Mortgage lending in Janesville-Beloit, WI
5,140 mortgages were originated in the Janesville-Beloit, WI area in 2025, and here is what they cost.
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
- 5,140
- Median rate
- 6.875%
- Median lender fees
- $3,337
- Median loan amount
- $155,000
- Median spread over APOR
- 0.210
- Paid discount points
- 22%
- Received lender credits
- 17.7%
- Purchases / refinances
- 42.1% / 33.7%
- Conventional / FHA / VA
- 86.5% / 7.8% / 5.6%
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% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Janesville-Beloit, WI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Summit Credit Union | 579 | $2,646 | 7.000% |
| Blackhawk Community Credit Union | 452 | $2,558 | 7.500% |
| Johnson Financial Group | 344 | $2,183 | 6.750% |
| University of Wisconsin Credit Union | 288 | $3,022 | 6.625% |
| GUILD MORTGAGE COMPANY | 228 | $4,843 | 6.625% |
| ADVIA Federal Credit Union | 224 | — | 7.000% |
| Rocket Mortgage, LLC | 223 | $5,656 | 6.625% |
| Associated Bank, National Association | 164 | $2,601 | 7.000% |
| BMO Bank National Association | 122 | — | 8.093% |
| The First National Bank and Trust Company | 121 | $2,234 | 7.125% |