Wittenberg, Wisconsin Mortgage Rates Today for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Wittenberg, Wisconsin mortgage rates today start at 6.50% for a 30 year fixed and 5.49% for a 15 year fixed, compared with Wisconsin averages of 7.308% and 6.819%. Wittenberg, Wisconsin mortgage rates range from 5.24% to 9.12%, verified by MonitorBankRates as of October 31, 2026. Current 30-year fixed mortgage rates in Wittenberg, Wisconsin include Associated BankAssociated Bank501 S Webb St, Wittenberg, WI, 54499A+5.0 ★Texas Ratio: 3.45%Rate verified Oct 31, 2026 at 7.125%, Educators Credit UnionEducators Credit UnionA+5.0 ★Texas Ratio: 4.30%Rate verified Oct 29, 2026 at 6.75%, Tri City National BankTri City National BankA+5.0 ★Texas Ratio: 4.17%Rate verified Oct 31, 2026 at 6.75%, TruStone Financial Credit UnionTruStone Financial Credit UnionA+5.0 ★Texas Ratio: 4.56%Rate verified Oct 30, 2026 at 6.75%, and Dupaco Community Credit UnionDupaco Community Credit UnionA+5.0 ★Texas Ratio: 3.87%Rate verified Oct 29, 2026 at 6.75%. Mortgage rates as of October 31, 2026 according to verified data from MonitorBankRates.
Wittenberg borrowers can compare 268 mortgage rates from 74 lenders serving the Wisconsin area, including 1 local, with rates as low as 6.50% from Associated Bank at 501 S Webb St, Wittenberg, WI, 54499. 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 31, 2026
Compare Mortgage Rates Today in Wittenberg, Wisconsin & the Surrounding Area
Wittenberg 30 Year Fixed Mortgage Rates
Additional APR listed for this product: 7.242%.
- Oct 31, 20267.24%▼ from 7.49%
- Oct 22, 20267.49%▼ from 7.49%
- Oct 20, 20267.49%first recorded
No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; Payment per $1,000: $6.49
- Oct 13, 20266.80%▼ from 6.93%
- Oct 2, 20266.93%▲ from 6.80%
- Oct 1, 20266.80%▲ from 6.55%
- Sep 18, 20266.55%▲ from 6.43%
No additional details available.
- Oct 31, 20266.83%▼ from 7.21%
- Oct 20, 20267.21%first recorded
Mortgage Loans (Purchase); Effective October 29, 2026
- Oct 30, 20266.87%▼ from 7.01%
- Oct 26, 20267.01%▼ from 7.13%
- Oct 10, 20267.13%▼ from 7.14%
- Oct 2, 20267.14%▲ from 7.12%
Mortgage Loans (Purchase); Effective October 29, 2026
- Oct 30, 20266.88%▼ from 7.04%
- Oct 26, 20267.04%▼ from 7.19%
- Oct 10, 20267.19%▼ from 7.29%
- Oct 2, 20267.29%▲ from 7.17%
No additional details available.
- Oct 26, 20266.89%▼ from 7.08%
- Oct 19, 20267.08%▼ from 7.21%
- Oct 13, 20267.21%▼ from 7.34%
- Oct 2, 20267.34%▲ from 7.27%
$100,000; Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20266.91%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.35%
- Oct 2, 20267.35%▲ from 7.33%
- Oct 1, 20267.33%first recorded
Construction Loan; one-time close; 1-year construction phase followed by 30-year permanent phase; Principal & Interest Payment $1,510.94; Credit score 740 or higher; LTV 80% (20% down payment); Loan amount $230,000; 90-day lock; Finance charges include $1,350 origination fee, $6.70 flood certification fee and $72 tax service fee
- Oct 31, 20266.94%▼ from 7.06%
- Oct 26, 20267.06%▼ from 7.19%
- Oct 20, 20267.19%▼ from 7.31%
- Sep 27, 20267.31%▲ from 7.06%
Servicing: WHEDA; Number of Monthly Payments: 360
No additional details available.
- Oct 26, 20266.96%▼ from 7.08%
- Oct 19, 20267.08%▼ from 7.21%
- Oct 13, 20267.21%▼ from 7.34%
- Oct 2, 20267.34%▲ from 7.27%
$200,000; Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20266.97%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.35%
- Oct 2, 20267.35%▲ from 7.33%
- Oct 1, 20267.33%first recorded
No additional details available.
Based on $165,000 loan, single-family primary residence in Wisconsin, credit score 740+, 60% LTV
- Oct 31, 20266.98%▼ from 7.49%
- Sep 27, 20267.49%▲ from 7.11%
- Sep 15, 20267.11%first recorded
As Low As; Rates may include points.
