, 2026 · 7.30% APR · checked 2 times
6.80%7.30%7.80%Oct 19, 2026: 7.30% APROct 19, 2026Oct 19, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
30 Year Fixed Rate
30 years
7.25%
7.30%
▼
Rate7.25%
APR7.30%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Home Loans - Purchase

Rate History
5 changes since Sep 14, 2026 · 7.05% → 7.30% ▲ 0.25 pts · high 7.55% / low 7.05%
6.55%7.30%8.05%Sep 14, 2026: 7.05% APRSep 18, 2026: 7.18% APRSep 26, 2026: 7.43% APROct 1, 2026: 7.55% APROct 13, 2026: 7.43% APROct 19, 2026: 7.30% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20267.30%▼ from 7.43%
  • Oct 13, 20267.43%▼ from 7.55%
  • Oct 1, 20267.55%▲ from 7.43%
  • Sep 26, 20267.43%▲ from 7.18%
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Construction 30 Yr Loan
30 years
7.25%
7.313%
▼
Rate7.25%
APR7.313%
Points0.000
UpdatedOct 14, 2026
Details

Principal & Interest Payment: $1,569.01; Credit score 740 or higher; LTV 80% (20% down payment); Loan amount $230,000; One-time close construction; 1-year construction phase followed by 30-year permanent phase; Finance charges include $1,350 origination fee, $6.70 flood certification fee and $72 tax service fee

Rate History
1 change since Sep 15, 2026 · 7.06% → 7.31% ▲ 0.25 pts · high 7.31% / low 7.06%
6.56%7.19%7.81%Sep 15, 2026: 7.06% APRSep 27, 2026: 7.31% APRSep 15, 2026Oct 19, 2026
  • Sep 27, 20267.31%▲ from 7.06%
  • Sep 15, 20267.06%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
30 Year Fixed Rate
7.25%
7.315%
▼
Rate7.25%
APR7.315%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Fixed Rate Mortgages

Rate History
1 change since Oct 13, 2026 · 7.44% → 7.32% ▼ 0.13 pts · high 7.44% / low 7.32%
6.82%7.38%7.94%Oct 13, 2026: 7.44% APROct 19, 2026: 7.32% APROct 13, 2026Oct 19, 2026
  • Oct 19, 20267.32%▼ from 7.44%
  • Oct 13, 20267.44%first recorded
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
30 Year Fixed Rate Purchase Mortgage
30 Year
7.25%
7.323%
▼
Rate7.25%
APR7.323%
Points0.000
UpdatedOct 19, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 7.07% → 7.32% ▲ 0.25 pts · high 7.57% / low 7.07%
6.57%7.32%8.08%Sep 14, 2026: 7.07% APRSep 18, 2026: 7.20% APROct 1, 2026: 7.45% APROct 2, 2026: 7.57% APROct 13, 2026: 7.45% APROct 19, 2026: 7.32% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20267.32%▼ from 7.45%
  • Oct 13, 20267.45%▼ from 7.57%
  • Oct 2, 20267.57%▲ from 7.45%
  • Oct 1, 20267.45%▲ from 7.20%
Heartland Credit Union Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
30 Year Fixed
30 Year
7.25%
7.324%
▼
Rate7.25%
APR7.324%
Points0.000
UpdatedOct 19, 2026
Details

No additional details available.

Rate History
2 changes since Oct 1, 2026 · 7.58% → 7.32% ▼ 0.25 pts · high 7.58% / low 7.32%
6.82%7.45%8.08%Oct 1, 2026: 7.58% APROct 9, 2026: 7.45% APROct 19, 2026: 7.32% APROct 1, 2026Oct 19, 2026
  • Oct 19, 20267.32%▼ from 7.45%
  • Oct 9, 20267.45%▼ from 7.58%
  • Oct 1, 20267.58%first recorded
Heartland Credit Union Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
First-Time Homebuyer - 30 Year Fixed
30 years
7.25%
7.324%
▼
Rate7.25%
APR7.324%
Points0.000
UpdatedOct 19, 2026
Details

First-time homebuyer mortgage; up to $1,000 closing cost credit offer (applications January 1, 2026 through December 31, 2026)

Rate History
1 change since Oct 13, 2026 · 7.45% → 7.32% ▼ 0.13 pts · high 7.45% / low 7.32%
6.82%7.39%7.95%Oct 13, 2026: 7.45% APROct 19, 2026: 7.32% APROct 13, 2026Oct 19, 2026
  • Oct 19, 20267.32%▼ from 7.45%
  • Oct 13, 20267.45%first recorded
Heartland Credit Union Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
HomeReady 30 YR Fixed
30 years
7.25%
7.324%
▼
Rate7.25%
APR7.324%
Points0.000
UpdatedOct 19, 2026
Details

No additional details available.

Rate History
2 changes since Oct 1, 2026 · 7.58% → 7.32% ▼ 0.25 pts · high 7.58% / low 7.32%
6.82%7.45%8.08%Oct 1, 2026: 7.58% APROct 9, 2026: 7.45% APROct 19, 2026: 7.32% APROct 1, 2026Oct 19, 2026
  • Oct 19, 20267.32%▼ from 7.45%
  • Oct 9, 20267.45%▼ from 7.58%
  • Oct 1, 20267.58%first recorded
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
30-Year Fixed Service Released
7.25%
7.325%
▼
Rate7.25%
APR7.325%
Points0.125
UpdatedOct 14, 2026
Details

Fixed Rate Mortgage; Service Released

Rate History
3 changes since Sep 16, 2026 · 6.84% → 7.33% ▲ 0.49 pts · high 7.44% / low 6.84%
6.23%7.14%8.04%Sep 16, 2026: 6.84% APRSep 24, 2026: 7.33% APROct 3, 2026: 7.44% APROct 14, 2026: 7.33% APRSep 16, 2026Oct 19, 2026
  • Oct 14, 20267.33%▼ from 7.44%
  • Oct 3, 20267.44%▲ from 7.33%
  • Sep 24, 20267.33%▲ from 6.84%
  • Sep 16, 20266.84%first recorded
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Fixed Rate Mortgages - 30 Year Fixed
30 years
7.25%
7.329%
▼
Rate7.25%
APR7.329%
Points0.000
UpdatedOct 19, 2026
Details

Fixed Rate Mortgage; Rate as low as 7.250%; APR as low as 7.329%; Rates reflect a discount with an active Fox Communities Credit Union Checking account with monthly direct deposit or two or more deposits per month

Rate History
6 changes since Sep 18, 2026 · 7.08% → 7.33% ▲ 0.25 pts · high 7.62% / low 7.08%
6.55%7.35%8.15%Sep 18, 2026: 7.08% APRSep 22, 2026: 7.11% APROct 1, 2026: 7.49% APROct 2, 2026: 7.62% APROct 9, 2026: 7.47% APROct 13, 2026: 7.48% APROct 19, 2026: 7.33% APRSep 18, 2026Oct 19, 2026
  • Oct 19, 20267.33%▼ from 7.48%
  • Oct 13, 20267.48%▲ from 7.47%
  • Oct 9, 20267.47%▼ from 7.62%
  • Oct 2, 20267.62%▲ from 7.49%
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Fox First Home Advantage (30 Year Fixed)
30 years
7.25%
7.329%
▼
Rate7.25%
APR7.329%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Rate and APR as low as with active Fox checking account (monthly direct deposit or two or more deposits)

Rate History
7 changes since Sep 14, 2026 · 6.96% → 7.33% ▲ 0.37 pts · high 7.62% / low 6.96%
6.31%7.29%8.27%Sep 14, 2026: 6.96% APRSep 18, 2026: 7.08% APRSep 22, 2026: 7.11% APROct 1, 2026: 7.49% APROct 2, 2026: 7.62% APROct 9, 2026: 7.47% APROct 13, 2026: 7.48% APROct 19, 2026: 7.33% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20267.33%▼ from 7.48%
  • Oct 13, 20267.48%▲ from 7.47%
  • Oct 9, 20267.47%▼ from 7.62%
  • Oct 2, 20267.62%▲ from 7.49%
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Refinance - Refinance: 30-Year Fixed Conventional
30 years
7.25%
7.33%
▼
Rate7.25%
APR7.33%
Points0.000
UpdatedOct 19, 2026
Details

$300000; Rate/term refinance; rates effective as of 09/25/2026; minimum credit score 760; 75% LTV; 30-day rate lock

Rate History
No change since Oct 19, 2026 · 7.33% APR · checked 2 times
6.83%7.33%7.83%Oct 19, 2026: 7.33% APROct 19, 2026Oct 19, 2026
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
30 Year Fixed (360 months)
360 months
7.25%
7.331%
▼
Rate7.25%
APR7.331%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Wisconsin 1st mortgage, owner-occupied homes only; Membership eligibility required; Payment $1,364.35

Rate History
1 change since Oct 13, 2026 · 7.46% → 7.33% ▼ 0.13 pts · high 7.46% / low 7.33%
6.83%7.39%7.96%Oct 13, 2026: 7.46% APROct 19, 2026: 7.33% APROct 13, 2026Oct 19, 2026
  • Oct 19, 20267.33%▼ from 7.46%
  • Oct 13, 20267.46%first recorded
The Equitable Bank, S.S.B.
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
30 Year Fixed Purchase
30 years
7.25%
7.335%
▼
Rate7.25%
APR7.335%
Points0.000
UpdatedOct 14, 2026
Details

Loan Purpose: Purchase

Rate History
6 changes since Sep 16, 2026 · 6.96% → 7.34% ▲ 0.38 pts · high 7.46% / low 6.96%
6.46%7.21%7.96%Sep 16, 2026: 6.96% APRSep 24, 2026: 7.21% APRSep 28, 2026: 7.34% APROct 1, 2026: 7.46% APROct 3, 2026: 7.34% APROct 8, 2026: 7.46% APROct 12, 2026: 7.34% APRSep 16, 2026Oct 19, 2026
  • Oct 12, 20267.34%▼ from 7.46%
  • Oct 8, 20267.46%▲ from 7.34%
  • Oct 3, 20267.34%▼ from 7.46%
  • Oct 1, 20267.46%▲ from 7.34%
The Equitable Bank, S.S.B.
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
30 Year Fixed Refinance
30 years
7.25%
7.335%
▼
Rate7.25%
APR7.335%
Points0.000
UpdatedOct 14, 2026
Details

Loan Purpose: Refinance

Rate History
7 changes since Sep 16, 2026 · 7.08% → 7.34% ▲ 0.25 pts · high 7.59% / low 6.96%
6.33%7.27%8.22%Sep 16, 2026: 7.08% APRSep 20, 2026: 6.96% APRSep 24, 2026: 7.21% APRSep 28, 2026: 7.34% APROct 1, 2026: 7.59% APROct 3, 2026: 7.34% APROct 8, 2026: 7.46% APROct 12, 2026: 7.34% APRSep 16, 2026Oct 19, 2026
  • Oct 12, 20267.34%▼ from 7.46%
  • Oct 8, 20267.46%▲ from 7.34%
  • Oct 3, 20267.34%▼ from 7.59%
  • Oct 1, 20267.59%▲ from 7.34%
Bank of Prairie du Sac
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 Year Fixed Rate
30 years
7.25%
7.335%
▼
Rate7.25%
APR7.335%
Points0.000
UpdatedOct 15, 2026
Details

Purchase loan; loan amount $250,000; WI, Sauk county; primary residence; no escrow; 45-day rate lock; assumed credit score 780

Rate History
1 change since Sep 24, 2026 · 7.46% → 7.34% ▼ 0.13 pts · high 7.46% / low 7.34%
6.84%7.40%7.96%Sep 24, 2026: 7.46% APROct 14, 2026: 7.34% APRSep 24, 2026Oct 19, 2026
  • Oct 14, 20267.34%▼ from 7.46%
  • Sep 24, 20267.46%first recorded
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Refinance - Refinance: 30-Year Fixed Conventional
30 years
7.25%
7.35%
▼
Rate7.25%
APR7.35%
Points0.000
UpdatedOct 19, 2026
Details

$200000; Rate/term refinance; rates effective as of 09/25/2026; minimum credit score 760; 75% LTV; 30-day rate lock

Rate History
No change since Oct 19, 2026 · 7.35% APR · checked 2 times
6.85%7.35%7.85%Oct 19, 2026: 7.35% APROct 19, 2026Oct 19, 2026
Lake Ridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
30-Year Fixed Rate
30 years
7.25%
7.36%
▼
Rate7.25%
APR7.36%
Points0.000
UpdatedOct 14, 2026
Details

Mortgage; Payment Schedule: 359 payments of $1125.59 at an interest rate of 7.250%; 1 payment of $1127.06 at an interest rate of 7.250%; Rates based on $165,000 loan amount, Wisconsin single-family primary residence, credit score 740+, 60% LTV; effective October 13, 2026

Rate History
1 change since Oct 7, 2026 · 7.61% → 7.36% ▼ 0.25 pts · high 7.61% / low 7.36%
6.86%7.49%8.11%Oct 7, 2026: 7.61% APROct 14, 2026: 7.36% APROct 7, 2026Oct 19, 2026
  • Oct 14, 20267.36%▼ from 7.61%
  • Oct 7, 20267.61%first recorded
Summit Credit Union Cottage Grove, WI
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
Mortgage 30 Year Fixed
30 years
7.25%
7.361%
▼
Rate7.25%
APR7.361%
Points0.000
UpdatedOct 19, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 7.11% → 7.36% ▲ 0.25 pts · high 7.61% / low 7.11%
6.60%7.36%8.12%Sep 14, 2026: 7.11% APRSep 26, 2026: 7.36% APROct 1, 2026: 7.61% APROct 13, 2026: 7.49% APROct 19, 2026: 7.36% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20267.36%▼ from 7.49%
  • Oct 13, 20267.49%▼ from 7.61%
  • Oct 1, 20267.61%▲ from 7.36%
  • Sep 26, 20267.36%▲ from 7.11%
Fond Du Lac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
First Mortgage - 30 Year Fixed
30 years
7.25%
7.37%
▼
Rate7.25%
APR7.37%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; First lien; Wisconsin properties only; Membership eligibility required; Effective 10/19/2026

Rate History
8 changes since Sep 14, 2026 · 7.12% → 7.37% ▲ 0.25 pts · high 7.75% / low 6.87%
5.98%7.31%8.63%Sep 14, 2026: 7.12% APRSep 18, 2026: 7.24% APRSep 22, 2026: 7.37% APRSep 26, 2026: 7.50% APROct 1, 2026: 7.62% APROct 2, 2026: 7.75% APROct 9, 2026: 7.62% APROct 13, 2026: 6.87% APROct 19, 2026: 7.37% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20267.37%▲ from 6.87%
  • Oct 13, 20266.87%▼ from 7.62%
  • Oct 9, 20267.62%▼ from 7.75%
  • Oct 2, 20267.75%▲ from 7.62%
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
First Mortgage - 30 Year Fixed
30 years
7.375%
7.375%
▼
Rate7.375%
APR7.375%
Points1.000
UpdatedOct 19, 2026
Details

1 Point option; Fixed Rate Mortgage

Rate History
5 changes since Sep 18, 2026 · 7.38% → 7.38% ▼ 0.00 pts · high 8.00% / low 7.13%
6.25%7.56%8.88%Sep 18, 2026: 7.38% APRSep 22, 2026: 7.13% APRSep 26, 2026: 7.63% APROct 2, 2026: 8.00% APROct 9, 2026: 7.75% APROct 19, 2026: 7.38% APRSep 18, 2026Oct 19, 2026
  • Oct 19, 20267.38%▼ from 7.75%
  • Oct 9, 20267.75%▼ from 8.00%
  • Oct 2, 20268.00%▲ from 7.63%
  • Sep 26, 20267.63%▲ from 7.13%
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
30 Yr Fixed Purchase
30 years
7.375%
7.427%
▼
Rate7.375%
APR7.427%
Points0.000
UpdatedOct 14, 2026
Details

Conventional Fixed-Rate Mortgage; Principal & Interest Payment: $1,588.55; Assumptions: credit score 780 or higher, LTV 80% (20% down payment), loan amount $230,000, purchase, owner occupied/single family home, no secondary financing, escrow for taxes and insurance, 45-day lock

Rate History
3 changes since Sep 15, 2026 · 7.18% → 7.43% ▲ 0.25 pts · high 7.55% / low 7.18%
6.68%7.36%8.05%Sep 15, 2026: 7.18% APRSep 24, 2026: 7.30% APROct 1, 2026: 7.55% APROct 14, 2026: 7.43% APRSep 15, 2026Oct 19, 2026
  • Oct 14, 20267.43%▼ from 7.55%
  • Oct 1, 20267.55%▲ from 7.30%
  • Sep 24, 20267.30%▲ from 7.18%
  • Sep 15, 20267.18%first recorded
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Purchase 30 Year Fixed
7.375%
7.427%
▼
Rate7.375%
APR7.427%
Points0.000
UpdatedOct 14, 2026
Details

Purchase rate; Advertised rates effective as of 10/13/2026

Rate History
No change since Oct 14, 2026 · 7.43% APR
6.93%7.43%7.93%Oct 14, 2026: 7.43% APROct 14, 2026Oct 19, 2026

Reedsburg 15 Year Fixed Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Oakdale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
132 S Park St, Reedsburg, WI, 53959
Mortgages - 15 Year Fixed
180 months
5.75%
5.75%
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedOct 19, 2026
Details

First Mortgage - Primary Residence Only; Per $1000 Borrowed: $8.31

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 10 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 19, 2026
WCCU Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
660 S Albert Ave, Reedsburg, WI, 53959
15 Year Fixed Rate
15 Year
6.75%
6.923%
▼
Rate6.75%
APR6.923%
Points0.000
UpdatedOct 19, 2026
Details

Loan Type: Conventional*; Principal & Interest: $1,327.36; Loan Amount: $150,000 Loan

Rate History
4 changes since Sep 14, 2026 · 6.16% → 6.92% ▲ 0.76 pts · high 7.18% / low 6.16%
5.15%6.67%8.19%Sep 14, 2026: 6.16% APRSep 18, 2026: 6.80% APROct 2, 2026: 7.18% APROct 9, 2026: 7.05% APROct 19, 2026: 6.92% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20266.92%▼ from 7.05%
  • Oct 9, 20267.05%▼ from 7.18%
  • Oct 2, 20267.18%▲ from 6.80%
  • Sep 18, 20266.80%▲ from 6.16%
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
750 Viking Dr, Reedsburg, WI, 53959
Conventional Fixed Rate Mortgages - 15 Year Fixed
15 years
6.75%
6.929%
▼
Rate6.75%
APR6.929%
Points0.000
UpdatedOct 14, 2026
Details

Payment: $2212.28

Rate History
4 changes since Sep 14, 2026 · 6.68% → 6.93% ▲ 0.25 pts · high 7.18% / low 6.68%
6.17%6.93%7.69%Sep 14, 2026: 6.68% APRSep 18, 2026: 6.80% APRSep 24, 2026: 7.06% APRSep 27, 2026: 7.18% APROct 14, 2026: 6.93% APRSep 14, 2026Oct 19, 2026
  • Oct 14, 20266.93%▼ from 7.18%
  • Sep 27, 20267.18%▲ from 7.06%
  • Sep 24, 20267.06%▲ from 6.80%
  • Sep 18, 20266.80%▲ from 6.68%
Community First Bank Boscobel, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
115 E Main St, Reedsburg, WI, 53959
15 Year Fixed Rate
15 years
7.125%
7.249%
▼
Rate7.125%
APR7.249%
Points0.000
UpdatedOct 14, 2026
Details

Current Mortgage Rates

Rate History
No change since Oct 14, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 14, 2026: 7.25% APROct 14, 2026Oct 19, 2026
Madison Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
First Mortgage Refinance - 15 Year Fixed
15 years
5.49%
5.49%
▼
Rate5.49%
APR5.49%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; 15 Year Fixed Rate

Rate History
No change since Oct 19, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 19, 2026: 5.49% APROct 19, 2026Oct 19, 2026
Taylor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
15-Year Fixed
15 Years
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedOct 19, 2026
Details

Type of 1st Mortgage

Rate History
No change since Sep 14, 2026 · 5.61% APR · checked 8 times
5.11%5.61%6.11%Sep 14, 2026: 5.61% APRSep 14, 2026Oct 19, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1st Mortgage: 15 Year Fixed
15 years
5.615%
5.66%
▼
Rate5.615%
APR5.66%
Points0.000
UpdatedOct 19, 2026
Details

Amortization: 15 years; EFF APR calculated using $150,000 mortgage borrowed; Rates quoted are VCCU's lowest for the listed collateral and term

Rate History
1 change since Sep 16, 2026 · 5.40% → 5.66% ▲ 0.26 pts · high 5.66% / low 5.40%
4.90%5.53%6.16%Sep 16, 2026: 5.40% APROct 1, 2026: 5.66% APRSep 16, 2026Oct 19, 2026
  • Oct 1, 20265.66%▲ from 5.40%
  • Sep 16, 20265.40%first recorded
Winnebago Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
First Mortgage - 15 Year Fixed
5.49%
5.678%
▼
Rate5.49%
APR5.678%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Mortgage rates effective as of 9/30/2026; Rates, terms and conditions vary based on credit score

Rate History
No change since Oct 1, 2026 · 5.68% APR · checked 5 times
5.18%5.68%6.18%Oct 1, 2026: 5.68% APROct 1, 2026Oct 19, 2026
Winnebago Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
First Mortgage 15 Year Fixed
15 Year
5.49%
5.678%
▼
Rate5.49%
APR5.678%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Mortgage rates effective as of 9/30/2026

Rate History
No change since Oct 19, 2026 · 5.68% APR
5.18%5.68%6.18%Oct 19, 2026: 5.68% APROct 19, 2026Oct 19, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Home Mortgage Loan - 15 Year Fixed
15 year
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Fixed rate

Rate History
No change since Oct 19, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 19, 2026: 6.00% APROct 19, 2026Oct 19, 2026
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1st Mortgage - 15 Year Fixed Rate
180 months
6.00%
6.109%
▼
Rate6.00%
APR6.109%
Points0.000
UpdatedOct 19, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 6.11% APR · checked 8 times
5.61%6.11%6.61%Sep 18, 2026: 6.11% APRSep 18, 2026Oct 19, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
VA 15-year Fixed
15 years
6.25%
6.335%
▼
Rate6.25%
APR6.335%
Points0.000
UpdatedOct 19, 2026
Details

VA Mortgage Products; No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; APR calculated on loan amount of $100,000

Rate History
No change since Oct 19, 2026 · 6.34% APR
5.84%6.34%6.84%Oct 19, 2026: 6.34% APROct 19, 2026Oct 19, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed Rate Mortgage Loans - 15-year Fixed
15 years
6.375%
6.46%
▼
Rate6.375%
APR6.46%
Points0.000
UpdatedOct 19, 2026
Details

Minimum mortgage loan $30,000; minimum credit score 620; APR calculated on $100,000 loan; rates as of 10/16/2026; 30-day rate lock expires 11/15/2026; payment per $1,000 $8.65; no prepayment penalty

Rate History
No change since Oct 19, 2026 · 6.46% APR
5.96%6.46%6.96%Oct 19, 2026: 6.46% APROct 19, 2026Oct 19, 2026
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
In-House Second Mortgage - 15 Year Fixed
15 years
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedOct 19, 2026
Details

Contact the credit union for details.

Rate History
1 change since Sep 14, 2026 · 5.50% → 6.50% ▲ 1.00 pts · high 6.50% / low 5.50%
4.50%6.00%7.50%Sep 14, 2026: 5.50% APROct 9, 2026: 6.50% APRSep 14, 2026Oct 19, 2026
  • Oct 9, 20266.50%▲ from 5.50%
  • Sep 14, 20265.50%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
15 Year Fixed Rate Mortgage
15 Year
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedOct 14, 2026
Details

As Low As; Get peace of mind with predictable monthly payments. Both traditional and short-term options available.

Rate History
2 changes since Sep 14, 2026 · 6.13% → 6.50% ▲ 0.38 pts · high 6.50% / low 6.13%
5.63%6.31%7.00%Sep 14, 2026: 6.13% APRSep 18, 2026: 6.25% APRSep 27, 2026: 6.50% APRSep 14, 2026Oct 19, 2026
  • Sep 27, 20266.50%▲ from 6.25%
  • Sep 18, 20266.25%▲ from 6.13%
  • Sep 14, 20266.13%first recorded
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Primary Home-First Mortgage - 15 Year Fixed
15 years
6.50%
6.563%
▼
Rate6.50%
APR6.563%
Points0.000
UpdatedOct 19, 2026
Details

APR based on <=90% loan to value; for limited cash out refinance or purchase; estimated closing costs $800 may be financed; proof of property insurance required prior to closing; rates effective 09/24/2026

Rate History
No change since Sep 18, 2026 · 6.56% APR · checked 8 times
6.06%6.56%7.06%Sep 18, 2026: 6.56% APRSep 18, 2026Oct 19, 2026
N.E.W. Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
15 Year Fixed Mortgage
15 years
6.49%
6.574%
▼
Rate6.49%
APR6.574%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Mortgage; Rates shown are based on a credit score of 740 and higher; APR includes a loan processing fee

Rate History
No change since Oct 13, 2026 · 6.57% APR
6.07%6.57%7.07%Oct 13, 2026: 6.57% APROct 13, 2026Oct 19, 2026
N.E.W. Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Mortgages - 15 Year Fixed
15 Years
6.49%
6.574%
▼
Rate6.49%
APR6.574%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Rates shown based on credit score of 740 and higher; APR includes loan processing fee

Rate History
1 change since Sep 16, 2026 · 5.57% → 6.57% ▲ 1.00 pts · high 6.57% / low 5.57%
4.57%6.07%7.58%Sep 16, 2026: 5.57% APROct 2, 2026: 6.57% APRSep 16, 2026Oct 19, 2026
  • Oct 2, 20266.57%▲ from 5.57%
  • Sep 16, 20265.57%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
15 Year Fixed Mortgage
15 years
6.35%
6.593%
▼
Rate6.35%
APR6.593%
Points0.000
UpdatedOct 14, 2026
Details

Monthly Payment Example: $865.23; Minimum 15% down payment with no PMI; may be amortized up to 15 years

Rate History
3 changes since Sep 15, 2026 · 6.59% → 6.59% ▲ 0.01 pts · high 7.09% / low 6.59%
6.09%6.84%7.59%Sep 15, 2026: 6.59% APRSep 18, 2026: 6.71% APROct 7, 2026: 7.09% APROct 14, 2026: 6.59% APRSep 15, 2026Oct 19, 2026
  • Oct 14, 20266.59%▼ from 7.09%
  • Oct 7, 20267.09%▲ from 6.71%
  • Sep 18, 20266.71%▲ from 6.59%
  • Sep 15, 20266.59%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
15-Year Fixed Rate
15 years
6.375%
6.616%
▼
Rate6.375%
APR6.616%
Points0.000
UpdatedOct 14, 2026
Details

Mortgage Loans (Purchase); Effective October 13, 2026; APR includes approximately one discount point; TruStone membership required

Rate History
No change since Oct 14, 2026 · 6.62% APR
6.12%6.62%7.12%Oct 14, 2026: 6.62% APROct 14, 2026Oct 19, 2026
Taylor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
Vacant Land - 15-Year Fixed
15 Years
6.50%
6.62%
▼
Rate6.50%
APR6.62%
Points0.000
UpdatedOct 19, 2026
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 6.62% APR · checked 2 times
6.12%6.62%7.12%Oct 13, 2026: 6.62% APROct 13, 2026Oct 19, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
15-Year Fixed Rate Refinance
6.50%
6.719%
▼
Rate6.50%
APR6.719%
Points0.000
UpdatedOct 14, 2026
Details

APR includes approximately one discount point; TruStone membership required

Rate History
2 changes since Sep 14, 2026 · 6.24% → 6.72% ▲ 0.48 pts · high 6.72% / low 6.24%
5.74%6.48%7.22%Sep 14, 2026: 6.24% APROct 1, 2026: 6.72% APROct 14, 2026: 6.72% APRSep 14, 2026Oct 19, 2026
  • Oct 14, 20266.72%▲ from 6.72%
  • Oct 1, 20266.72%▲ from 6.24%
  • Sep 14, 20266.24%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
15 Year Fixed Mortgage
15 Year
6.25%
6.742%
▼
Rate6.25%
APR6.742%
Points0.000
UpdatedOct 14, 2026
Details

Interest rate and APR starting at; $100,000 loan amount; $857 payment; rates based on 70% LTV, 760+ credit score

Rate History
No change since Oct 14, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 14, 2026: 6.74% APROct 14, 2026Oct 19, 2026
Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
15 Year Fixed
180 Months
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Mortgage rates; rates subject to credit approval

Rate History
1 change since Sep 14, 2026 · 6.20% → 6.75% ▲ 0.55 pts · high 6.75% / low 6.20%
5.65%6.48%7.30%Sep 14, 2026: 6.20% APRSep 26, 2026: 6.75% APRSep 14, 2026Oct 19, 2026
  • Sep 26, 20266.75%▲ from 6.20%
  • Sep 14, 20266.20%first recorded
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Mortgage Loans - 15 Year Fixed
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; 15 Year Fixed; homepage featured rate

Rate History
No change since Oct 19, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 19, 2026: 6.75% APROct 19, 2026Oct 19, 2026
Ripco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
15 Year Fixed Mortgage
15 years
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; APR as low as 6.75%; Monthly payment per $1,000 $8.85; Rates effective 10/19/2026; based on $100,000 loan, 80% LTV purchase, credit score 730 or higher

Rate History
1 change since Oct 5, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
6.00%6.63%7.25%Oct 5, 2026: 6.50% APROct 9, 2026: 6.75% APROct 5, 2026Oct 19, 2026
  • Oct 9, 20266.75%▲ from 6.50%
  • Oct 5, 20266.50%first recorded
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Purchase: 15-Year Fixed Conventional
15 years
6.63%
6.75%
▼
Rate6.63%
APR6.75%
Points0.000
UpdatedOct 19, 2026
Details

Home Loans - Purchase; Payment example $1,316.99

Rate History
3 changes since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 7.00% / low 6.50%
6.00%6.75%7.50%Sep 14, 2026: 6.50% APROct 1, 2026: 6.88% APROct 2, 2026: 7.00% APROct 13, 2026: 6.75% APRSep 14, 2026Oct 19, 2026
  • Oct 13, 20266.75%▼ from 7.00%
  • Oct 2, 20267.00%▲ from 6.88%
  • Oct 1, 20266.88%▲ from 6.50%
  • Sep 14, 20266.50%first recorded
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Refinance: 15-Year Fixed Conventional
15 years
6.63%
6.75%
▼
Rate6.63%
APR6.75%
Points0.000
UpdatedOct 19, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 7.00% / low 6.50%
6.00%6.75%7.50%Sep 14, 2026: 6.50% APROct 1, 2026: 6.88% APROct 2, 2026: 7.00% APROct 9, 2026: 6.88% APROct 19, 2026: 6.75% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20266.75%▼ from 6.88%
  • Oct 9, 20266.88%▼ from 7.00%
  • Oct 2, 20267.00%▲ from 6.88%
  • Oct 1, 20266.88%▲ from 6.50%
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
15 Year Fixed (180 months)
180 months
6.625%
6.753%
▼
Rate6.625%
APR6.753%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Wisconsin 1st mortgage, owner-occupied homes only; Membership eligibility required; Payment $1,755.99

Rate History
No change since Oct 13, 2026 · 6.75% APR · checked 2 times
6.25%6.75%7.25%Oct 13, 2026: 6.75% APROct 13, 2026Oct 19, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Construction Loans - 15 Year Fixed
6.75%
6.80%
▼
Rate6.75%
APR6.80%
Points0.000
UpdatedOct 19, 2026
Details

As Low As

Rate History
No change since Oct 19, 2026 · 6.80% APR
6.30%6.80%7.30%Oct 19, 2026: 6.80% APROct 19, 2026Oct 19, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Mortgages - 15 Year Fixed
15 years
6.50%
6.808%
▼
Rate6.50%
APR6.808%
Points0.875
UpdatedOct 14, 2026
Details

As Low As; w/ 0.875 Points; Payment: 2,090.66

Rate History
No change since Oct 14, 2026 · 6.81% APR
6.31%6.81%7.31%Oct 14, 2026: 6.81% APROct 14, 2026Oct 19, 2026
Unison Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
15 Year Fixed Rate Mortgage Loan
15 Year
6.75%
6.812%
▼
Rate6.75%
APR6.812%
Points0.000
UpdatedOct 19, 2026
Details

New Home and Advantage Home Loans; As low as rates for borrowers with 720+ credit score

Rate History
4 changes since Sep 14, 2026 · 6.44% → 6.81% ▲ 0.37 pts · high 7.06% / low 6.44%
5.82%6.75%7.69%Sep 14, 2026: 6.44% APRSep 18, 2026: 6.56% APRSep 26, 2026: 6.94% APROct 13, 2026: 7.06% APROct 19, 2026: 6.81% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20266.81%▼ from 7.06%
  • Oct 13, 20267.06%▲ from 6.94%
  • Sep 26, 20266.94%▲ from 6.56%
  • Sep 18, 20266.56%▲ from 6.44%
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
15-Year Fixed Service Released
6.75%
6.848%
▼
Rate6.75%
APR6.848%
Points0.000
UpdatedOct 14, 2026
Details

Fixed Rate Mortgage; Service Released

Rate History
4 changes since Sep 16, 2026 · 6.48% → 6.85% ▲ 0.37 pts · high 6.97% / low 6.48%
5.98%6.73%7.47%Sep 16, 2026: 6.48% APRSep 24, 2026: 6.73% APRSep 28, 2026: 6.85% APROct 3, 2026: 6.97% APROct 14, 2026: 6.85% APRSep 16, 2026Oct 19, 2026
  • Oct 14, 20266.85%▼ from 6.97%
  • Oct 3, 20266.97%▲ from 6.85%
  • Sep 28, 20266.85%▲ from 6.73%
  • Sep 24, 20266.73%▲ from 6.48%
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
15 Year Fixed Rate
6.75%
6.85%
▼
Rate6.75%
APR6.85%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Fixed Rate Mortgages

Rate History
No change since Oct 13, 2026 · 6.85% APR · checked 2 times
6.35%6.85%7.35%Oct 13, 2026: 6.85% APROct 13, 2026Oct 19, 2026
Heartland Credit Union Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
15 Year Fixed
15 Year
6.75%
6.867%
▼
Rate6.75%
APR6.867%
Points0.000
UpdatedOct 19, 2026
Details

No additional details available.

Rate History
2 changes since Oct 1, 2026 · 6.99% → 6.87% ▼ 0.13 pts · high 6.99% / low 6.87%
6.37%6.93%7.49%Oct 1, 2026: 6.99% APROct 9, 2026: 6.99% APROct 19, 2026: 6.87% APROct 1, 2026Oct 19, 2026
  • Oct 19, 20266.87%▼ from 6.99%
  • Oct 9, 20266.99%▲ from 6.99%
  • Oct 1, 20266.99%first recorded
Heartland Credit Union Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
First-Time Homebuyer - 15 Year Fixed
15 years
6.75%
6.867%
▼
Rate6.75%
APR6.867%
Points0.000
UpdatedOct 19, 2026
Details

First-time homebuyer mortgage; up to $1,000 closing cost credit offer (applications January 1, 2026 through December 31, 2026)

Rate History
1 change since Oct 13, 2026 · 6.99% → 6.87% ▼ 0.13 pts · high 6.99% / low 6.87%
6.37%6.93%7.49%Oct 13, 2026: 6.99% APROct 19, 2026: 6.87% APROct 13, 2026Oct 19, 2026
  • Oct 19, 20266.87%▼ from 6.99%
  • Oct 13, 20266.99%first recorded
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Fixed Rate Mortgages - 15 Year Fixed
15 years
6.75%
6.876%
▼
Rate6.75%
APR6.876%
Points0.000
UpdatedOct 19, 2026
Details

Fixed Rate Mortgage; Rate as low as 6.750%; APR as low as 6.876%; Rates reflect a discount with an active Fox Communities Credit Union Checking account with monthly direct deposit or two or more deposits per month

Rate History
7 changes since Sep 18, 2026 · 6.77% → 6.88% ▲ 0.11 pts · high 7.11% / low 6.73%
6.23%6.92%7.61%Sep 18, 2026: 6.77% APRSep 22, 2026: 6.73% APROct 1, 2026: 6.98% APROct 2, 2026: 6.98% APROct 5, 2026: 7.11% APROct 9, 2026: 7.02% APROct 13, 2026: 6.91% APROct 19, 2026: 6.88% APRSep 18, 2026Oct 19, 2026
  • Oct 19, 20266.88%▼ from 6.91%
  • Oct 13, 20266.91%▼ from 7.02%
  • Oct 9, 20267.02%▼ from 7.11%
  • Oct 5, 20267.11%▲ from 6.98%
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Refinance - Refinance: 15-Year Fixed Conventional
15 years
6.75%
6.88%
▼
Rate6.75%
APR6.88%
Points0.000
UpdatedOct 19, 2026
Details

Rate/term refinance; rates effective as of 09/25/2026; minimum credit score 760; 75% LTV; 30-day rate lock

