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Refinance Rate Trends

Hartford, Wisconsin Refinance Rates - October 2026

Hartford, Wisconsin mortgage refinance rates range from 5.24% to 9.12%, verified by MonitorBankRates as of October 5, 2026. Current mortgage refinance rates in Hartford, Wisconsin include Landmark Credit Union WILandmark Credit Union WI1400 Schauer Dr, Hartford, WI, 53027 1981A+5.0 ★Texas Ratio: 3.05% at 7.375%, Associated BankAssociated Bank1594 E Sumner St, Hartford, WI, 53027A+5.0 ★Texas Ratio: 3.45% at 7.625%, The Equitable Bank, S.S.B.The Equitable Bank, S.S.B.A+5.0 ★Texas Ratio: 0.46% at 7.25%, Dupaco Community Credit UnionDupaco Community Credit UnionA+5.0 ★Texas Ratio: 3.87% at 7.25%, and TruStone Financial Credit UnionTruStone Financial Credit UnionA+5.0 ★Texas Ratio: 4.56% at 7.25%. Refinance rates as of October 5, 2026 according to verified data from MonitorBankRates.

Hartford homeowners can compare 227 refinance rates from 68 lenders serving the Wisconsin area, including 3 local, with rates as low as 6.625% from US Bank at 1472 E Sumner St, Hartford, WI, 53027. 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 5, 2026

Compare Refinance Rates Today in Hartford, 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 Hartford, WI lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.180 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.

Hartford 30 Year Fixed Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
1400 Schauer Dr, Hartford, WI, 53027 1981
30-Year Fixed
30-Year
7.375%
7.467%
▼
Rate7.375%
APR7.467%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 7.47% APR · checked 2 times
6.97%7.47%7.97%Sep 24, 2026: 7.47% APRSep 24, 2026Oct 6, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
1594 E Sumner St, Hartford, WI, 53027
Conventional Fixed Rate Mortgages - 30 Year Fixed
30 Year
7.625%
7.744%
▼
Rate7.625%
APR7.744%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 7.11% → 7.74% ▲ 0.63 pts · high 7.74% / low 7.11%
6.48%7.43%8.38%Sep 14, 2026: 7.11% APRSep 18, 2026: 7.24% APRSep 24, 2026: 7.49% APROct 1, 2026: 7.74% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.74%▲ from 7.49%
  • Sep 24, 20267.49%▲ from 7.24%
  • Sep 18, 20267.24%▲ from 7.11%
  • Sep 14, 20267.11%first recorded
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
1594 E Sumner St, Hartford, WI, 53027
HomeReady Fixed Rate Mortgages - 30 Year Fixed
7.625%
7.747%
▼
Rate7.625%
APR7.747%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 7.12% → 7.75% ▲ 0.63 pts · high 7.75% / low 7.12%
6.48%7.43%8.38%Sep 14, 2026: 7.12% APRSep 18, 2026: 7.24% APRSep 24, 2026: 7.49% APRSep 27, 2026: 7.62% APROct 1, 2026: 7.75% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.75%▲ from 7.62%
  • Sep 27, 20267.62%▲ from 7.49%
  • Sep 24, 20267.49%▲ from 7.24%
  • Sep 18, 20267.24%▲ from 7.12%
The Equitable Bank, S.S.B.
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
30 Year Fixed Refinance
30 Year
7.25%
7.335%
▼
Rate7.25%
APR7.335%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
5 changes since Sep 16, 2026 · 7.08% → 7.34% ▲ 0.25 pts · high 7.59% / low 6.96%
6.33%7.27%8.22%Sep 16, 2026: 7.08% APRSep 20, 2026: 6.96% APRSep 24, 2026: 7.21% APRSep 28, 2026: 7.34% APROct 1, 2026: 7.59% APROct 3, 2026: 7.34% APRSep 16, 2026Oct 6, 2026
  • Oct 3, 20267.34%▼ from 7.59%
  • Oct 1, 20267.59%▲ from 7.34%
  • Sep 28, 20267.34%▲ from 7.21%
  • Sep 24, 20267.21%▲ from 6.96%
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Refinance: 30-Year Fixed Conventional
30-Year
7.25%
7.35%
▼
Rate7.25%
APR7.35%
Points0.000
UpdatedOct 2, 2026
Details

Additional APR listed for this product: 7.41%.

Rate History
1 change since Oct 1, 2026 · 7.33% → 7.35% ▲ 0.02 pts · high 7.35% / low 7.33%
6.83%7.34%7.85%Oct 1, 2026: 7.33% APROct 2, 2026: 7.35% APROct 1, 2026Oct 6, 2026
  • Oct 2, 20267.35%▲ from 7.33%
  • Oct 1, 20267.33%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
30-Year Fixed Rate Refinance
30-Year
7.25%
7.367%
▼
Rate7.25%
APR7.367%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.63% → 7.37% ▲ 0.74 pts · high 7.37% / low 6.63%
5.89%7.00%8.11%Sep 14, 2026: 6.63% APRSep 18, 2026: 6.89% APRSep 22, 2026: 6.88% APRSep 27, 2026: 7.14% APROct 2, 2026: 7.37% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.37%▲ from 7.14%
  • Sep 27, 20267.14%▲ from 6.88%
  • Sep 22, 20266.88%▼ from 6.89%
  • Sep 18, 20266.89%▲ from 6.63%
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Refinance: 30-Year Fixed Conventional
30-Year
7.38%
7.43%
▼
Rate7.38%
APR7.43%
Points0.000
UpdatedOct 2, 2026
Details

Additional APR listed for this product: 7.45%.

Rate History
No change since Oct 1, 2026 · 7.43% APR · checked 2 times
6.93%7.43%7.93%Oct 1, 2026: 7.43% APROct 1, 2026Oct 6, 2026
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Fixed-Rate Mortgage - 30 Year Fixed
30 Year
6.375%
6.528%
▼
Rate6.375%
APR6.528%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 6.53% APR · checked 2 times
6.03%6.53%7.03%Oct 1, 2026: 6.53% APROct 1, 2026Oct 6, 2026
Citizens Bank Mukwonago, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Adjustable Rate Construction Loans - 30 Year Fixed
30 Year
6.625%
6.697%
▼
Rate6.625%
APR6.697%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 6.70% APR · checked 4 times
6.20%6.70%7.20%Sep 24, 2026: 6.70% APRSep 24, 2026Oct 6, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
30 Year Fixed Rate Mortgage - WHEDA First-time Homebuyer
30 Year
6.625%
6.703%
▼
Rate6.625%
APR6.703%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 6.70% APR · checked 4 times
6.20%6.70%7.20%Sep 24, 2026: 6.70% APRSep 24, 2026Oct 6, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
VA Mortgage Products - 30-year Fixed
30-year
6.875%
6.928%
▼
Rate6.875%
APR6.928%
Points0.000
UpdatedOct 2, 2026
Details

No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.

Rate History
3 changes since Sep 14, 2026 · 6.43% → 6.93% ▲ 0.50 pts · high 6.93% / low 6.43%
5.92%6.68%7.43%Sep 14, 2026: 6.43% APRSep 18, 2026: 6.55% APROct 1, 2026: 6.80% APROct 2, 2026: 6.93% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.93%▲ from 6.80%
  • Oct 1, 20266.80%▲ from 6.55%
  • Sep 18, 20266.55%▲ from 6.43%
  • Sep 14, 20266.43%first recorded
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Primary Home-First Mortgage - 30 Year Fixed
30 Year
7.00%
7.04%
▼
Rate7.00%
APR7.04%
Points0.000
UpdatedOct 2, 2026
Details

APR is based on <= 90% loan to value and include $399.00 in origination costs. For limited cash out refinance or purchase.

Rate History
No change since Sep 18, 2026 · 7.04% APR · checked 4 times
6.54%7.04%7.54%Sep 18, 2026: 7.04% APRSep 18, 2026Oct 6, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
VA 30-Year Fixed
7.00%
7.144%
▼
Rate7.00%
APR7.144%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.52% → 7.14% ▲ 0.62 pts · high 7.14% / low 6.52%
5.90%6.83%7.77%Sep 14, 2026: 6.52% APRSep 18, 2026: 6.65% APRSep 22, 2026: 6.65% APRSep 27, 2026: 7.13% APROct 1, 2026: 7.12% APROct 2, 2026: 7.14% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.14%▲ from 7.12%
  • Oct 1, 20267.12%▼ from 7.13%
  • Sep 27, 20267.13%▲ from 6.65%
  • Sep 22, 20266.65%▼ from 6.65%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
30 Year Fixed Rate Mortgage
30 Year
7.25%
7.25%
▼
Rate7.25%
APR7.25%
Points0.000
UpdatedOct 2, 2026
Details

Lock in peace of mind for the long haul. A 30-year mortgage means lower monthly payments and lasting security. As low as

Rate History
3 changes since Sep 14, 2026 · 6.88% → 7.25% ▲ 0.38 pts · high 7.25% / low 6.88%
6.38%7.06%7.75%Sep 14, 2026: 6.88% APRSep 22, 2026: 7.00% APRSep 27, 2026: 7.13% APROct 1, 2026: 7.25% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.25%▲ from 7.13%
  • Sep 27, 20267.13%▲ from 7.00%
  • Sep 22, 20267.00%▲ from 6.88%
  • Sep 14, 20266.88%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
30-Year Fixed Rate - MN AZ FL
7.125%
7.279%
▼
Rate7.125%
APR7.279%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.74% → 7.28% ▲ 0.54 pts · high 7.28% / low 6.74%
6.21%7.01%7.82%Sep 14, 2026: 6.74% APRSep 18, 2026: 6.88% APRSep 22, 2026: 6.87% APRSep 27, 2026: 7.13% APROct 1, 2026: 7.25% APROct 2, 2026: 7.28% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.28%▲ from 7.25%
  • Oct 1, 20267.25%▲ from 7.13%
  • Sep 27, 20267.13%▲ from 6.87%
  • Sep 22, 20266.87%▼ from 6.88%
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
FHA 30-Year Fixed
7.00%
7.292%
▼
Rate7.00%
APR7.292%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.65% → 7.29% ▲ 0.65 pts · high 7.29% / low 6.65%
6.00%6.97%7.94%Sep 14, 2026: 6.65% APRSep 18, 2026: 6.66% APRSep 22, 2026: 6.76% APRSep 27, 2026: 7.20% APROct 1, 2026: 7.17% APROct 2, 2026: 7.29% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.29%▲ from 7.17%
  • Oct 1, 20267.17%▼ from 7.20%
  • Sep 27, 20267.20%▲ from 6.76%
  • Sep 22, 20266.76%▲ from 6.66%
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
30-Year Fixed Rate - WI
7.125%
7.292%
▼
Rate7.125%
APR7.292%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.76% → 7.29% ▲ 0.54 pts · high 7.29% / low 6.76%
6.22%7.02%7.83%Sep 14, 2026: 6.76% APRSep 18, 2026: 6.89% APRSep 22, 2026: 6.88% APRSep 27, 2026: 7.14% APROct 1, 2026: 7.27% APROct 2, 2026: 7.29% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.29%▲ from 7.27%
  • Oct 1, 20267.27%▲ from 7.14%
  • Sep 27, 20267.14%▲ from 6.88%
  • Sep 22, 20266.88%▼ from 6.89%
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Construction 30 Yr Loan
30 years
7.25%
7.313%
▼
Rate7.25%
APR7.313%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 7.06% → 7.31% ▲ 0.25 pts · high 7.31% / low 7.06%
6.56%7.19%7.81%Sep 15, 2026: 7.06% APRSep 27, 2026: 7.31% APRSep 15, 2026Oct 6, 2026
  • Sep 27, 20267.31%▲ from 7.06%
  • Sep 15, 20267.06%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
30 Year Fixed Rate (Secondary Market)
30 Year
7.25%
7.317%
▼
Rate7.25%
APR7.317%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 6.69% → 7.32% ▲ 0.63 pts · high 7.32% / low 6.69%
6.06%7.00%7.94%Sep 14, 2026: 6.69% APRSep 18, 2026: 6.94% APRSep 26, 2026: 7.07% APROct 1, 2026: 7.32% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.32%▲ from 7.07%
  • Sep 26, 20267.07%▲ from 6.94%
  • Sep 18, 20266.94%▲ from 6.69%
  • Sep 14, 20266.69%first recorded
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
30 Year Fixed
360 months
7.25%
7.331%
▼
Rate7.25%
APR7.331%
Points0.000
UpdatedOct 5, 2026
Details

Interest rates and APRs (Annual Percentage Rate) are effective as of 10/01/2025 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender.

Rate History
2 changes since Sep 16, 2026 · 6.95% → 7.33% ▲ 0.38 pts · high 7.33% / low 6.95%
6.45%7.14%7.83%Sep 16, 2026: 6.95% APRSep 22, 2026: 7.08% APRSep 26, 2026: 7.33% APRSep 16, 2026Oct 6, 2026
  • Sep 26, 20267.33%▲ from 7.08%
  • Sep 22, 20267.08%▲ from 6.95%
  • Sep 16, 20266.95%first recorded
The Equitable Bank, S.S.B.
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
30 Year Fixed Purchase
30 Year
7.25%
7.335%
▼
Rate7.25%
APR7.335%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
4 changes since Sep 16, 2026 · 6.96% → 7.34% ▲ 0.38 pts · high 7.46% / low 6.96%
6.46%7.21%7.96%Sep 16, 2026: 6.96% APRSep 24, 2026: 7.21% APRSep 28, 2026: 7.34% APROct 1, 2026: 7.46% APROct 3, 2026: 7.34% APRSep 16, 2026Oct 6, 2026
  • Oct 3, 20267.34%▼ from 7.46%
  • Oct 1, 20267.46%▲ from 7.34%
  • Sep 28, 20267.34%▲ from 7.21%
  • Sep 24, 20267.21%▲ from 6.96%
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Purchase: 30-Year Fixed Conventional
30-Year
7.25%
7.34%
▼
Rate7.25%
APR7.34%
Points0.000
UpdatedOct 2, 2026
Details

Additional APR listed for this product: 7.40%.

Rate History
1 change since Oct 1, 2026 · 7.32% → 7.34% ▲ 0.02 pts · high 7.34% / low 7.32%
6.82%7.33%7.84%Oct 1, 2026: 7.32% APROct 2, 2026: 7.34% APROct 1, 2026Oct 6, 2026
  • Oct 2, 20267.34%▲ from 7.32%
  • Oct 1, 20267.32%first recorded
Capitol Bank Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
30 Year Fixed Rate
7.375%
7.417%
▼
Rate7.375%
APR7.417%
Points0.000
UpdatedOct 3, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 780. At a 7.375% interest rate, the APR for this loan type is 7.417%. The payment schedule would be: 359 payments of $2,072.03 at an interest rate of 7.375%; 1 payment of $2,070.35 at an interest rate of 7.375%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Rate History
4 changes since Sep 15, 2026 · 7.17% → 7.42% ▲ 0.25 pts · high 7.54% / low 7.04%
6.54%7.29%8.04%Sep 15, 2026: 7.17% APRSep 24, 2026: 7.04% APRSep 27, 2026: 7.29% APROct 1, 2026: 7.54% APROct 3, 2026: 7.42% APRSep 15, 2026Oct 6, 2026
  • Oct 3, 20267.42%▼ from 7.54%
  • Oct 1, 20267.54%▲ from 7.29%
  • Sep 27, 20267.29%▲ from 7.04%
  • Sep 24, 20267.04%▼ from 7.17%
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Purchase: 30-Year Fixed Conventional
30-Year
7.38%
7.42%
▼
Rate7.38%
APR7.42%
Points0.000
UpdatedOct 2, 2026
Details

Additional APR listed for this product: 7.44%.

Rate History
No change since Oct 1, 2026 · 7.42% APR · checked 2 times
6.92%7.42%7.92%Oct 1, 2026: 7.42% APROct 1, 2026Oct 6, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
30 Year Fixed
30 Year
7.25%
7.422%
▼
Rate7.25%
APR7.422%
Points0.625
UpdatedOct 2, 2026
Details

as low as; Rate effective as of: 10/1/2026, as of 1:30 P.M.

Rate History
3 changes since Sep 14, 2026 · 7.04% → 7.42% ▲ 0.38 pts · high 7.42% / low 7.04%
6.54%7.23%7.92%Sep 14, 2026: 7.04% APRSep 18, 2026: 7.07% APRSep 22, 2026: 7.16% APROct 2, 2026: 7.42% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.42%▲ from 7.16%
  • Sep 22, 20267.16%▲ from 7.07%
  • Sep 18, 20267.07%▲ from 7.04%
  • Sep 14, 20267.04%first recorded
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
30-year Fixed
7.375%
7.43%
▼
Rate7.375%
APR7.43%
Points0.000
UpdatedOct 2, 2026
Details

Minimum mortgage loan of $30,000. Minimum credit score 620. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Mortgage points, or discount points are a form of prepaid interest you can choose to pay up front in the exchange for a lower rate and monthly payment. One mortgage point is equal to about 1% of your loan amount.

Rate History
3 changes since Sep 14, 2026 · 6.93% → 7.43% ▲ 0.50 pts · high 7.43% / low 6.93%
6.43%7.18%7.93%Sep 14, 2026: 6.93% APRSep 18, 2026: 7.05% APROct 1, 2026: 7.30% APROct 2, 2026: 7.43% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.43%▲ from 7.30%
  • Oct 1, 20267.30%▲ from 7.05%
  • Sep 18, 20267.05%▲ from 6.93%
  • Sep 14, 20266.93%first recorded
Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
30 Year Fixed
30 Year
7.375%
7.436%
▼
Rate7.375%
APR7.436%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Oct 3, 2026 · 7.44% APR
6.94%7.44%7.94%Oct 3, 2026: 7.44% APROct 3, 2026Oct 6, 2026
Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Home Mortgage - 30 Year Fixed
30 Year
7.375%
7.436%
▼
Rate7.375%
APR7.436%
Points0.000
UpdatedOct 3, 2026
Details

360 payments of $1,036.01 at an interest rate of 7.375%

Rate History
1 change since Sep 24, 2026 · 7.06% → 7.44% ▲ 0.38 pts · high 7.44% / low 7.06%
6.56%7.25%7.94%Sep 24, 2026: 7.06% APRSep 28, 2026: 7.44% APRSep 24, 2026Oct 6, 2026
  • Sep 28, 20267.44%▲ from 7.06%
  • Sep 24, 20267.06%first recorded
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
30-Year Fixed Service Released
7.375%
7.437%
▼
Rate7.375%
APR7.437%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
2 changes since Sep 16, 2026 · 6.84% → 7.44% ▲ 0.60 pts · high 7.44% / low 6.84%
6.23%7.14%8.04%Sep 16, 2026: 6.84% APRSep 24, 2026: 7.33% APROct 3, 2026: 7.44% APRSep 16, 2026Oct 6, 2026
  • Oct 3, 20267.44%▲ from 7.33%
  • Sep 24, 20267.33%▲ from 6.84%
  • Sep 16, 20266.84%first recorded
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 Year Fixed Rate
7.375%
7.437%
▼
Rate7.375%
APR7.437%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
3 changes since Sep 20, 2026 · 7.19% → 7.44% ▲ 0.25 pts · high 7.56% / low 7.19%
6.69%7.37%8.06%Sep 20, 2026: 7.19% APRSep 25, 2026: 7.31% APROct 1, 2026: 7.56% APROct 4, 2026: 7.44% APRSep 20, 2026Oct 6, 2026
  • Oct 4, 20267.44%▼ from 7.56%
  • Oct 1, 20267.56%▲ from 7.31%
  • Sep 25, 20267.31%▲ from 7.19%
  • Sep 20, 20267.19%first recorded
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Mortgage - 30 Year Fixed
7.375%
7.437%
▼
Rate7.375%
APR7.437%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
2 changes since Sep 25, 2026 · 7.31% → 7.44% ▲ 0.13 pts · high 7.56% / low 7.31%
6.81%7.44%8.06%Sep 25, 2026: 7.31% APROct 1, 2026: 7.56% APROct 4, 2026: 7.44% APRSep 25, 2026Oct 6, 2026
  • Oct 4, 20267.44%▼ from 7.56%
  • Oct 1, 20267.56%▲ from 7.31%
  • Sep 25, 20267.31%first recorded
Bank of Prairie du Sac
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 Year Fixed Rate
7.375%
7.461%
▼
Rate7.375%
APR7.461%
Points0.000
UpdatedOct 3, 2026
Details

Rates effective as of October 02, 2026.

Rate History
2 changes since Sep 28, 2026 · 7.46% → 7.46% ▼ 0.00 pts · high 7.59% / low 7.46%
6.96%7.52%8.09%Sep 28, 2026: 7.46% APROct 1, 2026: 7.59% APROct 3, 2026: 7.46% APRSep 28, 2026Oct 6, 2026
  • Oct 3, 20267.46%▼ from 7.59%
  • Oct 1, 20267.59%▲ from 7.46%
  • Sep 28, 20267.46%first recorded
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Federal VA 30 Year Fixed Rate
30 Year
7.125%
7.474%
▼
Rate7.125%
APR7.474%
Points0.000
UpdatedOct 2, 2026
Details

Term: Federal VA 30 Year Fixed Rate; Terms and Conditions for Federal VA 30 Year Fixed Rate

Rate History
3 changes since Sep 15, 2026 · 7.09% → 7.47% ▲ 0.38 pts · high 7.47% / low 7.09%
6.59%7.28%7.97%Sep 15, 2026: 7.09% APRSep 18, 2026: 7.22% APRSep 24, 2026: 7.34% APRSep 27, 2026: 7.47% APRSep 15, 2026Oct 6, 2026
  • Sep 27, 20267.47%▲ from 7.34%
  • Sep 24, 20267.34%▲ from 7.22%
  • Sep 18, 20267.22%▲ from 7.09%
  • Sep 15, 20267.09%first recorded
Marathon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
30 Year Fixed Mortgage
30 Year
7.375%
7.488%
▼
Rate7.375%
APR7.488%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 6.86% → 7.49% ▲ 0.63 pts · high 7.49% / low 6.86%
6.23%7.17%8.12%Sep 15, 2026: 6.86% APRSep 24, 2026: 7.11% APRSep 27, 2026: 7.36% APROct 1, 2026: 7.49% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20267.49%▲ from 7.36%
  • Sep 27, 20267.36%▲ from 7.11%
  • Sep 24, 20267.11%▲ from 6.86%
  • Sep 15, 20266.86%first recorded
Great Midwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Conventional Fixed Rate Mortgages - 30 YR Fixed
30 years
7.50%
7.50%
▼
Rate7.50%
APR7.50%
Points0.000
UpdatedOct 3, 2026
Details

The rate details shown assume the following: The property being purchased is located in Brookfield, Wisconsin and is a single family home to be used as a primary residence. The estimated value is $600,000, down payment is $180,000 and loan amount is $420,000. An escrow account may be required and, in that event, the actual monthly payment will also include an amount for real estate taxes. The standard rate lock period is 45 days and the assumed credit score is 780. Loan Amount: $420,000.00 Property Value: $600,000.00 Number of Payments: 359 Payment Amount: $2,936.70 Number of Payments: 1 Payment Amount: $2,936.35

Rate History
4 changes since Sep 15, 2026 · 7.13% → 7.50% ▲ 0.37 pts · high 7.50% / low 6.63%
5.76%7.07%8.37%Sep 15, 2026: 7.13% APRSep 19, 2026: 7.16% APRSep 27, 2026: 7.41% APROct 1, 2026: 6.63% APROct 3, 2026: 7.50% APRSep 15, 2026Oct 6, 2026
  • Oct 3, 20267.50%▲ from 6.63%
  • Oct 1, 20266.63%▼ from 7.41%
  • Sep 27, 20267.41%▲ from 7.16%
  • Sep 19, 20267.16%▲ from 7.13%
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
30 Year Fixed Mortgage
7.375%
7.512%
▼
Rate7.375%
APR7.512%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 27, 2026 · 7.39% → 7.51% ▲ 0.13 pts · high 7.51% / low 7.39%
6.89%7.45%8.01%Sep 27, 2026: 7.39% APROct 1, 2026: 7.51% APRSep 27, 2026Oct 6, 2026
  • Oct 1, 20267.51%▲ from 7.39%
  • Sep 27, 20267.39%first recorded
Unison Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Home and Advantage Home Loans - 30 Year Fixed Rate Mortgage Loan
30 Year
7.50%
7.54%
▼
Rate7.50%
APR7.54%
Points0.000
UpdatedOct 5, 2026
Details

Rates as Low as*

Rate History
2 changes since Sep 18, 2026 · 7.16% → 7.54% ▲ 0.38 pts · high 7.54% / low 7.16%
6.66%7.35%8.04%Sep 18, 2026: 7.16% APRSep 26, 2026: 7.42% APROct 1, 2026: 7.54% APRSep 18, 2026Oct 6, 2026
  • Oct 1, 20267.54%▲ from 7.42%
  • Sep 26, 20267.42%▲ from 7.16%
  • Sep 18, 20267.16%first recorded
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
VA 30 Yr Purchase Loan
30 years
7.25%
7.541%
▼
Rate7.25%
APR7.541%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.04% → 7.54% ▲ 0.50 pts · high 7.54% / low 7.04%
6.53%7.29%8.05%Sep 15, 2026: 7.04% APRSep 24, 2026: 7.16% APRSep 27, 2026: 7.42% APROct 1, 2026: 7.54% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20267.54%▲ from 7.42%
  • Sep 27, 20267.42%▲ from 7.16%
  • Sep 24, 20267.16%▲ from 7.04%
  • Sep 15, 20267.04%first recorded
Guardian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
30 Year Fixed Rate Mortgage
30 Year
7.50%
7.542%
▼
Rate7.50%
APR7.542%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.92% → 7.54% ▲ 0.63 pts · high 7.54% / low 6.92%
6.29%7.23%8.17%Sep 14, 2026: 6.92% APRSep 22, 2026: 7.04% APROct 2, 2026: 7.54% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.54%▲ from 7.04%
  • Sep 22, 20267.04%▲ from 6.92%
  • Sep 14, 20266.92%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
30 Year Fixed Rate
30 Year
7.50%
7.551%
▼
Rate7.50%
APR7.551%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 7.05% → 7.55% ▲ 0.50 pts · high 7.55% / low 7.05%
6.55%7.30%8.05%Sep 14, 2026: 7.05% APRSep 18, 2026: 7.18% APRSep 26, 2026: 7.43% APROct 1, 2026: 7.55% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.55%▲ from 7.43%
  • Sep 26, 20267.43%▲ from 7.18%
  • Sep 18, 20267.18%▲ from 7.05%
  • Sep 14, 20267.05%first recorded
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
30 Yr Fixed Purchase
30 years
7.50%
7.553%
▼
Rate7.50%
APR7.553%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 15, 2026 · 7.18% → 7.55% ▲ 0.38 pts · high 7.55% / low 7.18%
6.68%7.36%8.05%Sep 15, 2026: 7.18% APRSep 24, 2026: 7.30% APROct 1, 2026: 7.55% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20267.55%▲ from 7.30%
  • Sep 24, 20267.30%▲ from 7.18%
  • Sep 15, 20267.18%first recorded
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Current Mortgage - 30 Year Fixed
30 Year
7.50%
7.553%
▼
Rate7.50%
APR7.553%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 7.55% APR · checked 2 times
7.05%7.55%8.05%Oct 1, 2026: 7.55% APROct 1, 2026Oct 6, 2026
N.E.W. Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Mortgages - 30 Year Fixed
30 Year
7.50%
7.557%
▼
Rate7.50%
APR7.557%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 6.55% → 7.56% ▲ 1.01 pts · high 7.56% / low 6.55%
5.55%7.05%8.56%Sep 16, 2026: 6.55% APROct 2, 2026: 7.56% APRSep 16, 2026Oct 6, 2026
  • Oct 2, 20267.56%▲ from 6.55%
  • Sep 16, 20266.55%first recorded
Royal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
30-Year Fixed Rate
30-Year
7.50%
7.559%
▼
Rate7.50%
APR7.559%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 27, 2026 · 7.56% APR · checked 2 times
7.06%7.56%8.06%Sep 27, 2026: 7.56% APRSep 27, 2026Oct 6, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
30 Year Fixed Rate
30 Year
7.50%
7.567%
▼
Rate7.50%
APR7.567%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 6.94% → 7.57% ▲ 0.63 pts · high 7.57% / low 6.94%
6.31%7.25%8.20%Sep 14, 2026: 6.94% APRSep 18, 2026: 7.06% APROct 1, 2026: 7.32% APROct 2, 2026: 7.57% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.57%▲ from 7.32%
  • Oct 1, 20267.32%▲ from 7.06%
  • Sep 18, 20267.06%▲ from 6.94%
  • Sep 14, 20266.94%first recorded
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
30 Year Fixed Rate Purchase Mortgage
30 Year
7.50%
7.574%
▼
Rate7.50%
APR7.574%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 7.07% → 7.57% ▲ 0.50 pts · high 7.57% / low 7.07%
6.57%7.32%8.08%Sep 14, 2026: 7.07% APRSep 18, 2026: 7.20% APROct 1, 2026: 7.45% APROct 2, 2026: 7.57% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.57%▲ from 7.45%
  • Oct 1, 20267.45%▲ from 7.20%
  • Sep 18, 20267.20%▲ from 7.07%
  • Sep 14, 20267.07%first recorded
Heartland Credit Union Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
30 Year Fixed
7.50%
7.575%
▼
Rate7.50%
APR7.575%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.58% APR
7.08%7.57%8.08%Oct 2, 2026: 7.58% APROct 2, 2026Oct 6, 2026
Heartland Credit Union Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
HomeReady 30 YR Fixed
7.50%
7.575%
▼
Rate7.50%
APR7.575%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.58% APR
7.08%7.57%8.08%Oct 2, 2026: 7.58% APROct 2, 2026Oct 6, 2026
Heartland Credit Union Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Private Mortgage Insurance Rate% - 30 Year Fixed
7.50%
7.575%
▼
Rate7.50%
APR7.575%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 7.58% APR · checked 2 times
7.08%7.57%8.08%Oct 1, 2026: 7.58% APROct 1, 2026Oct 6, 2026
FNB of River Falls
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
30 Year Mortgage
30 Year
7.50%
7.577%
▼
Rate7.50%
APR7.577%
Points1.000
UpdatedOct 3, 2026
Details

based on a 30 day lock

Rate History
3 changes since Sep 19, 2026 · 7.20% → 7.58% ▲ 0.38 pts · high 7.70% / low 7.20%
6.70%7.45%8.21%Sep 19, 2026: 7.20% APRSep 27, 2026: 7.58% APROct 1, 2026: 7.70% APROct 3, 2026: 7.58% APRSep 19, 2026Oct 6, 2026
  • Oct 3, 20267.58%▼ from 7.70%
  • Oct 1, 20267.70%▲ from 7.58%
  • Sep 27, 20267.58%▲ from 7.20%
  • Sep 19, 20267.20%first recorded

Hartford 15 Year Fixed Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
1594 E Sumner St, Hartford, WI, 53027
Conventional Fixed Rate Mortgages - 15 Year Fixed
15 Year
7.00%
7.182%
▼
Rate7.00%
APR7.182%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 6.68% → 7.18% ▲ 0.51 pts · high 7.18% / low 6.68%
6.17%6.93%7.69%Sep 14, 2026: 6.68% APRSep 18, 2026: 6.80% APRSep 24, 2026: 7.06% APRSep 27, 2026: 7.18% APRSep 14, 2026Oct 6, 2026
  • Sep 27, 20267.18%▲ from 7.06%
  • Sep 24, 20267.06%▲ from 6.80%
  • Sep 18, 20266.80%▲ from 6.68%
  • Sep 14, 20266.68%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
15-Year Fixed Rate Refinance
15-Year
6.50%
6.745%
▼
Rate6.50%
APR6.745%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.09% → 6.75% ▲ 0.66 pts · high 6.75% / low 6.09%
5.43%6.42%7.40%Sep 14, 2026: 6.09% APRSep 18, 2026: 6.37% APRSep 22, 2026: 6.35% APRSep 27, 2026: 6.73% APROct 2, 2026: 6.75% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.75%▲ from 6.73%
  • Sep 27, 20266.73%▲ from 6.35%
  • Sep 22, 20266.35%▼ from 6.37%
  • Sep 18, 20266.37%▲ from 6.09%
The Equitable Bank, S.S.B.
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
15 Year Fixed Refinance
15 Year
6.75%
6.885%
▼
Rate6.75%
APR6.885%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
4 changes since Sep 16, 2026 · 6.63% → 6.89% ▲ 0.25 pts · high 7.01% / low 6.63%
6.13%6.82%7.51%Sep 16, 2026: 6.63% APRSep 24, 2026: 6.76% APRSep 28, 2026: 6.89% APROct 1, 2026: 7.01% APROct 3, 2026: 6.89% APRSep 16, 2026Oct 6, 2026
  • Oct 3, 20266.89%▼ from 7.01%
  • Oct 1, 20267.01%▲ from 6.89%
  • Sep 28, 20266.89%▲ from 6.76%
  • Sep 24, 20266.76%▲ from 6.63%
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Refinance: 15-Year Fixed Conventional
15-Year
6.88%
7.00%
▼
Rate6.88%
APR7.00%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
6.00%6.75%7.50%Sep 14, 2026: 6.50% APROct 1, 2026: 6.88% APROct 2, 2026: 7.00% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.00%▲ from 6.88%
  • Oct 1, 20266.88%▲ from 6.50%
  • Sep 14, 20266.50%first recorded
Taylor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
15-Year Fixed
15 Years
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.61% APR · checked 5 times
5.11%5.61%6.11%Sep 14, 2026: 5.61% APRSep 14, 2026Oct 6, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1st Mortgage: 15 Year Fixed
15 years
5.615%
5.66%
▼
Rate5.615%
APR5.66%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 5.40% → 5.66% ▲ 0.26 pts · high 5.66% / low 5.40%
4.90%5.53%6.16%Sep 16, 2026: 5.40% APROct 1, 2026: 5.66% APRSep 16, 2026Oct 6, 2026
  • Oct 1, 20265.66%▲ from 5.40%
  • Sep 16, 20265.40%first recorded
Winnebago Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
First Mortgage Loan - 15 Year Fixed
5.49%
5.678%
▼
Rate5.49%
APR5.678%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 5.68% APR · checked 2 times
5.18%5.68%6.18%Oct 1, 2026: 5.68% APROct 1, 2026Oct 6, 2026
Oakdale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Mortgages - 15 Year Fixed
180 months
5.75%
5.75%
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedOct 5, 2026
Details

First Mortgage - Primary Residence Only

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 6, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
15 year fixed rate
15 year
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 2, 2026
Details

As low as 6.000%

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 6, 2026
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
15 Year Fixed Rate
180 months
6.00%
6.109%
▼
Rate6.00%
APR6.109%
Points0.000
UpdatedOct 5, 2026
Details

For general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at [email protected] or by phone at 715 843-4663.

Rate History
No change since Oct 5, 2026 · 6.11% APR
5.61%6.11%6.61%Oct 5, 2026: 6.11% APROct 5, 2026Oct 6, 2026
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1st Mortgage - 15 Year Fixed Rate
180 months
6.00%
6.109%
▼
Rate6.00%
APR6.109%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 6.11% APR · checked 5 times
5.61%6.11%6.61%Sep 18, 2026: 6.11% APRSep 18, 2026Oct 6, 2026
Ripple Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Mortgage - 15 Year Fixed
15 Year
6.25%
6.25%
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Oct 1, 2026: 6.25% APROct 1, 2026Oct 6, 2026
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Fixed-Rate Mortgage - 15 Year Fixed
15 Year
6.125%
6.374%
▼
Rate6.125%
APR6.374%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 6.37% APR · checked 2 times
5.87%6.37%6.87%Oct 1, 2026: 6.37% APROct 1, 2026Oct 6, 2026
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
In-House Second Mortgage - 15 Year Fixed
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedOct 2, 2026
Details

Contact the credit union for details.

Rate History
1 change since Sep 18, 2026 · 5.50% → 6.50% ▲ 1.00 pts · high 6.50% / low 5.50%
4.50%6.00%7.50%Sep 18, 2026: 5.50% APROct 2, 2026: 6.50% APRSep 18, 2026Oct 6, 2026
  • Oct 2, 20266.50%▲ from 5.50%
  • Sep 18, 20265.50%first recorded
Ripco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
15 Year Fixed Mortgage
15 Year
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
No change since Oct 5, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 5, 2026: 6.50% APROct 5, 2026Oct 6, 2026
Ripco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
Mobile-friendly Comparison table of Mortgage Rates. - 15 Year Fixed
15 Year
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
5.75%6.38%7.00%Sep 14, 2026: 6.25% APRSep 22, 2026: 6.50% APRSep 14, 2026Oct 6, 2026
  • Sep 22, 20266.50%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
15 Year Fixed Rate Mortgage
15 Year
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedOct 2, 2026
Details

Get peace of mind with predictable monthly payments. Both traditional and short-term options available. As low as

Rate History
2 changes since Sep 14, 2026 · 6.13% → 6.50% ▲ 0.38 pts · high 6.50% / low 6.13%
5.63%6.31%7.00%Sep 14, 2026: 6.13% APRSep 18, 2026: 6.25% APRSep 27, 2026: 6.50% APRSep 14, 2026Oct 6, 2026
  • Sep 27, 20266.50%▲ from 6.25%
  • Sep 18, 20266.25%▲ from 6.13%
  • Sep 14, 20266.13%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15 Year Fixed Rate
15 Year
6.40%
6.506%
▼
Rate6.40%
APR6.506%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.26% → 6.51% ▲ 0.25 pts · high 6.51% / low 6.26%
5.76%6.38%7.01%Sep 14, 2026: 6.26% APROct 2, 2026: 6.51% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.51%▲ from 6.26%
  • Sep 14, 20266.26%first recorded
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Primary Home-First Mortgage - 15 Year Fixed
15 Year
6.50%
6.563%
▼
Rate6.50%
APR6.563%
Points0.000
UpdatedOct 2, 2026
Details

APR is based on <= 90% loan to value and include $399.00 in origination costs. For limited cash out refinance or purchase.

Rate History
No change since Sep 18, 2026 · 6.56% APR · checked 4 times
6.06%6.56%7.06%Sep 18, 2026: 6.56% APRSep 18, 2026Oct 6, 2026
N.E.W. Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Mortgages - 15 Year Fixed
15 Year
6.49%
6.574%
▼
Rate6.49%
APR6.574%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 5.57% → 6.57% ▲ 1.00 pts · high 6.57% / low 5.57%
4.57%6.07%7.58%Sep 16, 2026: 5.57% APROct 2, 2026: 6.57% APRSep 16, 2026Oct 6, 2026
  • Oct 2, 20266.57%▲ from 5.57%
  • Sep 16, 20265.57%first recorded
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
VA Mortgage Products - 15-year Fixed
15-year
6.50%
6.585%
▼
Rate6.50%
APR6.585%
Points0.000
UpdatedOct 2, 2026
Details

No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.

Rate History
3 changes since Sep 14, 2026 · 6.08% → 6.59% ▲ 0.50 pts · high 6.59% / low 6.08%
5.58%6.33%7.09%Sep 14, 2026: 6.08% APRSep 18, 2026: 6.21% APROct 1, 2026: 6.46% APROct 2, 2026: 6.59% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.59%▲ from 6.46%
  • Oct 1, 20266.46%▲ from 6.21%
  • Sep 18, 20266.21%▲ from 6.08%
  • Sep 14, 20266.08%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
15 Year Fixed Mortgage
6.35%
6.593%
▼
Rate6.35%
APR6.593%
Points0.000
UpdatedOct 2, 2026
Details

Minimum 15% down payment with no PMI (Private Mortgage Insurance) & may be amortized up to 15 years.

Rate History
No change since Sep 24, 2026 · 6.59% APR · checked 4 times
6.09%6.59%7.09%Sep 24, 2026: 6.59% APRSep 24, 2026Oct 6, 2026
Taylor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
15-Year Fixed
15 Years
6.50%
6.62%
▼
Rate6.50%
APR6.62%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.62% APR · checked 5 times
6.12%6.62%7.12%Sep 14, 2026: 6.62% APRSep 14, 2026Oct 6, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
15-year Fixed
6.625%
6.711%
▼
Rate6.625%
APR6.711%
Points0.000
UpdatedOct 2, 2026
Details

Minimum mortgage loan of $30,000. Minimum credit score 620. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Mortgage points, or discount points are a form of prepaid interest you can choose to pay up front in the exchange for a lower rate and monthly payment. One mortgage point is equal to about 1% of your loan amount.

Rate History
3 changes since Sep 14, 2026 · 6.21% → 6.71% ▲ 0.50 pts · high 6.71% / low 6.21%
5.71%6.46%7.21%Sep 14, 2026: 6.21% APRSep 18, 2026: 6.34% APROct 1, 2026: 6.59% APROct 2, 2026: 6.71% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.71%▲ from 6.59%
  • Oct 1, 20266.59%▲ from 6.34%
  • Sep 18, 20266.34%▲ from 6.21%
  • Sep 14, 20266.21%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
15-Year Fixed Rate
6.50%
6.716%
▼
Rate6.50%
APR6.716%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.21% → 6.72% ▲ 0.51 pts · high 6.72% / low 6.21%
5.69%6.46%7.23%Sep 14, 2026: 6.21% APRSep 18, 2026: 6.34% APRSep 22, 2026: 6.32% APRSep 27, 2026: 6.70% APROct 1, 2026: 6.61% APROct 2, 2026: 6.72% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.72%▲ from 6.61%
  • Oct 1, 20266.61%▼ from 6.70%
  • Sep 27, 20266.70%▲ from 6.32%
  • Sep 22, 20266.32%▼ from 6.34%
Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
15 Year Fixed
180 Months
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 6.20% → 6.75% ▲ 0.55 pts · high 6.75% / low 6.20%
5.65%6.48%7.30%Sep 14, 2026: 6.20% APRSep 26, 2026: 6.75% APRSep 14, 2026Oct 6, 2026
  • Sep 26, 20266.75%▲ from 6.20%
  • Sep 14, 20266.20%first recorded
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
15 Year Fixed
180 months
6.625%
6.753%
▼
Rate6.625%
APR6.753%
Points0.000
UpdatedOct 5, 2026
Details

Interest rates and APRs (Annual Percentage Rate) are effective as of 10/01/2025 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender.

Rate History
1 change since Sep 16, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25%
5.75%6.50%7.26%Sep 16, 2026: 6.25% APROct 5, 2026: 6.75% APRSep 16, 2026Oct 6, 2026
  • Oct 5, 20266.75%▲ from 6.25%
  • Sep 16, 20266.25%first recorded
Capitol Bank Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
15 Year Fixed Rate
6.75%
6.816%
▼
Rate6.75%
APR6.816%
Points0.000
UpdatedOct 3, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 780. At a 6.750% interest rate, the APR for this loan type is 6.816%. The payment schedule would be: 179 payments of $2,654.73 at an interest rate of 6.750%; 1 payment of $2,654.39 at an interest rate of 6.750%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Rate History
5 changes since Sep 15, 2026 · 6.57% → 6.82% ▲ 0.25 pts · high 6.94% / low 6.44%
5.94%6.69%7.44%Sep 15, 2026: 6.57% APRSep 19, 2026: 6.69% APRSep 24, 2026: 6.44% APRSep 27, 2026: 6.57% APROct 1, 2026: 6.94% APROct 3, 2026: 6.82% APRSep 15, 2026Oct 6, 2026
  • Oct 3, 20266.82%▼ from 6.94%
  • Oct 1, 20266.94%▲ from 6.57%
  • Sep 27, 20266.57%▲ from 6.44%
  • Sep 24, 20266.44%▼ from 6.69%
Bank of Prairie du Sac
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Year Fixed Rate
6.75%
6.825%
▼
Rate6.75%
APR6.825%
Points0.000
UpdatedOct 3, 2026
Details

Rates effective as of October 02, 2026.

Rate History
1 change since Sep 28, 2026 · 7.08% → 6.83% ▼ 0.25 pts · high 7.08% / low 6.83%
6.33%6.95%7.58%Sep 28, 2026: 7.08% APROct 3, 2026: 6.83% APRSep 28, 2026Oct 6, 2026
  • Oct 3, 20266.83%▼ from 7.08%
  • Sep 28, 20267.08%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
15 Year Fixed
15 Year
6.50%
6.828%
▼
Rate6.50%
APR6.828%
Points1.000
UpdatedOct 2, 2026
Details

as low as; Rate effective as of: 10/1/2026, as of 1:30 P.M.

Rate History
3 changes since Sep 14, 2026 · 6.43% → 6.83% ▲ 0.40 pts · high 6.83% / low 6.43%
5.93%6.63%7.33%Sep 14, 2026: 6.43% APRSep 18, 2026: 6.53% APRSep 22, 2026: 6.55% APROct 1, 2026: 6.83% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20266.83%▲ from 6.55%
  • Sep 22, 20266.55%▲ from 6.53%
  • Sep 18, 20266.53%▲ from 6.43%
  • Sep 14, 20266.43%first recorded
The Equitable Bank, S.S.B.
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
15 Year Fixed Purchase
15 Year
6.75%
6.885%
▼
Rate6.75%
APR6.885%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
5 changes since Sep 16, 2026 · 6.51% → 6.89% ▲ 0.38 pts · high 7.01% / low 6.51%
6.01%6.76%7.51%Sep 16, 2026: 6.51% APRSep 20, 2026: 6.63% APRSep 24, 2026: 6.76% APRSep 28, 2026: 6.89% APROct 1, 2026: 7.01% APROct 3, 2026: 6.89% APRSep 16, 2026Oct 6, 2026
  • Oct 3, 20266.89%▼ from 7.01%
  • Oct 1, 20267.01%▲ from 6.89%
  • Sep 28, 20266.89%▲ from 6.76%
  • Sep 24, 20266.76%▲ from 6.63%
Great Midwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Conventional Fixed Rate Mortgages - 15 YR Fixed
15 years
6.875%
6.90%
▼
Rate6.875%
APR6.90%
Points0.000
UpdatedOct 3, 2026
Details

The rate details shown assume the following: The property being purchased is located in Brookfield, Wisconsin and is a single family home to be used as a primary residence. The estimated value is $600,000, down payment is $180,000 and loan amount is $420,000. An escrow account may be required and, in that event, the actual monthly payment will also include an amount for real estate taxes. The standard rate lock period is 45 days and the assumed credit score is 780. Loan Amount: $420,000.00 Property Value: $600,000.00 Number of Payments: 179 Payment Amount: $3,745.79 Number of Payments: 1 Payment Amount: $3,745.54

Rate History
5 changes since Sep 15, 2026 · 6.59% → 6.90% ▲ 0.31 pts · high 7.04% / low 6.04%
5.04%6.54%8.05%Sep 15, 2026: 6.59% APRSep 19, 2026: 6.79% APRSep 24, 2026: 6.67% APRSep 27, 2026: 7.04% APROct 1, 2026: 6.04% APROct 3, 2026: 6.90% APRSep 15, 2026Oct 6, 2026
  • Oct 3, 20266.90%▲ from 6.04%
  • Oct 1, 20266.04%▼ from 7.04%
  • Sep 27, 20267.04%▲ from 6.67%
  • Sep 24, 20266.67%▼ from 6.79%
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
15-Year Fixed Service Released
6.875%
6.973%
▼
Rate6.875%
APR6.973%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
3 changes since Sep 16, 2026 · 6.48% → 6.97% ▲ 0.50 pts · high 6.97% / low 6.48%
5.98%6.73%7.47%Sep 16, 2026: 6.48% APRSep 24, 2026: 6.73% APRSep 28, 2026: 6.85% APROct 3, 2026: 6.97% APRSep 16, 2026Oct 6, 2026
  • Oct 3, 20266.97%▲ from 6.85%
  • Sep 28, 20266.85%▲ from 6.73%
  • Sep 24, 20266.73%▲ from 6.48%
  • Sep 16, 20266.48%first recorded
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Year Fixed Rate
15 Year
6.875%
6.973%
▼
Rate6.875%
APR6.973%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
3 changes since Sep 16, 2026 · 6.72% → 6.97% ▲ 0.25 pts · high 7.10% / low 6.72%
6.22%6.91%7.60%Sep 16, 2026: 6.72% APRSep 25, 2026: 6.85% APROct 1, 2026: 7.10% APROct 4, 2026: 6.97% APRSep 16, 2026Oct 6, 2026
  • Oct 4, 20266.97%▼ from 7.10%
  • Oct 1, 20267.10%▲ from 6.85%
  • Sep 25, 20266.85%▲ from 6.72%
  • Sep 16, 20266.72%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
15 Year Fixed Rate (Secondary Market)
15 Year
6.875%
6.982%
▼
Rate6.875%
APR6.982%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 6.36% → 6.98% ▲ 0.63 pts · high 6.98% / low 6.36%
5.73%6.67%7.61%Sep 14, 2026: 6.36% APRSep 18, 2026: 6.61% APRSep 26, 2026: 6.73% APROct 1, 2026: 6.98% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20266.98%▲ from 6.73%
  • Sep 26, 20266.73%▲ from 6.61%
  • Sep 18, 20266.61%▲ from 6.36%
  • Sep 14, 20266.36%first recorded
Marathon County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1st Mortgage Home Loan 15-Year Fixed Rate (70% LTV)
15 years
6.99%
6.99%
▼
Rate6.99%
APR6.99%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 6, 2026
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
Purchase: 15-Year Fixed Conventional
15-Year
6.88%
7.00%
▼
Rate6.88%
APR7.00%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
6.00%6.75%7.50%Sep 14, 2026: 6.50% APROct 1, 2026: 6.88% APROct 2, 2026: 7.00% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.00%▲ from 6.88%
  • Oct 1, 20266.88%▲ from 6.50%
  • Sep 14, 20266.50%first recorded
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
15-Year Fixed Rate
15-Year
7.00%
7.019%
▼
Rate7.00%
APR7.019%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 22, 2026 · 6.14% → 7.02% ▲ 0.88 pts · high 7.02% / low 6.14%
5.27%6.58%7.90%Sep 22, 2026: 6.14% APROct 5, 2026: 7.02% APRSep 22, 2026Oct 6, 2026
  • Oct 5, 20267.02%▲ from 6.14%
  • Sep 22, 20266.14%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
15 Year Fixed Mortgage
6.625%
7.063%
▼
Rate6.625%
APR7.063%
Points625.000
UpdatedOct 2, 2026
Details

Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount.

Rate History
No change since Oct 2, 2026 · 7.06% APR
6.56%7.06%7.56%Oct 2, 2026: 7.06% APROct 2, 2026Oct 6, 2026
Unison Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Home and Advantage Home Loans - 15 Year Fixed Rate Mortgage Loan
15 Year
7.00%
7.063%
▼
Rate7.00%
APR7.063%
Points0.000
UpdatedOct 5, 2026
Details

Rates as Low as*

Rate History
2 changes since Sep 18, 2026 · 6.56% → 7.06% ▲ 0.50 pts · high 7.06% / low 6.56%
6.06%6.81%7.56%Sep 18, 2026: 6.56% APRSep 26, 2026: 6.94% APROct 1, 2026: 7.06% APRSep 18, 2026Oct 6, 2026
  • Oct 1, 20267.06%▲ from 6.94%
  • Sep 26, 20266.94%▲ from 6.56%
  • Sep 18, 20266.56%first recorded
Guardian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
15 Year Fixed Rate Mortgage
15 Year
7.00%
7.065%
▼
Rate7.00%
APR7.065%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.56% → 7.07% ▲ 0.50 pts · high 7.07% / low 6.56%
6.06%6.81%7.57%Sep 14, 2026: 6.56% APRSep 22, 2026: 6.69% APROct 2, 2026: 7.07% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.07%▲ from 6.69%
  • Sep 22, 20266.69%▲ from 6.56%
  • Sep 14, 20266.56%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
15 Year Fixed Rate
15 Year
7.00%
7.081%
▼
Rate7.00%
APR7.081%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.58% → 7.08% ▲ 0.50 pts · high 7.08% / low 6.58%
6.08%6.83%7.58%Sep 14, 2026: 6.58% APRSep 18, 2026: 6.71% APRSep 26, 2026: 7.08% APRSep 14, 2026Oct 6, 2026
  • Sep 26, 20267.08%▲ from 6.71%
  • Sep 18, 20266.71%▲ from 6.58%
  • Sep 14, 20266.58%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
15 Year Fixed Mortgage
6.875%
7.087%
▼
Rate6.875%
APR7.087%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 24, 2026 · 6.59% → 7.09% ▲ 0.49 pts · high 7.09% / low 6.59%
6.09%6.84%7.59%Sep 24, 2026: 6.59% APRSep 27, 2026: 7.09% APROct 1, 2026: 7.09% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20267.09%▼ from 7.09%
  • Sep 27, 20267.09%▲ from 6.59%
  • Sep 24, 20266.59%first recorded
Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
15 Year Fixed
15 Year
7.00%
7.096%
▼
Rate7.00%
APR7.096%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Oct 3, 2026 · 7.10% APR
6.60%7.10%7.60%Oct 3, 2026: 7.10% APROct 3, 2026Oct 6, 2026
Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Home Mortgage - 15 Year Fixed
15 Year
7.00%
7.096%
▼
Rate7.00%
APR7.096%
Points0.000
UpdatedOct 3, 2026
Details

180 payments of $1,348.24 at an interest rate of 7.000%

Rate History
1 change since Sep 24, 2026 · 6.72% → 7.10% ▲ 0.38 pts · high 7.10% / low 6.72%
6.22%6.91%7.60%Sep 24, 2026: 6.72% APRSep 28, 2026: 7.10% APRSep 24, 2026Oct 6, 2026
  • Sep 28, 20267.10%▲ from 6.72%
  • Sep 24, 20266.72%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
15 Year Fixed Rate
15 Year
7.00%
7.101%
▼
Rate7.00%
APR7.101%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 6.60% → 7.10% ▲ 0.50 pts · high 7.10% / low 6.60%
6.10%6.85%7.60%Sep 14, 2026: 6.60% APRSep 18, 2026: 6.73% APROct 1, 2026: 6.98% APROct 2, 2026: 7.10% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.10%▲ from 6.98%
  • Oct 1, 20266.98%▲ from 6.73%
  • Sep 18, 20266.73%▲ from 6.60%
  • Sep 14, 20266.60%first recorded
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Construction Loan 15 Year Fixed
15 Years
7.00%
7.105%
▼
Rate7.00%
APR7.105%
Points0.000
UpdatedOct 5, 2026
Details

As low as; rate/APR reflect a discount for an active Fox checking account with direct deposit

Rate History
No change since Oct 5, 2026 · 7.11% APR
6.61%7.11%7.61%Oct 5, 2026: 7.11% APROct 5, 2026Oct 6, 2026
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Conventional 15 Year Fixed
15 Year
7.00%
7.108%
▼
Rate7.00%
APR7.108%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 24, 2026 · 6.86% → 7.11% ▲ 0.25 pts · high 7.11% / low 6.86%
6.36%6.98%7.61%Sep 24, 2026: 6.86% APRSep 27, 2026: 6.98% APROct 1, 2026: 7.11% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20267.11%▲ from 6.98%
  • Sep 27, 20266.98%▲ from 6.86%
  • Sep 24, 20266.86%first recorded
Heartland Credit Union Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
15 Year Fixed
7.118%
7.118%
▼
Rate7.118%
APR7.118%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.12% APR
6.62%7.12%7.62%Oct 2, 2026: 7.12% APROct 2, 2026Oct 6, 2026
Heartland Credit Union Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Private Mortgage Insurance Rate% - 15 Year Fixed
7.118%
7.118%
▼
Rate7.118%
APR7.118%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Oct 1, 2026 · 6.99% → 7.12% ▲ 0.13 pts · high 7.12% / low 6.99%
6.49%7.06%7.62%Oct 1, 2026: 6.99% APROct 2, 2026: 7.12% APROct 1, 2026Oct 6, 2026
  • Oct 2, 20267.12%▲ from 6.99%
  • Oct 1, 20266.99%first recorded

Hartford 5/1 ARM Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Mortgage Loans (Refinance) - 5/6 ARM Refinance
5/6 ARM
6.125%
6.73%
▼
Rate6.125%
APR6.73%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.30% → 6.73% ▲ 0.43 pts · high 6.73% / low 6.30%
5.80%6.52%7.23%Sep 14, 2026: 6.30% APRSep 18, 2026: 6.53% APRSep 22, 2026: 6.39% APRSep 27, 2026: 6.63% APROct 2, 2026: 6.73% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.73%▲ from 6.63%
  • Sep 27, 20266.63%▲ from 6.39%
  • Sep 22, 20266.39%▼ from 6.53%
  • Sep 18, 20266.53%▲ from 6.30%
Fond Du Lac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
First Mortgage - 5/1 Year ARM
5/1 Year ARM
5.50%
5.86%
▼
Rate5.50%
APR5.86%
Points0.000
UpdatedOct 5, 2026
Details

ARM is Adjustable Rate Mortgage. First Mortgage ARM's are amortized over up to 30 years. Loan rates, mortgage product, and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate and mortgage product with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. First lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.

Rate History
No change since Sep 14, 2026 · 5.86% APR · checked 7 times
5.36%5.86%6.36%Sep 14, 2026: 5.86% APRSep 14, 2026Oct 6, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
5/1 Adjustable-Rate Mortgage (ARM)
5/1 Year ARM
6.125%
6.125%
▼
Rate6.125%
APR6.125%
Points0.000
UpdatedOct 2, 2026
Details

Enjoy a low initial rate that adjusts with the market. Various terms and options available. As low as

Rate History
2 changes since Sep 14, 2026 · 5.50% → 6.13% ▲ 0.63 pts · high 6.13% / low 5.50%
4.88%5.81%6.75%Sep 14, 2026: 5.50% APRSep 18, 2026: 5.63% APROct 1, 2026: 6.13% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20266.13%▲ from 5.63%
  • Sep 18, 20265.63%▲ from 5.50%
  • Sep 14, 20265.50%first recorded
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
5/1 ARM - Fixed for 5 years
6.25%
6.25%
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 2, 2026: 6.25% APROct 2, 2026Oct 6, 2026
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Adjustable Rate Mortgage (ARM) - 5/1 ARM
5/1 ARM
5.875%
6.544%
▼
Rate5.875%
APR6.544%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 6.54% APR · checked 2 times
6.04%6.54%7.04%Oct 1, 2026: 6.54% APROct 1, 2026Oct 6, 2026
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1st Mortgage - 5/1 ARM
360 months
6.125%
6.568%
▼
Rate6.125%
APR6.568%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 6.27% → 6.57% ▲ 0.30 pts · high 6.57% / low 6.27%
5.77%6.42%7.07%Sep 18, 2026: 6.27% APROct 1, 2026: 6.57% APRSep 18, 2026Oct 6, 2026
  • Oct 1, 20266.57%▲ from 6.27%
  • Sep 18, 20266.27%first recorded
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
5/1 ARM
360 months
6.125%
6.568%
▼
Rate6.125%
APR6.568%
Points0.000
UpdatedOct 5, 2026
Details

For general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at [email protected] or by phone at 715 843-4663.

Rate History
No change since Oct 5, 2026 · 6.57% APR
6.07%6.57%7.07%Oct 5, 2026: 6.57% APROct 5, 2026Oct 6, 2026
Bank of Prairie du Sac
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5/6-month SOFR ARM
6.125%
6.628%
▼
Rate6.125%
APR6.628%
Points0.000
UpdatedOct 3, 2026
Details

Rates effective as of October 02, 2026.

Rate History
1 change since Sep 24, 2026 · 6.58% → 6.63% ▲ 0.05 pts · high 6.63% / low 6.58%
6.08%6.60%7.13%Sep 24, 2026: 6.58% APROct 1, 2026: 6.63% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20266.63%▲ from 6.58%
  • Sep 24, 20266.58%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Mortgage Loans (Purchase) - 5/6 ARM Conforming
6.00%
6.629%
▼
Rate6.00%
APR6.629%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 6.63% / low 6.30%
5.80%6.46%7.13%Sep 14, 2026: 6.38% APRSep 18, 2026: 6.45% APRSep 22, 2026: 6.30% APRSep 27, 2026: 6.54% APROct 1, 2026: 6.56% APROct 2, 2026: 6.63% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.63%▲ from 6.56%
  • Oct 1, 20266.56%▲ from 6.54%
  • Sep 27, 20266.54%▲ from 6.30%
  • Sep 22, 20266.30%▼ from 6.45%
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Construction Loan 5/1 ARM
6.375%
6.656%
▼
Rate6.375%
APR6.656%
Points0.000
UpdatedOct 5, 2026
Details

As low as; rate/APR reflect a discount for an active Fox checking account with direct deposit

Rate History
No change since Oct 5, 2026 · 6.66% APR
6.16%6.66%7.16%Oct 5, 2026: 6.66% APROct 5, 2026Oct 6, 2026
Fond Du Lac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Second Mortgage - 5/1 Year ARM
5/1 Year ARM
6.50%
6.689%
▼
Rate6.50%
APR6.689%
Points0.000
UpdatedOct 5, 2026
Details

ARM is Adjustable Rate Mortgage. Second Mortgage ARM's are amortized over up to 15 years. Loan rates, mortgage product, and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate and mortgage product with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. Second lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.

Rate History
No change since Sep 14, 2026 · 6.69% APR · checked 7 times
6.19%6.69%7.19%Sep 14, 2026: 6.69% APRSep 14, 2026Oct 6, 2026
Ripco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
5/1 ARM Mortgage
5/1 ARM
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
No change since Oct 5, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 5, 2026: 6.75% APROct 5, 2026Oct 6, 2026
Ripco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
Mobile-friendly Comparison table of Mortgage Rates. - 5/1 ARM
5/1 ARM
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25%
5.75%6.50%7.25%Sep 14, 2026: 6.25% APRSep 18, 2026: 6.50% APROct 5, 2026: 6.75% APRSep 14, 2026Oct 6, 2026
  • Oct 5, 20266.75%▲ from 6.50%
  • Sep 18, 20266.50%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Community Heroes Home - 5/5 ARM
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 2, 2026
Details

PMI required over 80% LTV. 99% LTV. 30-year amortization. Minimum credit score 740+. Occupation restrictions apply. No closing costs. APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty. Single family owner occupied homes only. Contact us for more information about investment properties or non-owner occupied homes.

Rate History
3 changes since Sep 14, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25%
5.75%6.50%7.25%Sep 14, 2026: 6.25% APRSep 18, 2026: 6.38% APROct 1, 2026: 6.63% APROct 2, 2026: 6.75% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.75%▲ from 6.63%
  • Oct 1, 20266.63%▲ from 6.38%
  • Sep 18, 20266.38%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Lot Loans - 5/1 ARM
5.875%
6.793%
▼
Rate5.875%
APR6.793%
Points0.000
UpdatedOct 2, 2026
Details

As low as

Rate History
2 changes since Sep 18, 2026 · 6.61% → 6.79% ▲ 0.18 pts · high 6.79% / low 6.61%
6.11%6.70%7.29%Sep 18, 2026: 6.61% APRSep 22, 2026: 6.73% APROct 1, 2026: 6.79% APRSep 18, 2026Oct 6, 2026
  • Oct 1, 20266.79%▲ from 6.73%
  • Sep 22, 20266.73%▲ from 6.61%
  • Sep 18, 20266.61%first recorded
Marathon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Mortgage Loans - 5/1 ARM Mortgage
5 years
6.75%
6.859%
▼
Rate6.75%
APR6.859%
Points0.000
UpdatedOct 3, 2026
Details

Term: 5/1 ARM (30 Year Amortization); Amortization: 30 Year*

Rate History
No change since Sep 27, 2026 · 6.86% APR · checked 3 times
6.36%6.86%7.36%Sep 27, 2026: 6.86% APRSep 27, 2026Oct 6, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
First-Time Homebuyers Programs with No Closing Costs - 5/5 ARM
6.875%
6.875%
▼
Rate6.875%
APR6.875%
Points0.000
UpdatedOct 2, 2026
Details

Maximum second mortgage 5% LTV; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.

Rate History
3 changes since Sep 14, 2026 · 6.38% → 6.88% ▲ 0.50 pts · high 6.88% / low 6.38%
5.88%6.63%7.38%Sep 14, 2026: 6.38% APRSep 18, 2026: 6.50% APRSep 22, 2026: 6.63% APROct 1, 2026: 6.88% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20266.88%▲ from 6.63%
  • Sep 22, 20266.63%▲ from 6.50%
  • Sep 18, 20266.50%▲ from 6.38%
  • Sep 14, 20266.38%first recorded
Capitol Bank Madison, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Residential 5/1 Portfolio T-Bill ARM
6.00%
6.931%
▼
Rate6.00%
APR6.931%
Points0.000
UpdatedOct 3, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 780. At a 6.000% initial interest rate, the APR for this loan type is 6.931%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $1,798.65 at an interest rate of 6.000%; 299 payments of $2,062.99 at an interest rate of 7.500%; 1 payment of $2,063.32 at an interest rate of 7.500%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Rate History
3 changes since Sep 15, 2026 · 6.71% → 6.93% ▲ 0.22 pts · high 6.93% / low 6.71%
6.21%6.82%7.43%Sep 15, 2026: 6.71% APRSep 19, 2026: 6.79% APRSep 24, 2026: 6.86% APROct 1, 2026: 6.93% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20266.93%▲ from 6.86%
  • Sep 24, 20266.86%▲ from 6.79%
  • Sep 19, 20266.79%▲ from 6.71%
  • Sep 15, 20266.71%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5/1 ARM Mortgage
6.375%
6.936%
▼
Rate6.375%
APR6.936%
Points0.000
UpdatedOct 2, 2026
Details

Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Payment Examples Payments are based upon a purchase transaction with a loan-to-value of 70%, 1-unit primary residence, and a credit score of 760 or higher. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation. 5/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first five years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 5 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap.

Rate History
1 change since Sep 14, 2026 · 6.51% → 6.94% ▲ 0.42 pts · high 6.94% / low 6.51%
6.01%6.72%7.44%Sep 14, 2026: 6.51% APROct 2, 2026: 6.94% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.94%▲ from 6.51%
  • Sep 14, 20266.51%first recorded
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
First-Time Homebuyers Programs with No Closing Costs - 5/5 ARM
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedOct 2, 2026
Details

Maximum second mortgage 7% LTV; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.

Rate History
3 changes since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
6.00%6.75%7.50%Sep 14, 2026: 6.50% APRSep 18, 2026: 6.63% APROct 1, 2026: 6.88% APROct 2, 2026: 7.00% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.00%▲ from 6.88%
  • Oct 1, 20266.88%▲ from 6.63%
  • Sep 18, 20266.63%▲ from 6.50%
  • Sep 14, 20266.50%first recorded
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5/6mo SOFR ARM Purchase
5/6mo
7.00%
7.012%
▼
Rate7.00%
APR7.012%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 6.76% → 7.01% ▲ 0.25 pts · high 7.01% / low 6.76%
6.26%6.89%7.51%Sep 15, 2026: 6.76% APRSep 27, 2026: 7.01% APRSep 15, 2026Oct 6, 2026
  • Sep 27, 20267.01%▲ from 6.76%
  • Sep 15, 20266.76%first recorded
Kohler Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
5/1 ARM
5/1 ARM
6.35%
7.022%
▼
Rate6.35%
APR7.022%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 6.53% → 7.02% ▲ 0.50 pts · high 7.02% / low 6.53%
6.03%6.77%7.52%Sep 18, 2026: 6.53% APROct 2, 2026: 7.02% APRSep 18, 2026Oct 6, 2026
  • Oct 2, 20267.02%▲ from 6.53%
  • Sep 18, 20266.53%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
5/1 Year ARM
5/1 Year ARM
6.125%
7.068%
▼
Rate6.125%
APR7.068%
Points1.000
UpdatedOct 2, 2026
Details

as low as; Rate effective as of: 10/1/2026, as of 1:30 P.M.

Rate History
1 change since Sep 18, 2026 · 6.78% → 7.07% ▲ 0.29 pts · high 7.07% / low 6.78%
6.28%6.92%7.57%Sep 18, 2026: 6.78% APROct 2, 2026: 7.07% APRSep 18, 2026Oct 6, 2026
  • Oct 2, 20267.07%▲ from 6.78%
  • Sep 18, 20266.78%first recorded
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Construction 5/1 Adjustable Rate Service Retained Loan
6.50%
7.135%
▼
Rate6.50%
APR7.135%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
3 changes since Sep 16, 2026 · 6.92% → 7.14% ▲ 0.22 pts · high 7.14% / low 6.92%
6.42%7.03%7.64%Sep 16, 2026: 6.92% APRSep 24, 2026: 7.09% APROct 1, 2026: 7.13% APROct 3, 2026: 7.14% APRSep 16, 2026Oct 6, 2026
  • Oct 3, 20267.14%▲ from 7.13%
  • Oct 1, 20267.13%▲ from 7.09%
  • Sep 24, 20267.09%▲ from 6.92%
  • Sep 16, 20266.92%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Mortgage - 5/1 ARM
5/1 ARM
6.20%
7.201%
▼
Rate6.20%
APR7.201%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 26, 2026 · 7.20% APR · checked 4 times
6.70%7.20%7.70%Sep 26, 2026: 7.20% APRSep 26, 2026Oct 6, 2026
Citizens Bank Mukwonago, WI
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5/1 Year ARM
5 Years
6.75%
7.246%
▼
Rate6.75%
APR7.246%
Points0.000
UpdatedOct 2, 2026
Details

First Adjusted Rate: 7.250% (thereafter variable)

Rate History
3 changes since Sep 15, 2026 · 6.82% → 7.25% ▲ 0.43 pts · high 7.25% / low 6.82%
6.32%7.03%7.75%Sep 15, 2026: 6.82% APRSep 24, 2026: 7.07% APRSep 27, 2026: 7.17% APROct 1, 2026: 7.25% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20267.25%▲ from 7.17%
  • Sep 27, 20267.17%▲ from 7.07%
  • Sep 24, 20267.07%▲ from 6.82%
  • Sep 15, 20266.82%first recorded
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
WESTconsin 5/6 mo. ARM
7.143%
7.25%
▼
Rate7.143%
APR7.25%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 14, 2026: 7.00% APROct 1, 2026: 7.25% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.25%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
State Bank of Chilton
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5/1 Adjustable-Rate Mortgage
6.50%
7.274%
▼
Rate6.50%
APR7.274%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 7.22% → 7.27% ▲ 0.05 pts · high 7.27% / low 7.22%
6.72%7.25%7.77%Sep 16, 2026: 7.22% APROct 1, 2026: 7.27% APRSep 16, 2026Oct 6, 2026
  • Oct 1, 20267.27%▲ from 7.22%
  • Sep 16, 20267.22%first recorded
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Vacant Land 5/6 mo. ARM
7.75%
8.02%
▼
Rate7.75%
APR8.02%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 7.84% → 8.02% ▲ 0.18 pts · high 8.02% / low 7.84%
7.34%7.93%8.52%Sep 14, 2026: 7.84% APRSep 18, 2026: 7.84% APROct 1, 2026: 8.02% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20268.02%▲ from 7.84%
  • Sep 18, 20267.84%▼ from 7.84%
  • Sep 14, 20267.84%first recorded
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
First-Time Homebuyers Programs with No Closing Costs - 5/5 ARM
8.875%
8.875%
▼
Rate8.875%
APR8.875%
Points0.000
UpdatedOct 2, 2026
Details

SECOND MORTGAGE; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.

Rate History
No change since Sep 14, 2026 · 8.88% APR · checked 5 times
8.38%8.88%9.38%Sep 14, 2026: 8.88% APRSep 14, 2026Oct 6, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
First-Time Homebuyers Programs with No Closing Costs - 5/5 ARM
9.125%
9.125%
▼
Rate9.125%
APR9.125%
Points0.000
UpdatedOct 2, 2026
Details

Maximum second mortgage 7% LTV; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.

Rate History
No change since Sep 14, 2026 · 9.13% APR · checked 5 times
8.63%9.13%9.63%Sep 14, 2026: 9.13% APRSep 14, 2026Oct 6, 2026

Hartford 30-Year Jumbo Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1472 E Sumner St, Hartford, WI, 53027
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 years
6.75%
7.147%
▼
Rate6.75%
APR7.147%
Points0.755
UpdatedOct 4, 2026
Details

ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.

Rate History
No change since Oct 4, 2026 · 7.15% APR
6.65%7.15%7.65%Oct 4, 2026: 7.15% APROct 4, 2026Oct 6, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1472 E Sumner St, Hartford, WI, 53027
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 years
7.00%
7.259%
▼
Rate7.00%
APR7.259%
Points0.910
UpdatedOct 4, 2026
Details

ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.