- Oct 26, 20267.00%▼ from 7.13%
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
Mortgage Loans (Purchase); Effective October 29, 2026
- Oct 30, 20267.00%▼ from 7.01%
- Oct 26, 20267.01%▼ from 7.25%
- Oct 10, 20267.25%▼ from 7.28%
- Oct 2, 20267.28%▲ from 7.25%
Purchase loan scenario; 25% down; 780+ credit score; rates effective as of 10/30/2026 with 45-day rate lock
- Oct 31, 20267.01%▼ from 7.13%
- Oct 26, 20267.13%▼ from 7.26%
- Oct 20, 20267.26%▼ from 7.51%
- Oct 7, 20267.51%▲ from 7.13%
Refinance; Effective October 29, 2026; APR includes approximately one discount point and closing costs
- Oct 30, 20267.01%▼ from 7.28%
- Oct 10, 20267.28%▼ from 7.37%
- Oct 2, 20267.37%▲ from 7.14%
- Sep 27, 20267.14%▲ from 6.88%
Mortgage Loans (Purchase); Effective October 29, 2026
- Oct 30, 20267.02%▼ from 7.02%
- Oct 26, 20267.02%▼ from 7.27%
- Oct 10, 20267.27%▼ from 7.29%
- Oct 2, 20267.29%▲ from 7.27%
Additional APR listed for this product: 7.06%.
- Oct 26, 20267.04%▼ from 7.08%
- Oct 19, 20267.08%▼ from 7.21%
- Oct 13, 20267.21%▼ from 7.34%
- Oct 2, 20267.34%▲ from 7.32%
APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance required prior to closing. APR based on <= 80% loan to value. Terms up to 30 years. Rates effective 09/24/2026.
- Oct 26, 20267.04%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Interest Rate Starting At 6.750%; APR Starting At 7.045%; $100,000 loan amount; $649 payment; Purchase, 70% LTV, primary residence, 760+ credit score
- Oct 30, 20267.05%▲ from 7.03%
- Oct 26, 20267.03%▼ from 7.12%
- Oct 19, 20267.12%▼ from 7.24%
- Oct 14, 20267.24%▲ from 7.13%
$832,750; Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20267.05%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.35%
- Oct 2, 20267.35%▲ from 7.33%
- Oct 1, 20267.33%first recorded
Fixed Rate Mortgage Interest Rates; Service Released; Calculate Your Payment | Projected Payment Schedule
Lock: based on a 30 day lock; APR assumes $250,000 loan, 20% down, 1/2 point
- Oct 31, 20267.08%▼ from 7.20%
- Oct 26, 20267.20%▼ from 7.33%
- Oct 20, 20267.33%▼ from 7.58%
- Oct 3, 20267.58%▼ from 7.70%
$300,000; Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20267.08%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.35%
- Oct 2, 20267.35%▲ from 7.33%
- Oct 1, 20267.33%first recorded
No additional details available.
No additional details available.
Rates effective as of October 27, 2026; purchase loan of $250,000, estimated property value $312,500, Sauk County WI, primary residence, 45-day rate lock, assumed credit score 780; escrow not established
- Oct 27, 20267.08%▼ from 7.21%
- Oct 22, 20267.21%▼ from 7.34%
- Oct 14, 20267.34%▼ from 7.46%
- Sep 24, 20267.46%first recorded
As Low As; Rates effective as of 10/19/2026
Note Rate 7.000%; APR based on purchase transactions, $175,000 loan, 40% down, 1 unit owner occupied
- Oct 26, 20267.11%▼ from 7.24%
- Oct 20, 20267.24%▼ from 7.62%
- Oct 1, 20267.62%▲ from 7.49%
- Sep 27, 20267.49%first recorded
No additional details available.
- Oct 31, 20267.12%▼ from 7.37%
- Oct 20, 20267.37%first recorded
No additional details available.
As Low As; Payment: 6,653.02 (payment column not a rate)
- Oct 30, 20267.14%▼ from 7.33%
- Sep 27, 20267.33%first recorded
Assumes $300,000 loan amount, $500,000 property value, Dane County WI, existing single family primary residence, 45-day rate lock, 780 credit score
- Oct 26, 20267.17%▼ from 7.29%
- Oct 20, 20267.29%▼ from 7.54%
- Oct 7, 20267.54%first recorded
Current Mortgage Rates; page label reads '20 Year Fixed Rate 30 Year Fixed Rate' so the 20 Year label may be a layout artifact
- Oct 26, 20267.17%▼ from 7.30%
- Oct 20, 20267.30%first recorded
As Low As; Home Loans - Purchase
- Oct 29, 20267.18%▼ from 7.30%
- Oct 19, 20267.30%▼ from 7.43%
- Oct 13, 20267.43%▼ from 7.55%
- Oct 1, 20267.55%▲ from 7.43%
Conventional Loan; Credit score 780 or higher; LTV 80% (20% down payment); Loan amount $230,000; Purchase, owner occupied single family; 45-day lock; Principal & Interest Payment $1,549.55
- Oct 31, 20267.18%▼ from 7.30%
- Oct 26, 20267.30%first recorded
Purchase; advertised rates effective as of 10/30/2026
Minimum mortgage loan of $30,000; minimum credit score 620; APR calculated on $100,000; rates not guaranteed until formal lock
No additional details available.
- Oct 27, 20267.19%▼ from 7.56%
- Oct 8, 20267.56%▲ from 7.44%
- Oct 3, 20267.44%first recorded
Payment Schedule: 360 payments of $1,010.58 at an interest rate of 7.125%
- Oct 27, 20267.19%▼ from 7.56%
- Oct 14, 20267.56%first recorded
As Low As; Fixed Rate Mortgages
- Oct 26, 20267.19%▼ from 7.32%
- Oct 19, 20267.32%▼ from 7.44%
- Oct 9, 20267.44%▼ from 7.57%
- Oct 2, 20267.57%▲ from 7.32%
based on $250,000 loan, 80% LTV, 720 minimum credit score
Secondary Market
Purchase rate; Initial; Rates updated 10/30/2026
- Oct 31, 20267.19%▼ from 7.45%
- Oct 20, 20267.45%▼ from 7.70%
- Oct 1, 20267.70%▲ from 7.57%
- Sep 27, 20267.57%▲ from 7.45%
As Low As; Payment: 1,596.73
- Oct 30, 20267.19%▼ from 7.32%
- Oct 19, 20267.32%▲ from 7.07%
- Sep 18, 20267.07%first recorded
Featured rate
- Oct 26, 20267.20%▼ from 7.32%
- Oct 19, 20267.32%▼ from 7.45%
- Oct 13, 20267.45%▼ from 7.57%
- Oct 2, 20267.57%▲ from 7.45%
No additional details available.
- Oct 29, 20267.20%▼ from 7.32%
- Oct 19, 20267.32%▼ from 7.45%
- Oct 9, 20267.45%▼ from 7.58%
- Oct 1, 20267.58%first recorded
No additional details available.
- Oct 29, 20267.20%▼ from 7.32%
- Oct 19, 20267.32%▼ from 7.45%
- Oct 9, 20267.45%▼ from 7.58%
- Oct 1, 20267.58%first recorded
Rates effective as of 10/26/2026; Subject to credit approval; APR assumes 20% down payment on a $100,000 loan
Wittenberg 15 Year Fixed Mortgage Rates
No additional details available.
- Oct 31, 20266.68%▼ from 6.93%
- Oct 22, 20266.93%first recorded
As Low As; 1st mortgage
Amortization: 15 years; EFF APR calculated using $150,000 mortgage borrowed
- Oct 1, 20265.66%▲ from 5.40%
- Sep 16, 20265.40%first recorded
As Low As; Mortgage rates effective as of 9/30/2026
First Mortgage - Primary Residence Only
As Low As; 70% LTV
- Oct 26, 20265.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As; 15 year fixed rate
Single-family primary residence, max 80% LTV; fixed rate for life of loan
Fixed Rate; Term column printed as 180
As Low As; Payment per $10,000 column excluded; merit-based rate; Effective Date 10/12026
No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; Payment per $1,000: $8.58
- Oct 26, 20266.34%▼ from 6.46%
- Oct 13, 20266.46%▼ from 6.59%
- Oct 2, 20266.59%▲ from 6.46%
- Oct 1, 20266.46%▲ from 6.21%
Mortgage Loans (Purchase); Effective October 29, 2026
- Oct 30, 20266.38%▼ from 6.47%
- Oct 26, 20266.47%▼ from 6.62%
- Oct 10, 20266.62%▼ from 6.72%
- Oct 2, 20266.72%▲ from 6.61%
As Low As; Both traditional and short-term options available. Rates may include points.
- Oct 19, 20266.38%▼ from 6.50%
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Minimum mortgage loan of $30,000; minimum credit score 620; APR calculated on $100,000; rates not guaranteed until formal lock
Refinance; Effective October 29, 2026; APR includes approximately one discount point and closing costs
- Oct 30, 20266.49%▼ from 6.72%
- Oct 10, 20266.72%▼ from 6.75%
- Oct 2, 20266.75%▲ from 6.73%
- Sep 27, 20266.73%▲ from 6.35%
As Low As; 80% LTV
- Oct 26, 20266.49%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Contact the credit union for details.
- Oct 2, 20266.50%▲ from 5.50%
- Sep 18, 20265.50%first recorded
APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance required prior to closing. APR based on <= 90% loan to value. For limited cash out refinance or purchase. Rates effective 09/24/2026.