Rate History
No change since Oct 19, 2026 · 6.88% APR · checked 2 times
6.38%6.88%7.38%Oct 19, 2026: 6.88% APROct 19, 2026Oct 19, 2026
Guardian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
15 Year Fixed Rate
15 years
6.875%
6.94%
▼
Rate6.875%
APR6.94%
Points0.000
UpdatedOct 19, 2026
Details

APR assumes $200,000 loan with 25% down payment and minimum credit score of 780; Max LTV 97% purchase / 95% refinance; Max loan $832,750.00; Min loan $30,000.00

Rate History
1 change since Sep 18, 2026 · 6.69% → 6.94% ▲ 0.25 pts · high 6.94% / low 6.69%
6.19%6.82%7.44%Sep 18, 2026: 6.69% APROct 1, 2026: 6.94% APRSep 18, 2026Oct 19, 2026
  • Oct 1, 20266.94%▲ from 6.69%
  • Sep 18, 20266.69%first recorded
Capitol Bank Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
15 Year Fixed Rate
6.875%
6.941%
▼
Rate6.875%
APR6.941%
Points0.000
UpdatedOct 14, 2026
Details

Assumes $300,000 loan amount, $500,000 property value, Dane County WI, primary residence, 45-day rate lock, 780 credit score

Rate History
6 changes since Sep 15, 2026 · 6.57% → 6.94% ▲ 0.38 pts · high 6.94% / low 6.44%
5.94%6.69%7.44%Sep 15, 2026: 6.57% APRSep 19, 2026: 6.69% APRSep 24, 2026: 6.44% APRSep 27, 2026: 6.57% APROct 1, 2026: 6.94% APROct 3, 2026: 6.82% APROct 14, 2026: 6.94% APRSep 15, 2026Oct 19, 2026
  • Oct 14, 20266.94%▲ from 6.82%
  • Oct 3, 20266.82%▼ from 6.94%
  • Oct 1, 20266.94%▲ from 6.57%
  • Sep 27, 20266.57%▲ from 6.44%
Port Washington State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
15 Year Fixed Rate
15 years
6.875%
6.95%
▼
Rate6.875%
APR6.95%
Points0.000
UpdatedOct 14, 2026
Details

Loan amount $180,000; estimated property value $225,000; WI (Ozaukee county); primary residence; 60-day rate lock; assumed credit score 740

Rate History
No change since Oct 14, 2026 · 6.95% APR
6.45%6.95%7.45%Oct 14, 2026: 6.95% APROct 14, 2026Oct 19, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
15 Year Fixed Rate
15 years
6.875%
6.955%
▼
Rate6.875%
APR6.955%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Home Loans - Purchase

Rate History
3 changes since Sep 14, 2026 · 6.58% → 6.96% ▲ 0.38 pts · high 7.08% / low 6.58%
6.08%6.83%7.58%Sep 14, 2026: 6.58% APRSep 18, 2026: 6.71% APRSep 26, 2026: 7.08% APROct 13, 2026: 6.96% APRSep 14, 2026Oct 19, 2026
  • Oct 13, 20266.96%▼ from 7.08%
  • Sep 26, 20267.08%▲ from 6.71%
  • Sep 18, 20266.71%▲ from 6.58%
  • Sep 14, 20266.58%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15 Year Fixed Rate (Secondary Market)
15 Year
6.875%
6.982%
▼
Rate6.875%
APR6.982%
Points0.000
UpdatedOct 19, 2026
Details

Secondary Market; rates and payments based on $200,000 loan amount

Rate History
5 changes since Sep 14, 2026 · 6.36% → 6.98% ▲ 0.63 pts · high 7.11% / low 6.36%
5.60%6.73%7.86%Sep 14, 2026: 6.36% APRSep 18, 2026: 6.61% APRSep 26, 2026: 6.73% APROct 1, 2026: 6.98% APROct 9, 2026: 7.11% APROct 13, 2026: 6.98% APRSep 14, 2026Oct 19, 2026
  • Oct 13, 20266.98%▼ from 7.11%
  • Oct 9, 20267.11%▲ from 6.98%
  • Oct 1, 20266.98%▲ from 6.73%
  • Sep 26, 20266.73%▲ from 6.61%
Marathon County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1st Mortgage Home Loan - 15-Year Fixed Rate (70% LTV)
15 years
6.99%
6.99%
▼
Rate6.99%
APR6.99%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; 70% LTV; Payment per $1,000 borrowed: $8.56; APR based on creditworthiness and term

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 19, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
First Mortgage - 15 Year Fixed
15 years
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points1.000
UpdatedOct 19, 2026
Details

1 Point option; Fixed Rate Mortgage

Rate History
3 changes since Sep 18, 2026 · 7.25% → 7.00% ▼ 0.25 pts · high 7.63% / low 6.88%
6.13%7.25%8.38%Sep 18, 2026: 7.25% APRSep 22, 2026: 6.88% APRSep 26, 2026: 7.63% APROct 19, 2026: 7.00% APRSep 18, 2026Oct 19, 2026
  • Oct 19, 20267.00%▼ from 7.63%
  • Sep 26, 20267.63%▲ from 6.88%
  • Sep 22, 20266.88%▼ from 7.25%
  • Sep 18, 20267.25%first recorded
Great Midwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
15 YR Fixed Mortgage
15 years
6.95%
7.00%
▼
Rate6.95%
APR7.00%
Points0.000
UpdatedOct 14, 2026
Details

Payment: $3,763.35; Conventional, Fixed Rate Mortgage; Maximum loan amount subject to FNMA conforming limit

Rate History
No change since Oct 14, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 14, 2026: 7.00% APROct 14, 2026Oct 19, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15 Year Fixed Rate
15 Year
6.90%
7.007%
▼
Rate6.90%
APR7.007%
Points0.000
UpdatedOct 19, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.26% → 7.01% ▲ 0.75 pts · high 7.01% / low 6.26%
5.50%6.63%7.76%Sep 14, 2026: 6.26% APROct 2, 2026: 6.51% APROct 9, 2026: 7.01% APRSep 14, 2026Oct 19, 2026
  • Oct 9, 20267.01%▲ from 6.51%
  • Oct 2, 20266.51%▲ from 6.26%
  • Sep 14, 20266.26%first recorded
The Equitable Bank, S.S.B.
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
15 Year Fixed Purchase
15 years
6.875%
7.011%
▼
Rate6.875%
APR7.011%
Points0.000
UpdatedOct 14, 2026
Details

Loan Purpose: Purchase

Rate History
6 changes since Sep 16, 2026 · 6.51% → 7.01% ▲ 0.50 pts · high 7.01% / low 6.51%
6.01%6.76%7.51%Sep 16, 2026: 6.51% APRSep 20, 2026: 6.63% APRSep 24, 2026: 6.76% APRSep 28, 2026: 6.89% APROct 1, 2026: 7.01% APROct 3, 2026: 6.89% APROct 14, 2026: 7.01% APRSep 16, 2026Oct 19, 2026
  • Oct 14, 20267.01%▲ from 6.89%
  • Oct 3, 20266.89%▼ from 7.01%
  • Oct 1, 20267.01%▲ from 6.89%
  • Sep 28, 20266.89%▲ from 6.76%
The Equitable Bank, S.S.B.
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
15 Year Fixed Refinance
15 years
6.875%
7.011%
▼
Rate6.875%
APR7.011%
Points0.000
UpdatedOct 14, 2026
Details

Loan Purpose: Refinance

Rate History
7 changes since Sep 16, 2026 · 6.63% → 7.01% ▲ 0.38 pts · high 7.01% / low 6.63%
6.13%6.82%7.51%Sep 16, 2026: 6.63% APRSep 24, 2026: 6.76% APRSep 28, 2026: 6.89% APROct 1, 2026: 7.01% APROct 3, 2026: 6.89% APROct 8, 2026: 7.01% APROct 12, 2026: 6.89% APROct 14, 2026: 7.01% APRSep 16, 2026Oct 19, 2026
  • Oct 14, 20267.01%▲ from 6.89%
  • Oct 12, 20266.89%▼ from 7.01%
  • Oct 8, 20267.01%▲ from 6.89%
  • Oct 3, 20266.89%▼ from 7.01%
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Rapid Refinance Mortgage - 15-Year Fixed Rate
15-Year
7.00%
7.019%
▼
Rate7.00%
APR7.019%
Points0.000
UpdatedOct 19, 2026
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 7.02% APR · checked 2 times
6.52%7.02%7.52%Oct 13, 2026: 7.02% APROct 13, 2026Oct 19, 2026

Reedsburg 5/1 ARM Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Fond Du Lac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
First Mortgage - 5/1 Year ARM
5.50%
5.86%
▼
Rate5.50%
APR5.86%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Adjustable Rate Mortgage; amortized over up to 30 years; First lien; Wisconsin properties only; Membership eligibility required; Effective 10/19/2026

Rate History
No change since Oct 19, 2026 · 5.86% APR
5.36%5.86%6.36%Oct 19, 2026: 5.86% APROct 19, 2026Oct 19, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
5/1 Adjustable-Rate Mortgage (ARM)
5/1 Year ARM
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 14, 2026
Details

As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available.

Rate History
3 changes since Sep 14, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.13% / low 5.50%
4.88%5.81%6.75%Sep 14, 2026: 5.50% APRSep 18, 2026: 5.63% APROct 1, 2026: 6.13% APROct 14, 2026: 6.00% APRSep 14, 2026Oct 19, 2026
  • Oct 14, 20266.00%▼ from 6.13%
  • Oct 1, 20266.13%▲ from 5.63%
  • Sep 18, 20265.63%▲ from 5.50%
  • Sep 14, 20265.50%first recorded
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
5/1 ARM
6.25%
6.301%
▼
Rate6.25%
APR6.301%
Points0.000
UpdatedOct 19, 2026
Details

Adjustable Rate Mortgage; Up to 30-year amortization; Closing costs = $1,600; APR calculated on $100,000 loan; locked for first 5 years, then adjusts by 1% annually; rate cannot increase more than 8% over life of loan; no prepayment penalty

Rate History
No change since Oct 19, 2026 · 6.30% APR
5.80%6.30%6.80%Oct 19, 2026: 6.30% APROct 19, 2026Oct 19, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Community Heroes Home 5/5 ARM
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedOct 19, 2026
Details

Adjustable Rate; 5/5 ARM; 99% LTV; 30-year amortization; minimum credit score 740+; occupation restrictions apply; no closing costs; PMI required over 80% LTV; single family owner occupied homes only; no prepayment penalty

Rate History
5 changes since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.75% / low 6.25%
5.75%6.50%7.25%Sep 14, 2026: 6.25% APRSep 18, 2026: 6.38% APROct 1, 2026: 6.63% APROct 2, 2026: 6.75% APROct 13, 2026: 6.63% APROct 19, 2026: 6.50% APRSep 14, 2026Oct 19, 2026
  • Oct 19, 20266.50%▼ from 6.63%
  • Oct 13, 20266.63%▼ from 6.75%
  • Oct 2, 20266.75%▲ from 6.63%
  • Oct 1, 20266.63%▲ from 6.38%
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
5/6 Month ARM
6.515%
6.515%
▼
Rate6.515%
APR6.515%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; APR as low as 6.515%; fixed for five years, then adjusts every six months

Rate History
1 change since Oct 9, 2026 · 6.51% → 6.52% ▲ 0.00 pts · high 6.52% / low 6.51%
6.01%6.51%7.02%Oct 9, 2026: 6.51% APROct 13, 2026: 6.52% APROct 9, 2026Oct 19, 2026
  • Oct 13, 20266.52%▲ from 6.51%
  • Oct 9, 20266.51%first recorded
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Adjustable Rate Mortgage (ARM) 5/1 ARM
5.875%
6.544%
▼
Rate5.875%
APR6.544%
Points0.000
UpdatedOct 19, 2026
Details

Payment: $946.95; Purchase, A credit, <80% LTV, $160,000 loan amount; FICO 08; Listed rates may change after the initial lock period

Rate History
No change since Oct 13, 2026 · 6.54% APR · checked 2 times
6.04%6.54%7.04%Oct 13, 2026: 6.54% APROct 13, 2026Oct 19, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Balloon Mortgages - 5/1 ARM
5.375%
6.567%
▼
Rate5.375%
APR6.567%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Adjustable Rate Mortgages table

