Mortgage lending in Sauk County
1,767 mortgages were originated in Sauk 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
- 1,767
- Median rate
- 6.750%
- Median lender fees
- $3,302
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
- $185,000
- Above the going rate (spread over APOR)
- 0.041
- Paid discount points
- 20.8%
- Received lender credits
- 25%
- Purchases / refinances
- 41.8% / 36.8%
- Conventional / FHA / VA
- 88.9% / 5.3% / 5.3%
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 55.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $262,000
- That home, 20% down
- $209,600
A median-priced home with 20% down leaves $623,150 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 Sauk County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Summit Credit Union | 489 | $2,538 | 6.875% |
| Westby Co-op Credit Union | 144 | $1,053 | 7.188% |
| University of Wisconsin Credit Union | 142 | $2,975 | 6.500% |
| Fairway Independent Mortgage Corporation | 78 | $3,980 | 6.500% |
| Baraboo State Bank | 52 | — | — |
| Rocket Mortgage, LLC | 51 | $6,592 | 6.375% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Sauk County — not a rule of thumb.
From 975 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