Rate History
No change since Oct 4, 2026 · 7.26% APR
6.76%7.26%7.76%Oct 4, 2026: 7.26% APROct 4, 2026Oct 6, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1472 E Sumner St, Hartford, WI, 53027
Jumbo loans 30-year
30-year
7.375%
7.552%
▼
Rate7.375%
APR7.552%
Points0.860
UpdatedOct 4, 2026
Details

The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

Rate History
No change since Oct 4, 2026 · 7.55% APR
7.05%7.55%8.05%Oct 4, 2026: 7.55% APROct 4, 2026Oct 6, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1472 E Sumner St, Hartford, WI, 53027
Jumbo loans 20-year
20-year
7.375%
7.578%
▼
Rate7.375%
APR7.578%
Points0.665
UpdatedOct 4, 2026
Details

The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

Rate History
No change since Oct 4, 2026 · 7.58% APR
7.08%7.58%8.08%Oct 4, 2026: 7.58% APROct 4, 2026Oct 6, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Jumbo Mortgage - 6 Year Balloon
6 Year
5.24%
5.28%
▼
Rate5.24%
APR5.28%
Points0.000
UpdatedOct 2, 2026
Details

Jumbo Mortgages (Greater than $832,750)

Rate History
No change since Sep 14, 2026 · 5.28% APR · checked 4 times
4.78%5.28%5.78%Sep 14, 2026: 5.28% APRSep 14, 2026Oct 6, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Jumbo Mortgage - 7/1 ARM
7/1 ARM
5.625%
6.377%
▼
Rate5.625%
APR6.377%
Points0.000
UpdatedOct 2, 2026
Details

Jumbo Mortgages (Greater than $832,750)

Rate History
2 changes since Sep 14, 2026 · 6.20% → 6.38% ▲ 0.18 pts · high 6.38% / low 6.20%
5.70%6.29%6.88%Sep 14, 2026: 6.20% APRSep 22, 2026: 6.32% APROct 1, 2026: 6.38% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20266.38%▲ from 6.32%
  • Sep 22, 20266.32%▲ from 6.20%
  • Sep 14, 20266.20%first recorded
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
5 Year ARM Jumbo
6.50%
7.03%
▼
Rate6.50%
APR7.03%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
2 changes since Sep 24, 2026 · 6.98% → 7.03% ▲ 0.05 pts · high 7.03% / low 6.98%
6.48%7.00%7.53%Sep 24, 2026: 6.98% APROct 1, 2026: 7.03% APROct 3, 2026: 7.03% APRSep 24, 2026Oct 6, 2026
  • Oct 3, 20267.03%▲ from 7.03%
  • Oct 1, 20267.03%▲ from 6.98%
  • Sep 24, 20266.98%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Jumbo Loan
Jumbo 30 Year Fixed
7.125%
7.125%
▼
Rate7.125%
APR7.125%
Points0.000
UpdatedOct 2, 2026
Details

Finance higher-priced homes without a large down payment or multiple mortgages. As low as

Rate History
2 changes since Sep 14, 2026 · 6.63% → 7.13% ▲ 0.50 pts · high 7.13% / low 6.63%
6.13%6.88%7.63%Sep 14, 2026: 6.63% APRSep 18, 2026: 6.88% APROct 1, 2026: 7.13% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.13%▲ from 6.88%
  • Sep 18, 20266.88%▲ from 6.63%
  • Sep 14, 20266.63%first recorded
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo 30 Year Loan
Jumbo 30 Year
7.25%
7.262%
▼
Rate7.25%
APR7.262%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 7.26% APR · checked 2 times
6.76%7.26%7.76%Oct 1, 2026: 7.26% APROct 1, 2026Oct 6, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo 30 Yr Purchase Loan
30 years
7.25%
7.262%
▼
Rate7.25%
APR7.262%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 7.01% → 7.26% ▲ 0.25 pts · high 7.26% / low 7.01%
6.51%7.14%7.76%Sep 15, 2026: 7.01% APRSep 27, 2026: 7.26% APRSep 15, 2026Oct 6, 2026
  • Sep 27, 20267.26%▲ from 7.01%
  • Sep 15, 20267.01%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Jumbo 30 Year Fixed
Jumbo 30 Year Fixed
7.125%
7.272%
▼
Rate7.125%
APR7.272%
Points1.000
UpdatedOct 2, 2026
Details

as low as; Rate effective as of: 10/1/2026, as of 1:30 P.M.

Rate History
1 change since Sep 18, 2026 · 7.02% → 7.27% ▲ 0.25 pts · high 7.27% / low 7.02%
6.52%7.15%7.77%Sep 18, 2026: 7.02% APROct 2, 2026: 7.27% APRSep 18, 2026Oct 6, 2026
  • Oct 2, 20267.27%▲ from 7.02%
  • Sep 18, 20267.02%first recorded
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Jumbo 30 Year Fixed
Jumbo 30 Year Fixed
7.625%
7.652%
▼
Rate7.625%
APR7.652%
Points0.000
UpdatedOct 2, 2026
Details

Terms and Conditions for Jumbo 30 Year Fixed

Rate History
2 changes since Sep 15, 2026 · 7.15% → 7.65% ▲ 0.50 pts · high 7.65% / low 7.15%
6.65%7.40%8.15%Sep 15, 2026: 7.15% APRSep 24, 2026: 7.53% APROct 2, 2026: 7.65% APRSep 15, 2026Oct 6, 2026
  • Oct 2, 20267.65%▲ from 7.53%
  • Sep 24, 20267.53%▲ from 7.15%
  • Sep 15, 20267.15%first recorded

Hartford 15-Year Jumbo Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1472 E Sumner St, Hartford, WI, 53027
Jumbo loans 15-year
15-year
7.125%
7.392%
▼
Rate7.125%
APR7.392%
Points0.775
UpdatedOct 4, 2026
Details

The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

Rate History
No change since Oct 4, 2026 · 7.39% APR
6.89%7.39%7.89%Oct 4, 2026: 7.39% APROct 4, 2026Oct 6, 2026

Hartford 5/1 Jumbo ARM Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1472 E Sumner St, Hartford, WI, 53027
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 years
6.625%
7.144%
▼
Rate6.625%
APR7.144%
Points0.635
UpdatedOct 4, 2026
Details

ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.

Rate History
No change since Oct 4, 2026 · 7.14% APR
6.64%7.14%7.64%Oct 4, 2026: 7.14% APROct 4, 2026Oct 6, 2026

Hartford FHA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
1594 E Sumner St, Hartford, WI, 53027
FHA Mortgages - 30 Year FHA
7.125%
8.002%
▼
Rate7.125%
APR8.002%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 7.36% → 8.00% ▲ 0.64 pts · high 8.00% / low 7.36%
6.72%7.68%8.64%Sep 14, 2026: 7.36% APRSep 18, 2026: 7.49% APRSep 24, 2026: 7.62% APRSep 27, 2026: 7.87% APROct 1, 2026: 8.00% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20268.00%▲ from 7.87%
  • Sep 27, 20267.87%▲ from 7.62%
  • Sep 24, 20267.62%▲ from 7.49%
  • Sep 18, 20267.49%▲ from 7.36%
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1472 E Sumner St, Hartford, WI, 53027
Federal Housing Administration (FHA) loans 30-year
30-year
7.75%
8.71%
▼
Rate7.75%
APR8.71%
Points1.176
UpdatedOct 4, 2026
Details

The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

Rate History
No change since Oct 4, 2026 · 8.71% APR
8.21%8.71%9.21%Oct 4, 2026: 8.71% APROct 4, 2026Oct 6, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
FHA Mortgage
15 Year
6.875%
6.875%
▼
Rate6.875%
APR6.875%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 6.88% APR · checked 4 times
6.38%6.88%7.38%Sep 18, 2026: 6.88% APRSep 18, 2026Oct 6, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
FHA Mortgage
30 Year
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedOct 5, 2026
Details

Published APR range: 7.000% / 7.778%.

Rate History
4 changes since Sep 18, 2026 · 7.55% → 7.00% ▼ 0.55 pts · high 7.55% / low 6.88%
6.20%7.21%8.22%Sep 18, 2026: 7.55% APRSep 25, 2026: 6.88% APRSep 29, 2026: 7.00% APROct 2, 2026: 6.88% APROct 5, 2026: 7.00% APRSep 18, 2026Oct 6, 2026
  • Oct 5, 20267.00%▲ from 6.88%
  • Oct 2, 20266.88%▼ from 7.00%
  • Sep 29, 20267.00%▲ from 6.88%
  • Sep 25, 20266.88%▼ from 7.55%
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
FHA 30-Year Fixed
7.00%
7.292%
▼
Rate7.00%
APR7.292%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.65% → 7.29% ▲ 0.65 pts · high 7.29% / low 6.65%
6.00%6.97%7.94%Sep 14, 2026: 6.65% APRSep 18, 2026: 6.66% APRSep 22, 2026: 6.76% APRSep 27, 2026: 7.20% APROct 1, 2026: 7.17% APROct 2, 2026: 7.29% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.29%▲ from 7.17%
  • Oct 1, 20267.17%▼ from 7.20%
  • Sep 27, 20267.20%▲ from 6.76%
  • Sep 22, 20266.76%▲ from 6.66%
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
30 Year Fixed Rate Mortgage - FHA
30 Year
7.25%
7.666%
▼
Rate7.25%
APR7.666%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 27, 2026 · 8.18% → 7.67% ▼ 0.51 pts · high 8.18% / low 7.67%
7.15%7.92%8.69%Sep 27, 2026: 8.18% APROct 1, 2026: 7.67% APRSep 27, 2026Oct 6, 2026
  • Oct 1, 20267.67%▼ from 8.18%
  • Sep 27, 20268.18%first recorded
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
FHA 30 Year Fixed
FHA 30 Year Fixed
6.99%
7.793%
▼
Rate6.99%
APR7.793%
Points0.000
UpdatedOct 2, 2026
Details

Terms and Conditions for FHA 30 Year Fixed

Rate History
No change since Sep 27, 2026 · 7.79% APR · checked 2 times
7.29%7.79%8.29%Sep 27, 2026: 7.79% APRSep 27, 2026Oct 6, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
FHA 30 Yr Purchase Loan
30 years
7.25%
9.565%
▼
Rate7.25%
APR9.565%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 15, 2026 · 8.96% → 9.57% ▲ 0.60 pts · high 9.57% / low 8.96%
8.36%9.26%10.17%Sep 15, 2026: 8.96% APRSep 24, 2026: 9.26% APRSep 27, 2026: 9.57% APRSep 15, 2026Oct 6, 2026
  • Sep 27, 20269.57%▲ from 9.26%
  • Sep 24, 20269.26%▲ from 8.96%
  • Sep 15, 20268.96%first recorded
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Current Mortgage - FHA 30 Year
FHA 30 Year
7.25%
9.569%
▼
Rate7.25%
APR9.569%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 9.57% APR · checked 2 times
9.07%9.57%10.07%Oct 1, 2026: 9.57% APROct 1, 2026Oct 6, 2026

Hartford VA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
1594 E Sumner St, Hartford, WI, 53027
VA Mortgages - 30 Year VA
7.125%
7.449%
▼
Rate7.125%
APR7.449%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.81% → 7.45% ▲ 0.64 pts · high 7.45% / low 6.81%
6.17%7.13%8.09%Sep 14, 2026: 6.81% APRSep 18, 2026: 6.94% APRSep 24, 2026: 7.07% APRSep 27, 2026: 7.32% APROct 1, 2026: 7.45% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.45%▲ from 7.32%
  • Sep 27, 20267.32%▲ from 7.07%
  • Sep 24, 20267.07%▲ from 6.94%
  • Sep 18, 20266.94%▲ from 6.81%
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1472 E Sumner St, Hartford, WI, 53027
Veterans Affairs (VA) loans 30-year
30-year
7.125%
7.508%
▼
Rate7.125%
APR7.508%
Points0.751
UpdatedOct 4, 2026
Details

The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

Rate History
No change since Oct 4, 2026 · 7.51% APR
7.01%7.51%8.01%Oct 4, 2026: 7.51% APROct 4, 2026Oct 6, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Refinance - VA 30 Year Loan
VA 30 Year
7.25%
7.541%
▼
Rate7.25%
APR7.541%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 7.54% APR · checked 2 times
7.04%7.54%8.04%Oct 1, 2026: 7.54% APROct 1, 2026Oct 6, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
VA Mortgage Products - 15-year Fixed
15-year
6.50%
6.585%
▼
Rate6.50%
APR6.585%
Points0.000
UpdatedOct 2, 2026
Details

No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.

Rate History
3 changes since Sep 14, 2026 · 6.08% → 6.59% ▲ 0.50 pts · high 6.59% / low 6.08%
5.58%6.33%7.09%Sep 14, 2026: 6.08% APRSep 18, 2026: 6.21% APROct 1, 2026: 6.46% APROct 2, 2026: 6.59% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.59%▲ from 6.46%
  • Oct 1, 20266.46%▲ from 6.21%
  • Sep 18, 20266.21%▲ from 6.08%
  • Sep 14, 20266.08%first recorded
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
VA Mortgage Products - 30-year Fixed
30-year
6.875%
6.928%
▼
Rate6.875%
APR6.928%
Points0.000
UpdatedOct 2, 2026
Details

No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.

Rate History
3 changes since Sep 14, 2026 · 6.43% → 6.93% ▲ 0.50 pts · high 6.93% / low 6.43%
5.92%6.68%7.43%Sep 14, 2026: 6.43% APRSep 18, 2026: 6.55% APROct 1, 2026: 6.80% APROct 2, 2026: 6.93% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.93%▲ from 6.80%
  • Oct 1, 20266.80%▲ from 6.55%
  • Sep 18, 20266.55%▲ from 6.43%
  • Sep 14, 20266.43%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
VA Mortgage
30 Year
7.099%
7.099%
▼
Rate7.099%
APR7.099%
Points0.000
UpdatedOct 5, 2026
Details

Published APR range: 7.099% / 7.342%.