- Oct 26, 20266.56%▲ from 5.82%
- Sep 14, 20265.82%first recorded
Rates based on credit score of 740 and higher; APR includes loan processing fee; APRs effective as of 10/1/2026
As Low As; Fixed rate; rates based on a credit score of 740 and higher; APR includes a loan processing fee; effective as of 10/1/2026
Purchase; loan amount $180,000; estimated property value $225,000; WI, Ozaukee county; primary residence; 60-day rate lock; 740 assumed credit score
- Oct 31, 20266.57%▼ from 6.70%
- Oct 26, 20266.70%▼ from 6.95%
- Oct 20, 20266.95%▲ from 6.70%
- Oct 20, 20266.70%▼ from 6.95%
Fixed Rate Mortgage Interest Rates; Service Released; Calculate Your Payment | Projected Payment Schedule
Interest Rate Starting At 6.125%; APR Starting At 6.594%; $100,000 loan amount; $851 payment; Purchase, 70% LTV, primary residence, 760+ credit score
- Oct 30, 20266.59%▼ from 6.61%
- Oct 26, 20266.61%▲ from 6.55%
- Oct 19, 20266.55%▼ from 6.74%
- Oct 14, 20266.74%first recorded
Fixed; Mortgage (1st) table matching Vacant Land section
No additional details available.
- Oct 29, 20266.63%▼ from 6.75%
- Oct 13, 20266.75%▼ from 7.00%
- Oct 2, 20267.00%▲ from 6.88%
- Oct 1, 20266.88%▲ from 6.50%
Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20266.63%▼ from 6.75%
- Oct 19, 20266.75%▼ from 6.88%
- Oct 9, 20266.88%▼ from 7.00%
- Oct 2, 20267.00%▲ from 6.88%
Current Mortgage Rates; page label reads '20 Year Fixed Rate 15 Year Fixed Rate'
- Oct 31, 20266.63%▼ from 6.88%
- Oct 26, 20266.88%▼ from 7.01%
- Oct 20, 20267.01%▼ from 7.26%
- Oct 7, 20267.26%▲ from 7.13%
No additional details available.
No additional details available.
As Low As; Payment: 2,074.20
- Oct 30, 20266.66%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.28%
- Sep 14, 20266.28%first recorded
Assumes $300,000 loan amount, $500,000 property value, Dane County WI, existing single family primary residence, 45-day rate lock, 780 credit score
- Oct 31, 20266.69%▼ from 6.82%
- Oct 20, 20266.82%▼ from 6.94%
- Oct 7, 20266.94%first recorded
Subject to FNMA conforming loan limit
- Oct 31, 20266.70%▼ from 6.80%
- Oct 26, 20266.80%▼ from 6.90%
- Oct 20, 20266.90%first recorded
As Low As; Home Loans - Purchase
- Oct 29, 20266.71%▼ from 6.96%
- Oct 13, 20266.96%▼ from 7.08%
- Sep 26, 20267.08%▲ from 6.71%
- Sep 18, 20266.71%▲ from 6.58%
Purchase loan scenario; 25% down; 780+ credit score; rates effective as of 10/30/2026 with 45-day rate lock
- Oct 31, 20266.71%▲ from 6.71%
- Oct 26, 20266.71%▼ from 6.84%
- Oct 20, 20266.84%▲ from 6.59%
- Oct 14, 20266.59%▼ from 7.09%
As Low As; Construction Loans; Rate as low as 6.625%, APR as low as 6.726%
- Oct 29, 20266.73%▼ from 6.80%
- Oct 19, 20266.80%first recorded
Purchase rate; Initial; Rates updated 10/30/2026
- Oct 31, 20266.73%▼ from 6.86%
- Oct 26, 20266.86%▼ from 6.98%
- Oct 20, 20266.98%▼ from 7.11%
- Oct 1, 20267.11%▲ from 6.98%
As Low As; Rates effective as of 10/19/2026
No additional details available.
- Oct 29, 20266.74%▼ from 6.87%
- Oct 19, 20266.87%▼ from 6.99%
- Oct 9, 20266.99%▲ from 6.99%
- Oct 1, 20266.99%first recorded
As Low As; First Mortgage Lien; Rate based on creditworthiness and term of loan
As Low As; Homepage featured rate; APR only shown
As Low As; Mortgage Rates
As Low As; Rates effective 10/09/2026; 1st mortgage, owner-occupied homes in Wisconsin; Membership Eligibility Required
Program: 15 Year Fixed (180 months); Payment: $1,755.99; Rates As Low As; 1st mortgage, owner-occupied, Wisconsin only; refinance example $200,000 loan, 60% LTV, credit score above 750
No additional details available.
Refinance Mortgage; 20% Down Payment
Rates effective as of 10/26/2026; Subject to credit approval; APR assumes 20% down payment on a $100,000 loan
Closing costs used for a purchase assuming / A credit / <80% LTV / $160,000 loan amount
- Oct 13, 20266.77%▲ from 6.37%
- Oct 1, 20266.37%first recorded
Mortgage; APR assumptions: $200,000 Purchase Money Mortgage for Single Family Home, 760+ FICO, 75% Loan to Value, Total Debt to Income Ratio <= 40%; Estimated $1,373 in APR fees plus Origination Fee
- Oct 31, 20266.77%▼ from 6.90%
- Oct 22, 20266.90%first recorded
30% Down Payment; Rates last updated on 10/30/2026
Based on $165,000 loan, single-family primary residence in Wisconsin, credit score 740+, 60% LTV
- Oct 31, 20266.79%▼ from 7.17%
- Sep 27, 20267.17%▲ from 6.79%
- Sep 18, 20266.79%▲ from 6.67%
- Sep 15, 20266.67%first recorded
Wittenberg 5/1 ARM Mortgage Rates
As Low As; ARM amortized over up to 30 years; First lien mortgage; Wisconsin properties only; Membership eligibility required
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available. Rates may include points.
- Oct 26, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
Adjustable Rate Mortgage Loans (ARMs); Up to 30-year amortization; Closing costs $1,600; APR calculated on $100,000; first 5 years locked, then rate can change by 1% after year five and every year after; rate cannot increase more than 8% over life of loan
As Low As; Rates effective as of 10/19/2026
1-year term with conversion to 5-year ARM after completion. Maximum 90% LTV. $1,600 closing cost + cost of title. APR calculated on loan amount of $100,000.
Mortgage Loans (Purchase); Effective October 29, 2026
- Oct 30, 20266.42%▲ from 6.38%
- Oct 26, 20266.38%▼ from 6.47%
- Oct 19, 20266.47%first recorded
Adjustable Rate; Rate (0.000 PTS); 99% LTV; PMI required over 80% LTV; 30-year amortization; Minimum credit score 740+; Occupation restrictions apply; No closing costs; Single family owner occupied homes only; No prepayment penalty
- 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%
Refinance; Effective October 29, 2026; Adjustable-rate mortgage, 5-year initial fixed period, then adjusts every six months based on 30-day SOFR plus margin; APR includes approximately one discount point and closing costs
- Oct 30, 20266.51%▲ from 6.47%
- Oct 26, 20266.47%▼ from 6.54%
- Oct 19, 20266.54%first recorded
As Low As; Payment example based on $250,000 loan amount, 80% LTV, minimum credit score 720
As Low As; Note Rate (as low as)
ARM rate/APR effective 09/28/2026 for initial term; adjusts to then-current fully indexed rate afterward
- Oct 1, 20266.57%▲ from 6.27%
- Sep 18, 20266.27%first recorded
As Low As; APR as low as 6.613%; Adjustable-Rate Mortgage; Lock in lower rates for five years, then adjusts every 6 months
- Oct 26, 20266.61%▲ from 6.52%
- Oct 13, 20266.52%▲ from 6.51%
- Oct 9, 20266.51%first recorded
No closing costs; 90% LTV; 30-year amortization (based on $100K loan amount); Minimum credit score 660; No prepayment penalty; APR calculated on $100,000 loan amount; Applies to up to 2 family/duplex properties
As Low As; ARM amortized over up to 15 years; Second lien mortgage; Wisconsin properties only; Membership eligibility required
As Low As; Mortgage Rates
No closing costs; 90% LTV; 30-year amortization (based on $100K loan amount); Minimum credit score 660; No prepayment penalty; APR calculated on $100,000 loan amount; Applies to up to 2 family/duplex properties
Initial interest rate; APR subject to increase; rates effective as of October 27, 2026; purchase loan of $250,000, estimated property value $312,500, Sauk County WI, primary residence, 45-day rate lock, assumed credit score 780; escrow not established
- Oct 14, 20266.75%▲ from 6.63%
- Oct 1, 20266.63%▲ from 6.58%
- Sep 24, 20266.58%first recorded
As Low As; Construction Loans; Rate as low as 6.375%, APR as low as 6.816%
- Oct 29, 20266.82%▲ from 6.71%
- Oct 26, 20266.71%▲ from 6.63%
- Oct 19, 20266.63%▼ from 7.06%
- Oct 13, 20267.06%▲ from 6.66%
As Low As; Note Rate (as low as) 5.875%; APR (as low as) 6.854%
- 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
Term: 5 years fixed (5/1 ARM); Adjustable rate mortgage (ARM); 30 Year Amortization; rate and payment may change after initial fixed period; primary residence; $100,000 loan amount; 80% LTV; credit score 740
Interest Rate Starting At 6.375%; APR Starting At 6.936%; $200,000 loan amount; $1248 payment; Purchase, 70% LTV, primary residence, 760+ credit score
As Low As; w/ 1.000 Points; Payment: 1,419.69
- Oct 30, 20266.94%▼ from 6.98%
- Oct 19, 20266.98%first recorded
Mortgage Loan Rates
Initial interest rate; APR subject to increase; purchase loan, $300,000 loan amount, $500,000 property value, WI (Dane county), existing single family primary residence, 0-day rate lock, 780 assumed credit score
- 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%
Construction Loan Interest Rates; 5/1 adjustable rate; adjustable after initial fixed period; Service Retained
- Oct 27, 20267.18%▼ from 7.26%
- Oct 22, 20267.26%▲ from 7.18%
- Oct 14, 20267.18%▼ from 7.21%
- Oct 8, 20267.21%▲ from 7.14%
Initial Rate Period: 5 Years; First Adjusted Rate: 7.250% (thereafter variable)
Principal and interest payment: $1,580.81; APR based on $250,000 loan, 80% LTV, purchase/refinance, 60-day rate lock, 740 minimum credit score; rates current as of September 28, 2026
No additional details available.
- Oct 26, 20267.32%▲ from 7.22%
- Oct 9, 20267.22%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.00%
- Sep 14, 20267.00%first recorded
Initial interest rate; APR subject to increase; later payments at 7.625%; purchase; loan amount $180,000; property value $225,000; rate lock 60 days; assumed credit score 740
- Oct 31, 20267.48%▼ from 7.53%
- Oct 26, 20267.53%▼ from 7.58%
- Oct 20, 20267.58%▲ from 7.53%
- Oct 20, 20267.53%▼ from 7.58%
Adjustable Rate Mortgage
No additional details available.
- Oct 26, 20268.20%▲ from 8.09%
- Oct 13, 20268.09%▲ from 8.09%
- Oct 9, 20268.09%▲ from 8.02%
- Oct 1, 20268.02%▲ from 7.84%
Second Mortgage section; No closing costs; 90% LTV; 15-year fixed equivalent (based off $10K loan amount); Minimum credit score 660; No prepayment penalty; APR calculated on $100,000 loan amount; Applies to up to 2 family/duplex properties
Second Mortgage section; No closing costs; 90% LTV; 15-year fixed equivalent (based off $10K loan amount); Minimum credit score 660; No prepayment penalty; APR calculated on $100,000 loan amount; Applies to up to 2 family/duplex properties
Wittenberg 30-Year Jumbo Mortgage Rates
As Low As; Jumbo Mortgages (Greater than $832,750)
As Low As; Jumbo Mortgages (Greater than $832,750)
Sample homebuyer assumptions: credit score 780 or higher; LTV 75% (25% down payment); loan amount $1,000,000; purchase; owner occupied single family home; no secondary financing; 60-day lock; minimum loan amount $832,751; sample rates effective 10/30/2026
- Oct 31, 20266.89%▼ from 7.01%
- Oct 26, 20267.01%▼ from 7.14%
- Oct 20, 20267.14%▼ from 7.26%
- Sep 27, 20267.26%▲ from 7.01%
Purchase; advertised rates effective as of 10/30/2026
No additional details available.
- Oct 31, 20266.89%▼ from 7.01%
- Oct 26, 20267.01%▼ from 7.14%
- Oct 20, 20267.14%first recorded
Jumbo Mortgage Interest Rates; Adjustable rate; Minimum loan amount for advertised rate is $832,750
- Oct 27, 20267.08%▼ from 7.15%
- Oct 22, 20267.15%▲ from 7.08%
- Oct 14, 20267.08%▼ from 7.10%
- Oct 8, 20267.10%▲ from 7.03%
Fixed-rate period 7 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Fixed-rate period 7 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
Fixed-rate period 10 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Fixed-rate period 10 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
APR (As Low As); Jumbo loans apply to loans greater than $750,000; requires LTV of 80% or less and credit score of 720 or higher; rates effective as of 10/19/2026
Loan amount $940,000; down payment at least 25%
Loan amount $940,000; down payment at least 25%
based on $940,000 loan amount and at least 25% equity
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.53%▼ from 7.65%
- Oct 26, 20267.65%▼ from 7.78%
- Oct 7, 20267.78%▲ from 7.65%
- Oct 2, 20267.65%▲ from 7.53%
based on $940,000 loan amount and at least 25% equity
Wittenberg 15-Year Jumbo Mortgage Rates
Loan amount $940,000; down payment at least 25%
based on $940,000 loan amount and at least 25% equity
Wittenberg 5/1 Jumbo ARM Mortgage Rates
APR (As Low As); Jumbo loans apply to loans greater than $750,000; requires LTV of 80% or less and credit score of 720 or higher; rates effective as of 10/19/2026
Fixed-rate period 5 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Fixed-rate period 5 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
Wittenberg FHA Loan Rates
No additional details available.
Mortgage Loans (Purchase); Effective October 29, 2026
- Oct 30, 20266.88%▼ from 7.04%
- Oct 26, 20267.04%▼ from 7.19%
- Oct 10, 20267.19%▼ from 7.29%
- Oct 2, 20267.29%▲ from 7.17%
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.42%▼ from 7.68%
- Oct 26, 20267.68%▼ from 7.79%
- Oct 2, 20267.79%first recorded
Government Loans
- Oct 31, 20267.54%▼ from 7.67%
- Oct 20, 20267.67%▲ from 7.28%
- Sep 15, 20267.28%first recorded
No additional details available.
Loan amount $270,019; down payment at least 3.5%; FICO 680+
based on $270,019 loan amount and at least 3.5% equity; assumes FICO 680+
Purchase; Principal & Interest Payment: $1,165.36; Credit score 640 or higher; LTV 96.5% (3.5% down payment); Base loan amount $170,000
- Oct 26, 20269.42%▼ from 9.57%
- Oct 20, 20269.57%▲ from 9.57%
- Sep 27, 20269.57%▲ from 9.26%
- Sep 24, 20269.26%▲ from 8.96%
Purchase; FHA; advertised rates effective as of 10/30/2026
No additional details available.
- Oct 26, 20269.42%▼ from 9.57%
- Oct 20, 20269.57%first recorded
Wittenberg VA Loan Rates
No additional details available.
- Oct 31, 20267.19%▼ from 7.32%
- Oct 26, 20267.32%▼ from 7.45%
- Oct 7, 20267.45%first recorded
No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; Payment per $1,000: $8.58
- Oct 26, 20266.34%▼ from 6.46%
- Oct 13, 20266.46%▼ from 6.59%
- Oct 2, 20266.59%▲ from 6.46%
- Oct 1, 20266.46%▲ from 6.21%
As Low As; Rates effective 10/23/2026; Maximum loan amount $832,750.00; assumes purchase price $175,000 and minimum credit score 740
As Low As; Rates effective 10/23/2026; Maximum loan amount $832,750.00; assumes purchase price $175,000 and minimum credit score 740
No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; Payment per $1,000: $6.49
- Oct 13, 20266.80%▼ from 6.93%
- Oct 2, 20266.93%▲ from 6.80%
- Oct 1, 20266.80%▲ from 6.55%
- Sep 18, 20266.55%▲ from 6.43%
Mortgage Loans (Purchase); Effective October 29, 2026
- Oct 30, 20266.87%▼ from 7.01%
- Oct 26, 20267.01%▼ from 7.13%
- Oct 10, 20267.13%▼ from 7.14%
- Oct 2, 20267.14%▲ from 7.12%
No additional details available.
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.22%▼ from 7.34%
- Oct 26, 20267.34%▼ from 7.47%
- Sep 27, 20267.47%▲ from 7.34%
- Sep 24, 20267.34%▲ from 7.22%
Loan amount $383,625; no down payment
Purchase rate; Initial; Rates updated 10/30/2026
- Oct 26, 20267.30%▼ from 7.43%
- Oct 20, 20267.43%▼ from 7.69%
- Oct 1, 20267.69%▲ from 7.56%
- Sep 27, 20267.56%▲ from 7.18%
based on $305,059 loan amount and 14.8% equity
Purchase; VA; advertised rates effective as of 10/30/2026
No additional details available.
- Oct 31, 20267.42%▼ from 7.54%
- Oct 26, 20267.54%▼ from 7.67%
- Oct 20, 20267.67%▲ from 7.04%
- Sep 15, 20267.04%first recorded
Principal & Interest Payment: $1,171.66; Rate example assumes credit score 680 or higher, LTV 100%, owner-occupied single family purchase, 45-day lock; subject to credit approval
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Wittenberg, WI Mortgage Rate Trends
Compare local Wittenberg, WI mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
Wisconsin 30-year fixed rates fell 0.077 points over the past 7 days to 7.308%.
Wisconsin 15-year fixed rates fell 0.090 points over the past 7 days to 6.819%.
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.
What Forecast Rates Mean for Wittenberg, WI Home Buyers
Monthly principal & interest payment on Wittenberg, WI median home of $138,500 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (WI avg) | 7.308% | $760 | 17.3% | |
| 6-Month Forecast | 7.308% (6.96, 7.61%) | $760 | +$0/mo | 17.3% |
| 12-Month Forecast | 7.558% (7.21, 7.86%) | $779 | +$19/mo | 17.7% |
Income column = annual mortgage payment as % of Wittenberg, WI median household income ($52,821). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Wittenberg, Wisconsin , computed from local Census Bureau data combined with current Wisconsin mortgage rates.
