Mortgage lending in Jefferson County
2,188 mortgages were originated in Jefferson County, Wisconsin, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,188
- Median rate
- 6.750%
- Median lender fees
- $3,340
- Median loan amount
- $195,000
- Median spread over APOR
- 0.079
- Paid discount points
- 22%
- Received lender credits
- 19.7%
- Purchases / refinances
- 44.1% / 32.3%
- Conventional / FHA / VA
- 88.1% / 6.9% / 4.9%
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 54.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Jefferson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Summit Credit Union | 464 | $2,825 | 7.000% |
| Landmark Credit Union | 147 | $2,192 | 6.500% |
| University of Wisconsin Credit Union | 126 | — | 6.625% |
| Rocket Mortgage, LLC | 93 | $5,522 | 6.500% |
| Fairway Independent Mortgage Corporation | 80 | $3,585 | 6.750% |
| Johnson Financial Group | 75 | $2,319 | 6.600% |
| PremierBank | 68 | — | — |
| Associated Bank, National Association | 66 | — | 7.125% |
| Badger Bank | 56 | — | — |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Jefferson County — not a rule of thumb.
From 1,187 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers