Mortgage lending in Fond du Lac County
2,673 mortgages were originated in Fond du Lac County, Wisconsin, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,673
- Median rate
- 6.750%
- Median lender fees
- $2,739
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $165,000
- Above the going rate (spread over APOR)
- 0.292
- Paid discount points
- 20.5%
- Received lender credits
- 20.5%
- Purchases / refinances
- 46.4% / 33.1%
- Conventional / FHA / VA
- 87.7% / 7.8% / 4.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $225,000
- That home, 20% down
- $180,000
A median-priced home with 20% down leaves $652,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Fond du Lac County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| National Exchange Bank and Trust | 358 | $1,712 | 6.950% |
| Verve, A Credit Union | 156 | $2,146 | 6.500% |
| Associated Bank, National Association | 147 | $2,295 | 6.750% |
| Bank First, N.A. | 129 | $2,093 | 6.750% |
| U.S. Bank National Association | 122 | $3,003 | 6.500% |
| Guild Mortgage Company | 106 | $3,428 | 6.625% |
| Marine Credit Union | 92 | $2,077 | 9.055% |
| Summit Credit Union | 89 | — | 6.750% |
| Rocket Mortgage, LLC | 85 | $4,756 | 6.875% |
| Horicon Bank | 83 | $1,756 | 6.750% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Fond du Lac County — not a rule of thumb.
From 1,752 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers