Hudson, Wisconsin Refinance Rates Today for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Hudson, Wisconsin refinance 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%. Hudson, Wisconsin mortgage refinance rates range from 5.24% to 9.12%, verified by MonitorBankRates as of October 31, 2026. Current mortgage refinance rates in Hudson, Wisconsin include Royal Credit UnionRoyal Credit Union2501 Hanley Rd, Hudson, WI, 54016A+5.0 ★Texas Ratio: 3.17%Rate verified Oct 29, 2026 at 7.125%, Associated BankAssociated Bank2001 Coulee Rd, Hudson, WI, 54016A+5.0 ★Texas Ratio: 3.45%Rate verified Oct 31, 2026 at 7.125%, WESTconsin Credit UnionWESTconsin Credit Union1601 Maxwell Dr, Hudson, WI, 54016A+5.0 ★Texas Ratio: 3.22%Rate verified Oct 29, 2026 at 7.531%, Dupaco Community Credit UnionDupaco Community Credit UnionA+5.0 ★Texas Ratio: 3.87%Rate verified Oct 29, 2026 at 6.75%, and TruStone Financial Credit UnionTruStone Financial Credit UnionA+5.0 ★Texas Ratio: 4.56%Rate verified Oct 30, 2026 at 6.875%. Refinance rates as of October 31, 2026 according to verified data from MonitorBankRates.
Hudson homeowners can compare 268 refinance rates from 74 lenders serving the Wisconsin area, including 4 local, with rates as low as 6.50% from Associated Bank at 2001 Coulee Rd, Hudson, WI, 54016. Lenders below quote one rate for purchase and refinance loans. Use the tabs to compare all loan types and terms, then run the break-even calculator further down. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to Wisconsin homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 31, 2026
Compare Refinance Rates Today in Hudson, Wisconsin & the Surrounding Area
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Hudson, WI lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
Hudson 30 Year Fixed Refinance Rates
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%
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
As Low As; Fixed-rate mortgage; APR as low as 7.531%
- Oct 26, 20267.53%▼ from 7.66%
- Oct 19, 20267.66%▼ from 7.78%
- Oct 9, 20267.78%first recorded
No additional details available.
- Oct 26, 20267.53%▼ from 7.66%
- Oct 19, 20267.66%▲ from 7.28%
- Sep 14, 20267.28%first recorded
$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
$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
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%
$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
$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.
$100000; Rates effective as of 09/25/2026; Payment example: $673.80 (excludes taxes and insurance); Rate/term refinance, minimum credit score 760, 75% LTV
$832750; Rates effective as of 09/25/2026; Payment example: $5,680.83 (excludes taxes and insurance); Rate/term refinance, minimum credit score 760, 75% LTV
No additional details available.
- Oct 31, 20267.30%▼ from 7.43%
- Oct 26, 20267.43%▼ from 7.55%
- Oct 20, 20267.55%first recorded
$300000; Rates effective as of 09/25/2026; Payment example: $2,046.53 (excludes taxes and insurance); Rate/term refinance, minimum credit score 760, 75% LTV
$200000; Rates effective as of 09/25/2026; Payment example: $1,364.52 (excludes taxes and insurance); Rate/term refinance, minimum credit score 760, 75% LTV
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%
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%
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%
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%
Fixed Rate Mortgage Interest Rates; Service Released; Calculate Your Payment | Projected Payment Schedule
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
Hudson 15 Year Fixed Refinance Rates
No additional details available.
- Oct 31, 20266.68%▼ from 6.93%
- Oct 22, 20266.93%first recorded
As Low As; Fixed-rate mortgage; APR as low as 7.064%
- Oct 26, 20267.06%▼ from 7.07%
- Oct 19, 20267.07%▼ from 7.19%
- Oct 9, 20267.19%first recorded
No additional details available.
- Oct 26, 20267.06%▼ from 7.07%
- Oct 19, 20267.07%▲ from 6.69%
- Sep 14, 20266.69%first recorded
Fixed Rate; Term column printed as 180
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%
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%
No additional details available.
No additional details available.
- Oct 31, 20266.83%▼ from 6.96%
- Oct 26, 20266.96%▼ from 7.08%
- Oct 20, 20267.08%first recorded
Rates effective as of 09/25/2026; Payment example: $1,327.36 (excludes taxes and insurance); Rate/term refinance, minimum credit score 760, 75% LTV
No additional details available.
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
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
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%
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.
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
Hudson 5/1 ARM Refinance Rates
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 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
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%
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; 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%
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
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: 5/1 ARM (30 Year Amortization); Adjustable rate mortgage with variable rate feature after initial fixed period; 30 year amortization; based on $100,000 loan, primary residence, single-family home in Wisconsin, 80% LTV, credit score 740, borrower paid finance charges and closing fees
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
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
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
Hudson 30-Year Jumbo Refinance Rates
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; based on $940,000 loan amount and at least 25% equity
based on $940,000 loan amount and at least 25% equity
based on $940,000 loan amount and at least 25% equity
Fixed-rate period 7 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; loan amount $940,000; down payment at least 25%
Loan amount $940,000; down payment at least 25%
Loan amount $940,000; down payment at least 25%
No additional details available.
- Oct 31, 20266.89%▼ from 7.01%
- Oct 26, 20267.01%▼ from 7.14%
- Oct 20, 20267.14%first recorded
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
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%
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
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%
Hudson 15-Year Jumbo Refinance Rates
based on $940,000 loan amount and at least 25% equity
Loan amount $940,000; down payment at least 25%
Hudson 5/1 Jumbo ARM Refinance Rates
Fixed-rate period 5 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
Fixed-rate period 5 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
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
Hudson FHA Loan Rates
based on $270,019 loan amount and at least 3.5% equity; assumes FICO 680+
No additional details available.
Loan amount $270,019; down payment at least 3.5%; FICO 680+
No additional details available.
- Oct 26, 20269.42%▼ from 9.57%
- Oct 20, 20269.57%first recorded
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.
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
Hudson VA Loan Rates
based on $305,059 loan amount and 14.8% equity
No additional details available.
- Oct 31, 20267.19%▼ from 7.32%
- Oct 26, 20267.32%▼ from 7.45%
- Oct 7, 20267.45%first recorded
Loan amount $383,625; no down payment
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
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%
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%
Purchase; VA; advertised rates effective as of 10/30/2026
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.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 31, 2026. Use these as the benchmark for the Hudson, Wisconsin quotes above; lenders that price refinances separately currently run about 0.189 points higher.
Hudson, WI Refinance Rate Trends
Compare local Hudson, WI refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a Wisconsin refinance quote should be measured against, plus roughly 0.189 points at lenders that price refinances separately.
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%.
What Hudson, WI Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
Wisconsin Refinance Rate Forecast, Next 12 Months
Where are Wisconsin refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for Hudson, WI Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $314,160 (80% of the city median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (WI avg) | 7.308% | $2,156 | 27.5% | |
| 6-Month Forecast | 7.308% (6.96, 7.61%) | $2,156 | +$0/mo | 27.5% |
| 12-Month Forecast | 7.558% (7.21, 7.86%) | $2,209 | +$54/mo | 28.2% |
Income column = annual mortgage payment as % of Hudson, WI median household income ($93,937). Above 30% is generally considered cost-burdened.
Hudson, Wisconsin Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current Hudson, Wisconsin rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your Hudson, Wisconsin Refinance
The rate is only part of the decision. Use these calculators to turn current Hudson, Wisconsin home refinance rates into monthly savings, break-even months, and total interest before you request quotes from refinance lenders.
If 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.
CalculateEnter 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.
CalculateIf your goal is cash rather than a lower rate, compare current Hudson, Wisconsin home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell 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 Hudson, 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.
CalculateTypes of Refinance Loans Available in Hudson, Wisconsin
Homeowners in Hudson, Wisconsin can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every Wisconsin lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s Hudson, Wisconsin average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in Hudson, Wisconsin usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in Wisconsin quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming loan limit for Hudson, Wisconsin is $832,750. A refinance above that amount is a jumbo loan and stays on the lender’s books or goes to private investors, so pricing and underwriting are set lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hudson, Wisconsin refinance 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 Refinance Rate Data: We aggregate mortgage and refinance rates for Hudson, 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. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Hudson, 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 and refinance 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.
Refinance Product Information
How a Mortgage Refinance Works
A refinance pays off your current mortgage with a new loan on the same Hudson, Wisconsin home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
Refinance Rates vs. Purchase Rates
Most Wisconsin banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our Hudson, Wisconsin mortgage rates page. For example, Royal Credit Union is listing a 30 Year Fixed-Rate Purchase Mortgage at 7.125% for either purpose. Some lenders price refinances separately and list them by name, such as US Bank’s Jumbo Adjustable-Rate Mortgage (ARM) Loan - Refinance at 6.625%. Across lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break Even Point
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Hudson, Wisconsin homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs
Refinance closing costs in Wisconsin typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When to Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our Wisconsin refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in Hudson, Wisconsin
What are refinance rates in Hudson, Wisconsin today?
What are home loan refinance rates in Hudson, WI today?
Are refinance rates higher than purchase mortgage rates in Hudson, Wisconsin?
When does refinancing make sense in Hudson, Wisconsin?
How soon can I refinance a mortgage in Hudson, Wisconsin?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in Hudson, Wisconsin?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I compare refinance lenders in Hudson, Wisconsin?
How do I get refinance quotes in Hudson, Wisconsin?
What are the best refinance rates in Hudson, Wisconsin?
- Royal Credit Union: 7.125% (30 Year Fixed-Rate Purchase Mortgage)
- Associated Bank: 7.125% (30 Year Fixed)
- WESTconsin Credit Union: 7.531% (30 Year Fixed-Rate Mortgage)
- Dupaco Community Credit Union: 6.75% (Refinance: 30-Year Fixed Conventional)
- TruStone Financial Credit Union: 6.875% (30-Year Fixed Rate Refinance)
Hudson, Wisconsin Rates & Resources