What This Score Means for Wittenberg, Wisconsin Home Buyers
With a score of 144.8, Wittenberg, Wisconsin is 47.4 points more affordable than the national average of 97.4. It ranks 179 of 695 scored Wisconsin cities, where 1 is the most affordable. The area’s median home value of $138,500 against a median household income of $52,821 produces a price-to-income ratio of 2.6x , relatively affordable compared to national levels. At the current Wisconsin mortgage rate of 7.298%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $759 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $757, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $123/month ($1,477/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
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 Wittenberg, Wisconsin
Wittenberg, Wisconsin Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Wittenberg, Wisconsin is approximately $138,500. 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.
Wittenberg, Wisconsin Homeownership Rate
With a homeownership rate of 71.2%, well above the national average of 65.7%, Wittenberg, 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 Wittenberg, 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 $110,000 mortgage, based on a 20% down payment on the Wittenberg, Wisconsin median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.808% | 30-year fixed | $718 | $148,373 |
| 7.308% Current Avg | 30-year fixed | $755 | $161,701 |
| 7.808% | 30-year fixed | $792 | $175,288 |
| 6.819% | 15-year fixed | $978 | $65,970 |
A 0.500% rate increase on a $110,000 loan adds roughly $38 per month and over $13,587 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 Wittenberg, 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.
Wittenberg, Wisconsin Income & Housing Affordability
At a price-to-income ratio of 2.6x, Wittenberg, 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.
What This Means for Wittenberg, Wisconsin Buyers
With a median household income of $52,821 per year in Wittenberg, Wisconsin ($4,402/month) and a median home value of approximately $138,500, a buyer financing at 80% LTV at the current average rate would commit roughly 17.1% 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, Wittenberg 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 Wittenberg, 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 Wittenberg, 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
In Wittenberg, Wisconsin, the median homeowner with a mortgage pays approximately $757/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $701/month including utilities. The $56/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 $123/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.
In Wittenberg, Wisconsin, 7.9% of homeowners with mortgages are cost burdened and 42.1% 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 7.9% 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.
Wittenberg, Wisconsin Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Wittenberg, 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.
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.
Run the Numbers on Your Wittenberg, Wisconsin Home Loan
Rates are only part of the equation. Use these calculators to translate current Wittenberg, Wisconsin mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Wittenberg, Wisconsin rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Wittenberg, Wisconsin.
CalculateTypes of Mortgages Available in Wittenberg, Wisconsin
Not every loan program is right for every buyer in Wittenberg, 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 Wittenberg, 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 Wittenberg, 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 Wittenberg, 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 Wittenberg, 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 Wittenberg, 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 Wittenberg, 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 Wittenberg, 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.
Mortgage Product Information
How a Mortgage Works
A mortgage is a loan used to buy a home in Wittenberg, 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 vs. Adjustable Rate Mortgages
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Wittenberg, Wisconsin homeowner’s principal-and-interest payment never changes. For example, Associated Bank is listing a 30 Year Fixed at 7.125%. 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 Wittenberg, 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 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
The interest rate is not the only cost of buying a home in Wittenberg, 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 Wittenberg, Wisconsin shoppers account for these costs when weighing lenders.
When to 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 Wittenberg, 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 Wittenberg, Wisconsin refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Wittenberg, Wisconsin
What are mortgage rates in Wittenberg, Wisconsin today?
What are home loan rates in Wittenberg, WI today?
How does my credit score affect my rate in Wittenberg, Wisconsin?
What is a 30-Year Fixed Mortgage?
What are closing costs in Wittenberg, Wisconsin?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Wittenberg, Wisconsin?
Do I need 20% down to buy a house in Wittenberg, Wisconsin?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Wittenberg, Wisconsin?
How do I get mortgage quotes in Wittenberg, Wisconsin?
What is the median home value in Wittenberg, Wisconsin?
What is the homeownership rate in Wittenberg, Wisconsin?
What is the conforming loan limit in Wittenberg, Wisconsin?
What is the median monthly cost of homeownership in Wittenberg, Wisconsin?
What are the median property taxes in Wittenberg, Wisconsin?
What is the median rent in Wittenberg, Wisconsin?
What percentage of homeowners are cost burdened in Wittenberg, Wisconsin?
What percentage of renters are cost burdened in Wittenberg, Wisconsin?
What are the best Mortgage rates in Wittenberg, Wisconsin?
- Associated Bank: 7.125% (30 Year Fixed)
- Educators Credit Union: 6.75% (VA Mortgage Products - 30-year Fixed)
- Tri City National Bank: 6.75% (30 Year Fixed Rate Mortgage - WHEDA First-time Homebuyer)
- TruStone Financial Credit Union: 6.75% (VA 30-Year Fixed)
- Dupaco Community Credit Union: 6.75% (Purchase: 30-Year Fixed Conventional)
Wittenberg, Wisconsin Rates & Resources