Rate History
2 changes since Sep 14, 2026 · 6.27% → 6.57% ▲ 0.30 pts · high 6.57% / low 6.27%
5.77%6.42%7.07%Sep 14, 2026: 6.27% APROct 9, 2026: 6.49% APROct 13, 2026: 6.57% APRSep 14, 2026Oct 19, 2026
  • Oct 13, 20266.57%▲ from 6.49%
  • Oct 9, 20266.49%▲ from 6.27%
  • Sep 14, 20266.27%first recorded
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1st Mortgage - 5/1 ARM
360 months
6.125%
6.568%
▼
Rate6.125%
APR6.568%
Points0.000
UpdatedOct 19, 2026
Details

ARM rate/APR effective 09/28/2026; applies to initial term, then adjusts to then-current fully indexed rate

Rate History
1 change since Sep 18, 2026 · 6.27% → 6.57% ▲ 0.30 pts · high 6.57% / low 6.27%
5.77%6.42%7.07%Sep 18, 2026: 6.27% APROct 1, 2026: 6.57% APRSep 18, 2026Oct 19, 2026
  • Oct 1, 20266.57%▲ from 6.27%
  • Sep 18, 20266.27%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Mortgage Loans (Purchase) - 5/6 ARM Conforming
6.00%
6.59%
▼
Rate6.00%
APR6.59%
Points0.000
UpdatedOct 14, 2026
Details

Mortgage Loans (Purchase); Effective October 13, 2026; Adjustable rate; APR includes approximately one discount point; TruStone membership required

Rate History
7 changes since Sep 14, 2026 · 6.38% → 6.59% ▲ 0.21 pts · high 6.63% / low 6.30%
5.80%6.46%7.13%Sep 14, 2026: 6.38% APRSep 18, 2026: 6.45% APRSep 22, 2026: 6.30% APRSep 27, 2026: 6.54% APROct 1, 2026: 6.56% APROct 2, 2026: 6.63% APROct 10, 2026: 6.57% APROct 14, 2026: 6.59% APRSep 14, 2026Oct 19, 2026
  • Oct 14, 20266.59%▲ from 6.57%
  • Oct 10, 20266.57%▼ from 6.63%
  • Oct 2, 20266.63%▲ from 6.56%
  • Oct 1, 20266.56%▲ from 6.54%
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
First-Time Homebuyers 5/5 ARM - Maximum second mortgage 5% LTV
6.625%
6.625%
▼
Rate6.625%
APR6.625%
Points0.000
UpdatedOct 19, 2026
Details

5/5 ARM; No closing costs; 90% LTV; 30-year amortization (based on $100K loan amount); Minimum credit score 660; Applies to up to 2 family/duplex properties; Payment per $1,000: $6.41; APR calculated on loan amount of $100,000

Rate History
No change since Oct 19, 2026 · 6.63% APR
6.13%6.63%7.13%Oct 19, 2026: 6.63% APROct 19, 2026Oct 19, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Construction Loans - 5/1 ARM
6.375%
6.627%
▼
Rate6.375%
APR6.627%
Points0.000
UpdatedOct 19, 2026
Details

As Low As

Rate History
2 changes since Oct 5, 2026 · 6.66% → 6.63% ▼ 0.03 pts · high 7.06% / low 6.63%
6.13%6.84%7.56%Oct 5, 2026: 6.66% APROct 13, 2026: 7.06% APROct 19, 2026: 6.63% APROct 5, 2026Oct 19, 2026
  • Oct 19, 20266.63%▼ from 7.06%
  • Oct 13, 20267.06%▲ from 6.66%
  • Oct 5, 20266.66%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Mortgage Loans (Refinance) - 5/6 ARM Refinance
6.00%
6.678%
▼
Rate6.00%
APR6.678%
Points0.000
UpdatedOct 14, 2026
Details

Adjustable rate: initial five-year fixed period, then adjusts every six months; APR includes approximately one discount point; TruStone membership required

Rate History
2 changes since Sep 14, 2026 · 6.50% → 6.68% ▲ 0.18 pts · high 6.68% / low 6.50%
6.00%6.59%7.18%Sep 14, 2026: 6.50% APROct 1, 2026: 6.65% APROct 14, 2026: 6.68% APRSep 14, 2026Oct 19, 2026
  • Oct 14, 20266.68%▲ from 6.65%
  • Oct 1, 20266.65%▲ from 6.50%
  • Sep 14, 20266.50%first recorded
Fond Du Lac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Second Mortgage - 5/1 Year ARM
6.50%
6.689%
▼
Rate6.50%
APR6.689%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Adjustable Rate Mortgage; amortized over up to 15 years; Second lien; Wisconsin properties only; Membership eligibility required; Effective 10/19/2026

Rate History
No change since Oct 19, 2026 · 6.69% APR
6.19%6.69%7.19%Oct 19, 2026: 6.69% APROct 19, 2026Oct 19, 2026
Ripco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
5/1 ARM Mortgage
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Rates and payments based on $100,000 loan, 80% LTV purchase, credit score 730+; effective 10/19/2026

Rate History
No change since Oct 19, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 19, 2026: 6.75% APROct 19, 2026Oct 19, 2026
Ripco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
Mobile-friendly Comparison table of Mortgage Rates. - 5/1 ARM Mortgage
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; APR as low as 6.75%; Monthly payment per $1,000 $6.49; Rates effective 10/19/2026; based on $100,000 loan, 80% LTV purchase, credit score 730 or higher

Rate History
No change since Oct 19, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 19, 2026: 6.75% APROct 19, 2026Oct 19, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
First-Time Homebuyers 5/5 ARM - Maximum second mortgage 7% LTV
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 19, 2026
Details

5/5 ARM; No closing costs; 90% LTV; 30-year amortization (based on $100K loan amount); Minimum credit score 660; Applies to up to 2 family/duplex properties; Payment per $1,000: $6.49; APR calculated on loan amount of $100,000

Rate History
No change since Oct 19, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 19, 2026: 6.75% APROct 19, 2026Oct 19, 2026
Bank of Prairie du Sac
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5/6-month SOFR ARM
6.25%
6.753%
▼
Rate6.25%
APR6.753%
Points0.000
UpdatedOct 15, 2026
Details

Initial interest rate; APR subject to increase; purchase loan; loan amount $250,000; WI, Sauk county; primary residence; no escrow; 45-day rate lock; assumed credit score 780

Rate History
2 changes since Sep 24, 2026 · 6.58% → 6.75% ▲ 0.17 pts · high 6.75% / low 6.58%
6.08%6.67%7.25%Sep 24, 2026: 6.58% APROct 1, 2026: 6.63% APROct 14, 2026: 6.75% APRSep 24, 2026Oct 19, 2026
  • Oct 14, 20266.75%▲ from 6.63%
  • Oct 1, 20266.63%▲ from 6.58%
  • Sep 24, 20266.58%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Lot Loans - 5/1 ARM
5.875%
6.854%
▼
Rate5.875%
APR6.854%
Points0.000
UpdatedOct 19, 2026
Details

As Low As; Note Rate (as low as) 5.875; APR (as low as) 6.854; Effective October 18, 2026

Rate History
3 changes since Sep 18, 2026 · 6.61% → 6.85% ▲ 0.25 pts · high 6.85% / low 6.61%
6.11%6.73%7.35%Sep 18, 2026: 6.61% APRSep 22, 2026: 6.73% APROct 1, 2026: 6.79% APROct 13, 2026: 6.85% APRSep 18, 2026Oct 19, 2026
  • Oct 13, 20266.85%▲ from 6.79%
  • Oct 1, 20266.79%▲ from 6.73%
  • Sep 22, 20266.73%▲ from 6.61%
  • Sep 18, 20266.61%first recorded
Marathon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Mortgage Loans - 5/1 ARM (30 Year Amortization )
5 years
6.75%
6.859%
▼
Rate6.75%
APR6.859%
Points0.000
UpdatedOct 11, 2026
Details

Term: 5/1 ARM (30 Year Amortization)

Rate History
No change since Sep 19, 2026 · 6.86% APR · checked 3 times
6.36%6.86%7.36%Sep 19, 2026: 6.86% APRSep 19, 2026Oct 19, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5/1 ARM Mortgage
6.375%
6.936%
▼
Rate6.375%
APR6.936%
Points0.000
UpdatedOct 14, 2026
Details

Interest rate and APR starting at; $200,000 loan amount; $1248 payment; 30-year term (360 payments); rates based on 70% LTV, 760+ credit score

Rate History
No change since Oct 1, 2026 · 6.94% APR · checked 2 times
6.44%6.94%7.44%Oct 1, 2026: 6.94% APROct 1, 2026Oct 19, 2026
Kohler Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
5/1 ARM
6.35%
7.022%
▼
Rate6.35%
APR7.022%
Points0.000
UpdatedOct 19, 2026
Details

Mortgage Loan Rates table

Rate History
No change since Oct 13, 2026 · 7.02% APR · checked 2 times
6.52%7.02%7.52%Oct 13, 2026: 7.02% APROct 13, 2026Oct 19, 2026
Capitol Bank Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Residential 5/1 Portfolio T-Bill ARM
6.25%
7.031%
▼
Rate6.25%
APR7.031%
Points0.000
UpdatedOct 14, 2026
Details

Initial interest rate; APR subject to increase; Assumes $300,000 loan amount, $500,000 property value, Dane County WI, primary residence, 0-day rate lock, 780 credit score

Rate History
4 changes since Sep 15, 2026 · 6.71% → 7.03% ▲ 0.32 pts · high 7.03% / low 6.71%
6.21%6.87%7.53%Sep 15, 2026: 6.71% APRSep 19, 2026: 6.79% APRSep 24, 2026: 6.86% APROct 1, 2026: 6.93% APROct 14, 2026: 7.03% APRSep 15, 2026Oct 19, 2026
  • Oct 14, 20267.03%▲ from 6.93%
  • Oct 1, 20266.93%▲ from 6.86%
  • Sep 24, 20266.86%▲ from 6.79%
  • Sep 19, 20266.79%▲ from 6.71%
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Construction 5/1 Adjustable Rate Service Retained Loan
6.625%
7.182%
▼
Rate6.625%
APR7.182%
Points0.000
UpdatedOct 14, 2026
Details

Construction loan; Service Retained; adjustable rate after initial fixed rate period

Rate History
5 changes since Sep 16, 2026 · 6.92% → 7.18% ▲ 0.27 pts · high 7.21% / low 6.92%
6.42%7.06%7.71%Sep 16, 2026: 6.92% APRSep 24, 2026: 7.09% APROct 1, 2026: 7.13% APROct 3, 2026: 7.14% APROct 8, 2026: 7.21% APROct 14, 2026: 7.18% APRSep 16, 2026Oct 19, 2026
  • Oct 14, 20267.18%▼ from 7.21%
  • Oct 8, 20267.21%▲ from 7.14%
  • Oct 3, 20267.14%▲ from 7.13%
  • Oct 1, 20267.13%▲ from 7.09%
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
WESTconsin 5/6 mo. ARM
7.25%
7.217%
▼
Rate7.25%
APR7.217%
Points0.000
UpdatedOct 19, 2026
Details

WESTconsin ARMs: option for members with past credit problems or financing a home that may not meet typical conditions

Rate History
2 changes since Sep 14, 2026 · 7.00% → 7.22% ▲ 0.22 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 14, 2026: 7.00% APROct 1, 2026: 7.25% APROct 9, 2026: 7.22% APRSep 14, 2026Oct 19, 2026
  • Oct 9, 20267.22%▼ from 7.25%
  • Oct 1, 20267.25%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
Citizens Bank Mukwonago, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Adjustable Rate Mortgage (ARM) Loans - 5/1 Year ARM
5/1 Year ARM
6.75%
7.246%
▼
Rate6.75%
APR7.246%
Points0.000
UpdatedOct 14, 2026
Details

Initial Rate Period: 5 Years; First Adjusted Rate: 7.250% (thereafter variable)

Rate History
No change since Oct 14, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 14, 2026: 7.25% APROct 14, 2026Oct 19, 2026
State Bank of Chilton
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5/1 Adjustable-Rate Mortgage
6.50%
7.274%
▼
Rate6.50%
APR7.274%
Points0.000
UpdatedOct 14, 2026
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 7.22% → 7.27% ▲ 0.05 pts · high 7.27% / low 7.22%
6.72%7.25%7.77%Sep 16, 2026: 7.22% APROct 1, 2026: 7.27% APRSep 16, 2026Oct 19, 2026
  • Oct 1, 20267.27%▲ from 7.22%
  • Sep 16, 20267.22%first recorded
Port Washington State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
5/1 Adjustable Rate Mortgage
7.375%
7.58%
▼
Rate7.375%
APR7.58%
Points0.000
UpdatedOct 14, 2026
Details

Initial interest rate 7.375%; APR subject to increase; later payments at 7.625%; loan amount $180,000; estimated property value $225,000; WI (Ozaukee county); primary residence; 60-day rate lock; assumed credit score 740

Rate History
1 change since Sep 15, 2026 · 7.63% → 7.58% ▼ 0.04 pts · high 7.63% / low 7.58%
7.08%7.60%8.13%Sep 15, 2026: 7.63% APROct 14, 2026: 7.58% APRSep 15, 2026Oct 19, 2026
  • Oct 14, 20267.58%▼ from 7.63%
  • Sep 15, 20267.63%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Mortgage - 5/1 ARM
6.70%
7.656%
▼
Rate6.70%
APR7.656%
Points0.000
UpdatedOct 19, 2026
Details

Adjustable Rate Mortgage

Rate History
No change since Oct 13, 2026 · 7.66% APR · checked 2 times
7.16%7.66%8.16%Oct 13, 2026: 7.66% APROct 13, 2026Oct 19, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Vacant Land 5/6 mo. ARM
7.75%
8.094%
▼
Rate7.75%
APR8.094%
Points0.000
UpdatedOct 19, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 7.84% → 8.09% ▲ 0.25 pts · high 8.09% / low 7.84%
7.34%7.97%8.59%Sep 14, 2026: 7.84% APRSep 18, 2026: 7.84% APROct 1, 2026: 8.02% APROct 9, 2026: 8.09% APROct 13, 2026: 8.09% APRSep 14, 2026Oct 19, 2026
  • Oct 13, 20268.09%▲ from 8.09%
  • Oct 9, 20268.09%▲ from 8.02%
  • Oct 1, 20268.02%▲ from 7.84%
  • Sep 18, 20267.84%▼ from 7.84%
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
First-Time Homebuyers 5/5 ARM - Second Mortgage - Maximum second mortgage 5% LTV
8.875%
8.875%
▼
Rate8.875%
APR8.875%
Points0.000
UpdatedOct 19, 2026
Details

Second Mortgage group; 5/5 ARM; No closing costs; 90% LTV; 30-year amortization (based on $100K loan amount); Minimum credit score 660; Applies to up to 2 family/duplex properties; Payment per $1,000: $10.08; APR calculated on loan amount of $100,000

Rate History
No change since Oct 19, 2026 · 8.88% APR
8.38%8.88%9.38%Oct 19, 2026: 8.88% APROct 19, 2026Oct 19, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
First-Time Homebuyers 5/5 ARM - Second Mortgage - Maximum second mortgage 7% LTV
9.125%
9.125%
▼
Rate9.125%
APR9.125%
Points0.000
UpdatedOct 19, 2026
Details

Second Mortgage group; 5/5 ARM; No closing costs; 90% LTV; 30-year amortization (based on $100K loan amount); Minimum credit score 660; Applies to up to 2 family/duplex properties; Payment per $1,000: $10.23; APR calculated on loan amount of $100,000

Rate History
No change since Oct 19, 2026 · 9.13% APR
8.63%9.13%9.63%Oct 19, 2026: 9.13% APROct 19, 2026Oct 19, 2026

Reedsburg 30-Year Jumbo Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Jumbo 6 Year Balloon Loan
5.24%
5.28%
▼
Rate5.24%
APR5.28%
Points0.000
UpdatedOct 19, 2026
Details

Jumbo Mortgage (Greater than $832,750); Note Rate (as low as); APR (as low as)

Rate History
No change since Oct 19, 2026 · 5.28% APR · checked 2 times
4.78%5.28%5.78%Oct 19, 2026: 5.28% APROct 19, 2026Oct 19, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Jumbo 7/1 ARM
5.625%
6.437%
▼
Rate5.625%
APR6.437%
Points0.000
UpdatedOct 19, 2026
Details

Jumbo Mortgage (Greater than $832,750); Note Rate (as low as); APR (as low as)

Rate History
No change since Oct 19, 2026 · 6.44% APR · checked 2 times
5.94%6.44%6.94%Oct 19, 2026: 6.44% APROct 19, 2026Oct 19, 2026
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
5 Year ARM Jumbo
6.625%
7.08%
▼
Rate6.625%
APR7.08%
Points0.000
UpdatedOct 14, 2026
Details

Jumbo Mortgage Interest Rates; Adjustable Rate, Service Retained; Rates assume a single family primary residence in Wisconsin, credit score 725 or better, 80% loan to value, $840,000 loan amount; Minimum loan amount for advertised rate is $832,750

Rate History
4 changes since Sep 24, 2026 · 6.98% → 7.08% ▲ 0.10 pts · high 7.10% / low 6.98%
6.48%7.04%7.60%Sep 24, 2026: 6.98% APROct 1, 2026: 7.03% APROct 3, 2026: 7.03% APROct 8, 2026: 7.10% APROct 14, 2026: 7.08% APRSep 24, 2026Oct 19, 2026
  • Oct 14, 20267.08%▼ from 7.10%
  • Oct 8, 20267.10%▲ from 7.03%
  • Oct 3, 20267.03%▲ from 7.03%
  • Oct 1, 20267.03%▲ from 6.98%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Jumbo Loan
Jumbo 30 Year Fixed
7.125%
7.125%
▼
Rate7.125%
APR7.125%
Points0.000
UpdatedOct 14, 2026
Details

As Low As; Finance higher-priced homes without a large down payment or multiple mortgages.

Rate History
2 changes since Sep 14, 2026 · 6.63% → 7.13% ▲ 0.50 pts · high 7.13% / low 6.63%
6.13%6.88%7.63%Sep 14, 2026: 6.63% APRSep 18, 2026: 6.88% APROct 1, 2026: 7.13% APRSep 14, 2026Oct 19, 2026
  • Oct 1, 20267.13%▲ from 6.88%
  • Sep 18, 20266.88%▲ from 6.63%
  • Sep 14, 20266.63%first recorded
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo adjustable-rate mortgage (ARM) loans
7/1 years
6.875%
7.204%
▼
Rate6.875%
APR7.204%
Points0.660
UpdatedOct 14, 2026
Details

Loan amount $940,000; down payment of at least 25%

Rate History
No change since Oct 14, 2026 · 7.20% APR
6.70%7.20%7.70%Oct 14, 2026: 7.20% APROct 14, 2026Oct 19, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo Adjustable-Rate Refinance
7/1 years
6.875%
7.217%
▼
Rate6.875%
APR7.217%
Points0.785
UpdatedOct 14, 2026
Details

Loan amount $940,000 with at least 25% equity; 30-year term

Rate History
No change since Oct 14, 2026 · 7.22% APR
6.72%7.22%7.72%Oct 14, 2026: 7.22% APROct 14, 2026Oct 19, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo 30 Yr Purchase Loan
30 years
7.25%
7.262%
▼
Rate7.25%
APR7.262%
Points0.000
UpdatedOct 14, 2026
Details

Principal & Interest Payment: $6,821.76; Jumbo loan; LTV 75% (25% down payment); loan amount $1,000,000; credit score 780 or higher; owner occupied single family; 60-day lock; minimum loan amount $832,751

Rate History
1 change since Sep 15, 2026 · 7.01% → 7.26% ▲ 0.25 pts · high 7.26% / low 7.01%
6.51%7.14%7.76%Sep 15, 2026: 7.01% APRSep 27, 2026: 7.26% APRSep 15, 2026Oct 19, 2026
  • Sep 27, 20267.26%▲ from 7.01%
  • Sep 15, 20267.01%first recorded
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Purchase Jumbo 30 Year Loan
7.25%
7.262%
▼
Rate7.25%
APR7.262%
Points0.000
UpdatedOct 14, 2026
Details

Purchase rate; Advertised rates effective as of 10/13/2026

Rate History
No change since Oct 14, 2026 · 7.26% APR
6.76%7.26%7.76%Oct 14, 2026: 7.26% APROct 14, 2026Oct 19, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Refinance - Jumbo 30 Year
30 years
7.25%
7.262%
▼
Rate7.25%
APR7.262%
Points0.000
UpdatedOct 14, 2026
Details

Advertised rates effective as of 10/13/2026

Rate History
No change since Oct 14, 2026 · 7.26% APR
6.76%7.26%7.76%Oct 14, 2026: 7.26% APROct 14, 2026Oct 19, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo adjustable-rate mortgage (ARM) loans
10/1 years
7.125%
7.336%
▼
Rate7.125%
APR7.336%
Points0.825
UpdatedOct 14, 2026
Details

Loan amount $940,000; down payment of at least 25%

Rate History
No change since Oct 14, 2026 · 7.34% APR
6.84%7.34%7.84%Oct 14, 2026: 7.34% APROct 14, 2026Oct 19, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo Adjustable-Rate Refinance
10/1 years
7.125%
7.349%
▼
Rate7.125%
APR7.349%
Points0.950
UpdatedOct 14, 2026
Details

Loan amount $940,000 with at least 25% equity; 30-year term

Rate History
No change since Oct 14, 2026 · 7.35% APR
6.85%7.35%7.85%Oct 14, 2026: 7.35% APROct 14, 2026Oct 19, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo loans
20-year
7.375%
7.608%
▼
Rate7.375%
APR7.608%
Points0.895
UpdatedOct 14, 2026
Details

Loan amount $940,000; down payment of at least 25%

Rate History
No change since Oct 14, 2026 · 7.61% APR
7.11%7.61%8.11%Oct 14, 2026: 7.61% APROct 14, 2026Oct 19, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo loans
30-year
7.50%
7.663%
▼
Rate7.50%
APR7.663%
Points0.715
UpdatedOct 14, 2026
Details

Loan amount $940,000; down payment of at least 25%

Rate History
No change since Oct 14, 2026 · 7.66% APR
7.16%7.66%8.16%Oct 14, 2026: 7.66% APROct 14, 2026Oct 19, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo Refinance
30-year
7.50%
7.676%
▼
Rate7.50%
APR7.676%
Points0.840
UpdatedOct 14, 2026
Details

Loan amount $940,000 with at least 25% equity

Rate History
No change since Oct 14, 2026 · 7.68% APR
7.18%7.68%8.18%Oct 14, 2026: 7.68% APROct 14, 2026Oct 19, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo Refinance
20-year
7.50%
7.701%
▼
Rate7.50%
APR7.701%
Points0.645
UpdatedOct 14, 2026
Details

Loan amount $940,000 with at least 25% equity

Rate History
No change since Oct 14, 2026 · 7.70% APR
7.20%7.70%8.20%Oct 14, 2026: 7.70% APROct 14, 2026Oct 19, 2026
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Jumbo 30 Year Fixed
30 years
7.75%
7.777%
▼
Rate7.75%
APR7.777%
Points0.000
UpdatedOct 14, 2026
Details

Rates Effective: 10.14.26

Rate History
3 changes since Sep 15, 2026 · 7.15% → 7.78% ▲ 0.63 pts · high 7.78% / low 7.15%
6.52%7.46%8.40%Sep 15, 2026: 7.15% APRSep 18, 2026: 7.53% APROct 2, 2026: 7.65% APROct 7, 2026: 7.78% APRSep 15, 2026Oct 19, 2026
  • Oct 7, 20267.78%▲ from 7.65%
  • Oct 2, 20267.65%▲ from 7.53%
  • Sep 18, 20267.53%▲ from 7.15%
  • Sep 15, 20267.15%first recorded

Reedsburg 15-Year Jumbo Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo loans
15-year
7.25%
7.494%
▼
Rate7.25%
APR7.494%
Points0.630
UpdatedOct 14, 2026
Details

Loan amount $940,000; down payment of at least 25%

Rate History
No change since Oct 14, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 14, 2026: 7.49% APROct 14, 2026Oct 19, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo Refinance
15-year
7.25%
7.515%
▼
Rate7.25%
APR7.515%
Points0.755
UpdatedOct 14, 2026
Details

Loan amount $940,000 with at least 25% equity

Rate History
No change since Oct 14, 2026 · 7.52% APR
7.02%7.52%8.02%Oct 14, 2026: 7.52% APROct 14, 2026Oct 19, 2026

Reedsburg 5/1 Jumbo ARM Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo adjustable-rate mortgage (ARM) loans
5/1 years
6.625%
7.177%
▼
Rate6.625%
APR7.177%
Points0.955
UpdatedOct 14, 2026
Details

Loan amount $940,000; down payment of at least 25%

Rate History
No change since Oct 14, 2026 · 7.18% APR
6.68%7.18%7.68%Oct 14, 2026: 7.18% APROct 14, 2026Oct 19, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo Adjustable-Rate Refinance
5/1 years
6.75%
7.203%
▼
Rate6.75%
APR7.203%
Points0.705
UpdatedOct 14, 2026
Details

Loan amount $940,000 with at least 25% equity; 30-year term

Rate History
No change since Oct 14, 2026 · 7.20% APR
6.70%7.20%7.70%Oct 14, 2026: 7.20% APROct 14, 2026Oct 19, 2026

Reedsburg FHA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
750 Viking Dr, Reedsburg, WI, 53959
FHA Mortgages - 30 Year FHA
30 Year
7.125%
8.002%
▼
Rate7.125%
APR8.002%
Points0.000
UpdatedOct 14, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 8.00% APR · checked 3 times
7.50%8.00%8.50%Oct 7, 2026: 8.00% APROct 7, 2026Oct 19, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
FHA 30-Year Fixed
30 years
6.875%
7.173%
▼
Rate6.875%
APR7.173%
Points0.000
UpdatedOct 14, 2026
Details

Mortgage Loans (Purchase); Effective October 13, 2026; APR includes approximately one discount point; TruStone membership required

Rate History
No change since Oct 14, 2026 · 7.17% APR
6.67%7.17%7.67%Oct 14, 2026: 7.17% APROct 14, 2026Oct 19, 2026
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
FHA 30 Year Fixed
30 years
6.99%
7.793%
▼
Rate6.99%
APR7.793%
Points0.000
UpdatedOct 14, 2026
Details

Rates Effective: 10.14.26

Rate History
No change since Oct 2, 2026 · 7.79% APR · checked 4 times
7.29%7.79%8.29%Oct 2, 2026: 7.79% APROct 2, 2026Oct 19, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
30 Year Fixed Rate Mortgage - FHA
30 years
7.75%
8.179%
▼
Rate7.75%
APR8.179%
Points0.000
UpdatedOct 14, 2026
Details

Government Loans

Rate History
2 changes since Sep 27, 2026 · 8.18% → 8.18% ▼ 0.00 pts · high 8.18% / low 7.67%
7.15%7.92%8.69%Sep 27, 2026: 8.18% APROct 1, 2026: 7.67% APROct 14, 2026: 8.18% APRSep 27, 2026Oct 19, 2026
  • Oct 14, 20268.18%▲ from 7.67%
  • Oct 1, 20267.67%▼ from 8.18%
  • Sep 27, 20268.18%first recorded
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Federal Housing Administration (FHA) loans
30-year
7.625%
8.537%
▼
Rate7.625%
APR8.537%
Points0.782
UpdatedOct 14, 2026
Details

Loan amount $270,019; down payment of at least 3.5%

Rate History
No change since Oct 14, 2026 · 8.54% APR
8.04%8.54%9.04%Oct 14, 2026: 8.54% APROct 14, 2026Oct 19, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
FHA Refinance
30-year
7.625%
8.551%
▼
Rate7.625%
APR8.551%
Points0.907
UpdatedOct 14, 2026
Details

Loan amount $270,019 with at least 3.5% equity; assumes FICO 680+

Rate History
No change since Oct 14, 2026 · 8.55% APR
8.05%8.55%9.05%Oct 14, 2026: 8.55% APROct 14, 2026Oct 19, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
FHA 30 Yr Purchase Loan
30 years
7.25%
9.565%
▼
Rate7.25%
APR9.565%
Points0.000
UpdatedOct 14, 2026
Details

Principal & Interest Payment: $1,179.99; Credit score 640 or higher; LTV 96.5% (3.5% down payment); Base loan amount of $170,000; Total loan amount of $172,975; 45-day lock

Rate History
2 changes since Sep 15, 2026 · 8.96% → 9.57% ▲ 0.60 pts · high 9.57% / low 8.96%
8.36%9.26%10.17%Sep 15, 2026: 8.96% APRSep 24, 2026: 9.26% APRSep 27, 2026: 9.57% APRSep 15, 2026Oct 19, 2026
  • Sep 27, 20269.57%▲ from 9.26%
  • Sep 24, 20269.26%▲ from 8.96%
  • Sep 15, 20268.96%first recorded
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Purchase FHA 30 Year Loan
7.25%
9.569%
▼
Rate7.25%
APR9.569%
Points0.000
UpdatedOct 14, 2026
Details

Purchase rate; Advertised rates effective as of 10/13/2026

Rate History
No change since Oct 14, 2026 · 9.57% APR
9.07%9.57%10.07%Oct 14, 2026: 9.57% APROct 14, 2026Oct 19, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Refinance - FHA 30 Year
30 years
7.25%
9.569%
▼
Rate7.25%
APR9.569%
Points0.000
UpdatedOct 14, 2026
Details

Advertised rates effective as of 10/13/2026

Rate History
No change since Oct 14, 2026 · 9.57% APR
9.07%9.57%10.07%Oct 14, 2026: 9.57% APROct 14, 2026Oct 19, 2026

Reedsburg VA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
750 Viking Dr, Reedsburg, WI, 53959
VA Mortgages - 30 Year VA
30 years
7.125%
7.449%
▼
Rate7.125%
APR7.449%
Points0.000
UpdatedOct 14, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.45% APR · checked 3 times
6.95%7.45%7.95%Oct 7, 2026: 7.45% APROct 7, 2026Oct 19, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
VA 15-year Fixed
15 years
6.25%
6.335%
▼
Rate6.25%
APR6.335%
Points0.000
UpdatedOct 19, 2026
Details

VA Mortgage Products; No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; APR calculated on loan amount of $100,000

Rate History
No change since Oct 19, 2026 · 6.34% APR
5.84%6.34%6.84%Oct 19, 2026: 6.34% APROct 19, 2026Oct 19, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
VA 30-year Fixed
30 years
6.625%
6.677%
▼
Rate6.625%
APR6.677%
Points0.000
UpdatedOct 19, 2026
Details

VA Mortgage Products; No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; APR calculated on loan amount of $100,000

Rate History
No change since Oct 19, 2026 · 6.68% APR
6.18%6.68%7.18%Oct 19, 2026: 6.68% APROct 19, 2026Oct 19, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
VA 30-Year Fixed
30 years
7.00%
7.109%
▼
Rate7.00%
APR7.109%
Points0.000
UpdatedOct 14, 2026
Details

Mortgage Loans (Purchase); Effective October 13, 2026; APR includes approximately one discount point; TruStone membership required

Rate History
No change since Oct 14, 2026 · 7.11% APR
6.61%7.11%7.61%Oct 14, 2026: 7.11% APROct 14, 2026Oct 19, 2026
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Federal VA 30 Year Fixed Rate
30 years
7.125%
7.474%
▼
Rate7.125%
APR7.474%
Points0.000
UpdatedOct 14, 2026
Details

Rates Effective: 10.14.26

Rate History
3 changes since Sep 15, 2026 · 7.09% → 7.47% ▲ 0.38 pts · high 7.47% / low 7.09%
6.59%7.28%7.97%Sep 15, 2026: 7.09% APRSep 18, 2026: 7.22% APRSep 24, 2026: 7.34% APRSep 27, 2026: 7.47% APRSep 15, 2026Oct 19, 2026
  • Sep 27, 20267.47%▲ from 7.34%
  • Sep 24, 20267.34%▲ from 7.22%
  • Sep 18, 20267.22%▲ from 7.09%
  • Sep 15, 20267.09%first recorded
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Veterans Affairs (VA) loans
30-year
7.125%
7.531%
▼
Rate7.125%
APR7.531%
Points0.975
UpdatedOct 14, 2026
Details

Loan amount $383,625; no down payment

Rate History
No change since Oct 14, 2026 · 7.53% APR
7.03%7.53%8.03%Oct 14, 2026: 7.53% APROct 14, 2026Oct 19, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Purchase VA 30 Year Loan
7.25%
7.541%
▼
Rate7.25%
APR7.541%
Points0.000
UpdatedOct 14, 2026
Details

Purchase rate; Advertised rates effective as of 10/13/2026

Rate History
No change since Oct 14, 2026 · 7.54% APR
7.04%7.54%8.04%Oct 14, 2026: 7.54% APROct 14, 2026Oct 19, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Refinance - VA 30 Year
30 years
7.25%
7.541%
▼
Rate7.25%
APR7.541%
Points0.000
UpdatedOct 14, 2026
Details

Advertised rates effective as of 10/13/2026

Rate History
4 changes since Sep 18, 2026 · 7.04% → 7.54% ▲ 0.50 pts · high 7.92% / low 7.04%
6.16%7.48%8.80%Sep 18, 2026: 7.04% APRSep 24, 2026: 7.16% APRSep 27, 2026: 7.42% APROct 7, 2026: 7.92% APROct 14, 2026: 7.54% APRSep 18, 2026Oct 19, 2026
  • Oct 14, 20267.54%▼ from 7.92%
  • Oct 7, 20267.92%▲ from 7.42%
  • Sep 27, 20267.42%▲ from 7.16%
  • Sep 24, 20267.16%▲ from 7.04%
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
VA 30 Yr Purchase Loan
30 years
7.25%
7.541%
▼
Rate7.25%
APR7.541%
Points0.000
UpdatedOct 14, 2026
Details

Principal & Interest Payment: $1,186.37; Rate example assumes credit score 680 or higher, LTV 100%, 45-day lock; rate subject to change daily

Rate History
5 changes since Sep 15, 2026 · 7.04% → 7.54% ▲ 0.50 pts · high 7.92% / low 7.04%
6.16%7.48%8.80%Sep 15, 2026: 7.04% APRSep 24, 2026: 7.16% APRSep 27, 2026: 7.42% APROct 1, 2026: 7.54% APROct 7, 2026: 7.92% APROct 14, 2026: 7.54% APRSep 15, 2026Oct 19, 2026
  • Oct 14, 20267.54%▼ from 7.92%
  • Oct 7, 20267.92%▲ from 7.54%
  • Oct 1, 20267.54%▲ from 7.42%
  • Sep 27, 20267.42%▲ from 7.16%
The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

Reedsburg, WI Mortgage Rate Trends

Compare local Reedsburg, WI mortgage rate quotes against the statewide average

Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.

View Full Wisconsin Mortgage Trends
30-Year Fixed WI Avg
7.501%
▼ 0.050 vs 7 days ago

Wisconsin 30-year fixed rates fell 0.050 points over the past 7 days to 7.501%.

15-Year Fixed WI Avg
6.983%
▼ 0.033 vs 7 days ago

Wisconsin 15-year fixed rates fell 0.033 points over the past 7 days to 6.983%.

As of Oct 19, 2026 • Rate data sourced from our monitored institution network
Powered by MonitorBankRates

Wisconsin Mortgage Rate Forecast, Next 12 Months

Where are Wisconsin mortgage rates headed through October 2027?

Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.

Current WI Avg
7.501%
30-Year Fixed
6-Month Forecast
7.501%
Range: 7.15%, 7.80%
12-Month Forecast
7.751%
Range: 7.40%, 8.05%
12-Mo Payment Chg.
+$32/mo
vs. today on median home

What Forecast Rates Mean for Reedsburg, WI Home Buyers

Monthly principal & interest payment on Reedsburg, WI median home of $229,100 (20% down, 30-year fixed, city-level Census ACS median)

Scenario Rate Mo. Payment vs. Today % of Income
Today (WI avg) 7.501% $1,282 20.5%
6-Month Forecast 7.501% (7.15, 7.80%) $1,282 +$0/mo 20.5%
12-Month Forecast 7.751% (7.40, 8.05%) $1,313 +$32/mo 21%

Income column = annual mortgage payment as % of Reedsburg, WI median household income ($75,028). Above 30% is generally considered cost-burdened.

Projections based on Fed funds futures and mortgage-to-fed-funds spread model. Not a guarantee of future rates.

MonitorBankRates Housing Affordability Index (MBR-HAI)

A daily-updated affordability score for Reedsburg, Wisconsin , computed from local Census Bureau data combined with current Wisconsin mortgage rates.

Wisconsin HAI Analysis
Reedsburg Metro MBR-HAI
108.0
Near National Average
National Average
97.1
Score of 100 = baseline
vs. National
+11
more affordable
Median Home Value
$229,100
Census ACS 5-Yr 2024
Median Income
$75,028
Household income

What This Score Means for Reedsburg, Wisconsin Home Buyers

With a score of 108.0, Reedsburg, Wisconsin is 11 points more affordable than the national average of 97.1. The area’s median home value of $229,100 against a median household income of $75,028 produces a price-to-income ratio of 3.1x , relatively affordable compared to national levels. At the current Wisconsin mortgage rate of 7.501%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $1,282 in principal and interest.

Beyond the mortgage payment, the median total monthly owner cost in this area is $1,081, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $315/month ($3,783/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.

Score Interpretation
120+  Highly Affordable
110-119  More Affordable Than Average
90-109  Near National Average
70-89  Moderately Less Affordable
50-69  Significantly Less Affordable
Below 50  Least Affordable
As of Oct 19, 2026 • Updated each morning

Score computed from local U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Wisconsin live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology

How Mortgage Rates Impact Home Affordability in Reedsburg, Wisconsin

Reedsburg, Wisconsin Housing Market Overview

According to the U.S. Census Bureau, the median owner-occupied home value in Reedsburg, Wisconsin is approximately $229,100. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.

Reedsburg, Wisconsin Homeownership Rate

Reedsburg Metro
71.2%
+5.5% vs. national avg
Wisconsin Statewide
71.2%
0% vs. Wisconsin
U.S. National Rate
65.7%
CPS/HVS Q4 2025
Homeowner Vacancy Rate
1%
Tight market: low inventory

With a homeownership rate of 71.2%, well above the national average of 65.7%, Reedsburg, Wisconsin has a strong ownership culture, making competitive mortgage rates especially important for buyers entering the market. The homeowner vacancy rate of 1% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.

Monthly Payment Estimates for Reedsburg, Wisconsin Buyers

Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $180,000 mortgage, based on a 20% down payment on the Reedsburg, Wisconsin median home value.

Interest Rate Loan Term Monthly Payment Total Interest Paid
7.001% 30-year fixed $1,198 $251,160
7.501% Current Avg 30-year fixed $1,259 $273,135
8.001% 30-year fixed $1,321 $295,525
6.983% 15-year fixed $1,616 $110,913

A 0.500% rate increase on a $180,000 loan adds roughly $62 per month and over $22,389 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Reedsburg, Wisconsin buyer can make.

Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.

Reedsburg, Wisconsin Income & Housing Affordability

At a price-to-income ratio of 3.1x, Reedsburg, Wisconsin is a relatively affordable housing market compared to national averages. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.

Reedsburg Median Income
$75,028
-7.1% vs. national median
ACS 5-Year 2024
Wisconsin Median Income
$77,485
-4% vs. national median
ACS 5-Year 2024
U.S. Median Income
$80,734
National baseline
ACS 5-Year 2024
Price-to-Income Ratio
3.1x
National avg: 3.8x
Home value / household income

What This Means for Reedsburg, Wisconsin Buyers

With a median household income of $75,028 per year in Reedsburg, Wisconsin ($6,252/month) and a median home value of approximately $229,100, a buyer financing at 80% LTV at the current average rate would commit roughly 20.1% of gross monthly income to principal and interest alone. that falls within a manageable range relative to income, though taxes, insurance, HOA fees, and PMI will add to the true monthly cost of ownership.

Compared to the Wisconsin statewide price-to-income ratio of 3.4x, Reedsburg tracks closely with the broader Wisconsin market on income-adjusted affordability. In either case, even a 0.25% improvement in your mortgage rate meaningfully reduces both the income needed to qualify and the total cost over the loan term.

Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.

Full Cost of Homeownership in Reedsburg, Wisconsin

A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Reedsburg, Wisconsin. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.

Owner vs. Renter Costs

Median Monthly Owner Cost
$1,081
Mortgage, taxes, insurance & utilities
-13% vs. Wisconsin avg
Median Gross Rent
$977
Rent including utilities
-10% vs. Wisconsin avg
Ownership Premium
+$104
Owner cost vs. rent per month
Owning costs 11% more than renting
Median Annual Property Tax
$3,783
$315/month added to housing costs

In Reedsburg, Wisconsin, the median homeowner with a mortgage pays approximately $1,081/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $977/month including utilities. The $104/month difference between owning and renting is relatively narrow, worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $315/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.

Housing Cost Burden

The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.

Owner Cost Burden (30%+)
18.6%
of mortgage holders
8.3% severely burdened (50%+)
Renter Cost Burden (30%+)
36.8%
of renters
16.7% severely burdened (50%+)
National Owner Burden
28.0%
of mortgage holders nationally
47.6% of renters nationally

In Reedsburg, Wisconsin, 18.6% of homeowners with mortgages are cost burdened and 36.8% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. The 18.6% owner burden rate is below the national average of 28.0%, suggesting this market offers relatively manageable ownership costs relative to local incomes.

Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.

Reedsburg, Wisconsin Mortgage Payment Calculator

See your estimated monthly principal & interest payment at today’s Reedsburg, Wisconsin rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.

Monthly P&I
$0
Loan Amount
$0
Total Interest
$0

Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.

Current Reedsburg, Wisconsin Mortgage Rates

Lowest verified rate per loan type · click to use its rate and term
Lowest verified rate per loan type available in Reedsburg, Wisconsin. ARM rates apply for the initial fixed period only. See the loan-type tabs above for all offers.

Run the Numbers on Your Reedsburg, Wisconsin Home Loan

Rates are only part of the equation. Use these calculators to translate current Reedsburg, Wisconsin mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.

Types of Mortgages Available in Reedsburg, Wisconsin

Not every loan program is right for every buyer in Reedsburg, Wisconsin. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.

Fixed-Rate Mortgage

A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.

Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Reedsburg, Wisconsin rate levels.

Adjustable-Rate Mortgage (ARM)

An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.

ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.

FHA Loan

Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.

The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Reedsburg, Wisconsin, FHA is often the faster path to ownership.

VA Loan

Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.

A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Reedsburg, Wisconsin, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.

Jumbo Loan

The 2026 FHFA conforming loan limit for Reedsburg, Wisconsin is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.

Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Reedsburg, Wisconsin mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Reedsburg, Wisconsin directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Reedsburg, Wisconsin. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in WI.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.

Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.

How a Mortgage Works in Reedsburg, Wisconsin

A mortgage is a loan used to buy a home in Reedsburg, Wisconsin, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.

Fixed-Rate vs. Adjustable-Rate Mortgages for Reedsburg, Wisconsin Buyers

A fixed-rate mortgage keeps the same interest rate for the entire term, so a Reedsburg, Wisconsin homeowner’s principal-and-interest payment never changes. For example, WCCU Credit Union is listing a 30 Year Fixed Rate at 7.25%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Reedsburg, Wisconsin borrowers who expect to move or refinance before that point. On the adjustable-rate side, Fond Du Lac Credit Union is listing a First Mortgage - 5/1 Year ARM at 5.50%.

How Reedsburg, Wisconsin Mortgage Rates Are Set

Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Wisconsin borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.

Points and Closing Costs in Reedsburg, Wisconsin

The interest rate is not the only cost of buying a home in Reedsburg, Wisconsin. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Reedsburg, Wisconsin shoppers account for these costs when weighing lenders.

When Reedsburg, Wisconsin Homeowners Should Consider Refinancing

Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Reedsburg, Wisconsin homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Reedsburg, Wisconsin refinance rates from local lenders are listed on our refinance page.

Frequently Asked Questions about Mortgage Rates in Reedsburg, Wisconsin

What are home loan rates in Reedsburg, WI today?

Home loan rates and mortgage rates mean the same thing. Reedsburg, Wisconsin mortgage rates range from 5.24% to 9.12%, verified by MonitorBankRates as of October 19, 2026. Current 30-year fixed mortgage rates in Reedsburg, Wisconsin include WCCU Credit UnionWCCU Credit Union660 S Albert Ave, Reedsburg, WI, 53959A5.0 ★Texas Ratio: 6.00% at 7.25%, Associated BankAssociated Bank750 Viking Dr, Reedsburg, WI, 53959A+5.0 ★Texas Ratio: 3.45% at 7.375%, Community First Bank Boscobel, WICommunity First Bank Boscobel, WI115 E Main St, Reedsburg, WI, 53959A+5.0 ★Texas Ratio: 2.02% at 7.625%, Madison Credit UnionMadison Credit UnionA+5.0 ★Texas Ratio: 2.90% at 6.24%, and Educators Credit UnionEducators Credit UnionA+5.0 ★Texas Ratio: 4.30% at 6.625%.

How does my credit score affect my rate in Wisconsin?

Your credit score is a major factor. Generally, borrowers in Reedsburg, Wisconsin with higher credit scores (760+) receive the lowest interest rates.

What is a 30-Year Fixed Mortgage?

A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Wisconsin because it offers lower monthly payments compared to shorter-term loans.

What are closing costs in Wisconsin?

Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Wisconsin, these may include appraisal fees, title insurance, and recording fees.

Should I lock my mortgage rate?

If you are satisfied with the current rate and worried rates might rise before closing on your home in Reedsburg, Wisconsin, locking your rate is a good idea. It guarantees your rate for a specific period.

What is an Adjustable-Rate Mortgage (ARM)?

An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.

What is a Jumbo Loan in Reedsburg, Wisconsin?

A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Wisconsin, these limits are higher. These loans typically require stronger credit and larger down payments.

Do I need 20% down to buy a house in Wisconsin?

No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Reedsburg, Wisconsin offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.

What is the difference between Interest Rate and APR?

The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.

How do I compare mortgage lenders in Reedsburg, Wisconsin?

Start with the rate tables on this page, which list current rates from local banks, credit unions and other mortgage lenders serving Wisconsin. Narrow the list to three or four lenders, then compare each one's rate, APR, points and fees side by side rather than the rate alone.

How do I get mortgage quotes in Reedsburg, Wisconsin?

Ask two to four mortgage lenders for a Loan Estimate on the same loan amount, term and down payment. Lenders must send a Loan Estimate within three business days of your application, and requesting your mortgage quotes on the same day keeps daily rate changes from skewing the comparison. Mortgage rate shopping within a short window, typically 14 to 45 days, counts as a single credit inquiry for most credit scores.

What is the median home value in Reedsburg, Wisconsin?

According to the U.S. Census Bureau, the median owner-occupied home value in Reedsburg, Wisconsin is approximately $229,100. The 2026 FHFA conforming loan limit for this area is $832,750. Source: U.S. Census Bureau; Federal Housing Finance Agency (FHFA).

What is the homeownership rate in Reedsburg, Wisconsin?

According to the U.S. Census Bureau Housing Vacancies and Homeownership survey (CPS/HVS, Q4 2025), the homeownership rate in the Reedsburg, WI metro area is 71.2%, compared to the national rate of 65.7%. Source: census.gov/housing/hvs.

What is the conforming loan limit in Reedsburg, Wisconsin?

The 2026 FHFA conforming loan limit for Reedsburg, Wisconsin is $832,750. Mortgages above this amount are considered jumbo loans and typically require stronger credit, a larger down payment, and additional reserves. Source: Federal Housing Finance Agency, fhfa.gov/data/conforming-loan-limit.

What is the median monthly cost of homeownership in Reedsburg, Wisconsin?

According to the U.S. Census Bureau, the median monthly owner cost for mortgage holders in Reedsburg, Wisconsin is approximately $1,081 per month. This includes the mortgage payment, property taxes, insurance, and utilities.

What are the median property taxes in Reedsburg, Wisconsin?

The median annual property tax paid by homeowners with a mortgage in Reedsburg, Wisconsin is $3,783 per year ($315 per month). Source: U.S. Census Bureau.

What is the median rent in Reedsburg, Wisconsin?

The median gross rent in Reedsburg, Wisconsin is $977 per month, including utilities. Source: U.S. Census Bureau.

What percentage of homeowners are cost burdened in Reedsburg, Wisconsin?

18.6% of mortgage holders in Reedsburg, Wisconsin spend more than 30% of their gross household income on housing costs -- the federal definition of cost burdened. 8.3% are severely cost burdened, spending 50% or more of their income on housing. The national average for owner cost burden is 28.0%. Source: U.S. Census Bureau.

What percentage of renters are cost burdened in Reedsburg, Wisconsin?

36.8% of renters in Reedsburg, Wisconsin spend more than 30% of their gross income on rent, compared to the national average of 47.6%. 16.7% are severely cost burdened at 50% or more. Source: U.S. Census Bureau.

What are the best Mortgage rates in Reedsburg, Wisconsin?

  • WCCU Credit Union: 7.25% (30 Year Fixed Rate)
  • Associated Bank: 7.375% (Conventional Fixed Rate Mortgages - 30 Year Fixed)
  • Community First Bank Boscobel, WI: 7.625% (30 Year Fixed Rate)
  • Madison Credit Union: 6.24% (First Mortgage Refinance - 30 Year Fixed)
  • Educators Credit Union: 6.625% (VA 30-year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to Wisconsin borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 19, 2026

Reedsburg, Wisconsin Rates & Resources