Rate History
4 changes since Sep 18, 2026 · 7.11% → 7.10% ▼ 0.01 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 18, 2026: 7.11% APRSep 25, 2026: 7.25% APRSep 29, 2026: 7.00% APROct 2, 2026: 7.25% APROct 5, 2026: 7.10% APRSep 18, 2026Oct 6, 2026
  • Oct 5, 20267.10%▼ from 7.25%
  • Oct 2, 20267.25%▲ from 7.00%
  • Sep 29, 20267.00%▼ from 7.25%
  • Sep 25, 20267.25%▲ from 7.11%
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
VA 30-Year Fixed
7.00%
7.144%
▼
Rate7.00%
APR7.144%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.52% → 7.14% ▲ 0.62 pts · high 7.14% / low 6.52%
5.90%6.83%7.77%Sep 14, 2026: 6.52% APRSep 18, 2026: 6.65% APRSep 22, 2026: 6.65% APRSep 27, 2026: 7.13% APROct 1, 2026: 7.12% APROct 2, 2026: 7.14% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.14%▲ from 7.12%
  • Oct 1, 20267.12%▼ from 7.13%
  • Sep 27, 20267.13%▲ from 6.65%
  • Sep 22, 20266.65%▼ from 6.65%
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
VA Mortgage
15 Year
7.25%
7.25%
▼
Rate7.25%
APR7.25%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 7.25% APR · checked 4 times
6.75%7.25%7.75%Sep 18, 2026: 7.25% APRSep 18, 2026Oct 6, 2026
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Federal VA 30 Year Fixed Rate
30 Year
7.125%
7.474%
▼
Rate7.125%
APR7.474%
Points0.000
UpdatedOct 2, 2026
Details

Term: Federal VA 30 Year Fixed Rate; Terms and Conditions for Federal VA 30 Year Fixed Rate

Rate History
3 changes since Sep 15, 2026 · 7.09% → 7.47% ▲ 0.38 pts · high 7.47% / low 7.09%
6.59%7.28%7.97%Sep 15, 2026: 7.09% APRSep 18, 2026: 7.22% APRSep 24, 2026: 7.34% APRSep 27, 2026: 7.47% APRSep 15, 2026Oct 6, 2026
  • Sep 27, 20267.47%▲ from 7.34%
  • Sep 24, 20267.34%▲ from 7.22%
  • Sep 18, 20267.22%▲ from 7.09%
  • Sep 15, 20267.09%first recorded
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Current Mortgage - VA 30 Year Loan
VA 30 Year
7.25%
7.541%
▼
Rate7.25%
APR7.541%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 7.54% APR · checked 2 times
7.04%7.54%8.04%Oct 1, 2026: 7.54% APROct 1, 2026Oct 6, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
VA 30 Yr Purchase Loan
30 years
7.25%
7.541%
▼
Rate7.25%
APR7.541%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.04% → 7.54% ▲ 0.50 pts · high 7.54% / low 7.04%
6.53%7.29%8.05%Sep 15, 2026: 7.04% APRSep 24, 2026: 7.16% APRSep 27, 2026: 7.42% APROct 1, 2026: 7.54% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20267.54%▲ from 7.42%
  • Sep 27, 20267.42%▲ from 7.16%
  • Sep 24, 20267.16%▲ from 7.04%
  • Sep 15, 20267.04%first recorded
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
VA 30 Year Fixed
30 Year
7.375%
7.686%
▼
Rate7.375%
APR7.686%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 24, 2026 · 7.18% → 7.69% ▲ 0.51 pts · high 7.69% / low 7.18%
6.66%7.43%8.20%Sep 24, 2026: 7.18% APRSep 27, 2026: 7.56% APROct 1, 2026: 7.69% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20267.69%▲ from 7.56%
  • Sep 27, 20267.56%▲ from 7.18%
  • Sep 24, 20267.18%first recorded
The refinance rates displayed are verified and sourced directly from the official websites of the listed financial institutions. The rate shown is the lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Your final approved rate will depend on your credit history, credit score, loan amount, loan-to-value ratio, and whether you take cash out.

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 6, 2026. Use these as the benchmark for the Hartford, Wisconsin quotes above; lenders that price refinances separately currently run about 0.180 points higher.

30-Year Fixed
7.340%
+0.158 vs. last week
15-Year Fixed
6.850%
+0.116 vs. last week
30-Year Jumbo
7.448%
Daily average
5/1 ARM
6.726%
Daily average
FHA 30-Year
7.644%
Daily average
VA 30-Year
7.792%
Daily average
Source: MonitorBankRates daily rate averages, all lenders tracked. Most lenders apply the same posted rate to purchase and refinance loans. Compare refinance rates in every state
Powered byMonitorBankRates

Hartford, WI Refinance Rate Trends

Compare local Hartford, 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 0.180 points at lenders that price refinances separately.

View Full Wisconsin Mortgage Rate Trends
30-Year Fixed WI Avg
7.538%
▲ 0.098 vs 7 days ago

Wisconsin 30-year fixed rates rose 0.098 points over the past 7 days to 7.538%.

15-Year Fixed WI Avg
6.972%
▼ 0.084 vs 7 days ago

Wisconsin 15-year fixed rates fell 0.084 points over the past 7 days to 6.972%.

As of Oct 6, 2026 • Averages reflect posted first-mortgage rates used for both purchase and refinance loans
Powered by MonitorBankRates

What Hartford, 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.

Refinance Premium
+0.180 pts
vs. same lender's purchase rate, nationally (14 lender pairs)
Sources: MonitorBankRates lender rate feed (refinance premium)

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.

Current WI Avg
7.538%
30-Year Fixed
6-Month Forecast
7.538%
Range: 7.19%, 7.84%
12-Month Forecast
7.788%
Range: 7.44%, 8.09%
12-Mo Payment Chg.
+$41/mo
vs. today on median home

What Forecast Rates Mean for Hartford, WI Homeowners Refinancing

Monthly principal & interest on a 30-year refinance of the loan of $237,680 (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) 7.538% $1,668 24.4%
6-Month Forecast 7.538% (7.19, 7.84%) $1,668 +$0/mo 24.4%
12-Month Forecast 7.788% (7.44, 8.09%) $1,709 +$41/mo 25%

Income column = annual mortgage payment as % of Hartford, WI median household income ($82,014). Above 30% is generally considered cost-burdened.

Projections based on Fed funds futures and mortgage-to-fed-funds spread model. Not a guarantee of future rates.

Hartford, 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 Hartford, Wisconsin rate on the right to test it instantly.

New Monthly P&I
$0
now $0
Monthly Savings
$0
Break-Even
0 mo

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.

Current Hartford, Wisconsin Refinance Rates

Lowest verified rate per loan type · click to test it as your new rate
Lowest verified rate per loan type available in Hartford, Wisconsin. ARM rates apply for the initial fixed period only.

Run the Numbers on Your Hartford, Wisconsin Refinance

The rate is only part of the decision. Use these calculators to turn current Hartford, Wisconsin home refinance rates into monthly savings, break-even months, and total interest before you talk to a lender.

Types of Refinance Loans Available in Hartford, Wisconsin

Homeowners in Hartford, 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 Hartford, 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 Hartford, 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 Hartford, 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 Hartford, 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 Hartford, 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 Hartford, 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.

How a Mortgage Refinance Works in Hartford, Wisconsin

A refinance pays off your current mortgage with a new loan on the same Hartford, 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.

How Hartford, Wisconsin Refinance Rates Compare to 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 Hartford, Wisconsin mortgage rates page. For example, Landmark Credit Union WI is listing a 30-Year Fixed at 7.375% for either purpose. Some lenders price refinances separately and list them by name, such as TruStone Financial Credit Union’s Mortgage Loans (Refinance) - 5/6 ARM Refinance at 6.125%. Across lenders that post both, refinance pricing currently runs about 0.180 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 in Hartford, Wisconsin

Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Hartford, 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 and No-Closing-Cost Loans in Hartford, Wisconsin

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 Hartford, Wisconsin Homeowners Should 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 Hartford, Wisconsin

What are home loan refinance rates in Hartford, WI today?

Home loan refinance rates, also called mortgage refinance rates or home refinance rates, are the rates lenders charge to replace your current mortgage. Hartford, Wisconsin mortgage refinance rates range from 5.24% to 9.12%, verified by MonitorBankRates as of October 5, 2026. Current mortgage refinance rates in Hartford, Wisconsin include Landmark Credit Union WILandmark Credit Union WI1400 Schauer Dr, Hartford, WI, 53027 1981A+5.0 ★Texas Ratio: 3.05% at 7.375%, Associated BankAssociated Bank1594 E Sumner St, Hartford, WI, 53027A+5.0 ★Texas Ratio: 3.45% at 7.625%, The Equitable Bank, S.S.B.The Equitable Bank, S.S.B.A+5.0 ★Texas Ratio: 0.46% at 7.25%, Dupaco Community Credit UnionDupaco Community Credit UnionA+5.0 ★Texas Ratio: 3.87% at 7.25%, and TruStone Financial Credit UnionTruStone Financial Credit UnionA+5.0 ★Texas Ratio: 4.56% at 7.25%.

Are refinance rates higher than purchase mortgage rates in Wisconsin?

Usually only slightly. Among lenders that post separate purchase and refinance pricing nationally, refinance rates currently run about 0.180 percentage points above the same lender's purchase rate. Most banks and credit unions in Wisconsin quote one rate for both purchase and refinance loans. Cash-out refinances and investment property refinances are typically priced higher than rate-and-term refinances.

When does refinancing make sense in Hartford, Wisconsin?

Refinancing makes sense when the monthly savings from a lower rate recover the closing costs before you expect to sell or pay off the loan. That point is called the break-even. If closing costs are $4,000 and the new loan saves $150 a month, break-even is about 27 months. Refinancing can also make sense to drop mortgage insurance, move from an adjustable rate to a fixed rate, or shorten the term.

How soon can I refinance a mortgage in Wisconsin?

Conventional rate-and-term refinances generally have no waiting period, though many lenders require six months of payment history. Cash-out refinances usually require you to have owned the home for at least six to twelve months. FHA Streamline refinances require 210 days since the first payment and six on-time payments, and VA IRRRL refinances require 210 days and six payments as well.

What is a rate-and-term refinance?

A rate-and-term refinance replaces your current mortgage with a new loan for roughly the same balance, changing only the interest rate, the term, or both. It is the most common type of refinance in Wisconsin and typically carries the lowest rate of any refinance product.

What is a cash-out refinance?

A cash-out refinance replaces your mortgage with a larger loan and pays you the difference in cash at closing. Most lenders cap the new loan at 80 percent of the home's value for conventional loans (90 percent for VA). Because the loan balance rises, cash-out rates run higher than rate-and-term refinance rates. A home equity loan or HELOC can be a cheaper way to borrow a smaller amount without giving up a low existing first mortgage rate.

Does refinancing reset my 30-year term?

Only if you choose a new 30-year loan. Many Wisconsin lenders offer 10-, 15-, 20-, and 25-year refinance terms, and some offer custom terms that match your remaining years. Refinancing into a shorter term at a lower rate can cut total interest substantially even when the monthly payment stays about the same.

What are typical refinance closing costs in Wisconsin?

Refinance closing costs generally run two to five percent of the loan amount and include origination fees, appraisal, title search and lender's title insurance, recording fees, and prepaid interest. Some lenders offer no-closing-cost refinances that fold the fees into a slightly higher rate, which can be worthwhile if you expect to move or refinance again within a few years.

What is the difference between interest rate and APR on a refinance?

The interest rate is the cost of borrowing the principal. The APR includes the interest rate plus lender fees and points, so it is the better number for comparing two refinance offers with different fee structures.

Should I lock my refinance rate?

If the quoted rate meets your break-even target and you are ready to close, locking protects you if rates rise during processing. Most refinance rate locks run 30 to 60 days. Ask whether the lender offers a float-down option in case rates fall after you lock.

How do I find the best refinance lender in Hartford, Wisconsin?

Compare rates and APRs from local banks, credit unions, and online lenders using the tables on this page, then request loan estimates from at least three. Credit unions in Wisconsin often post the lowest refinance rates for members, and lenders that already service your loan sometimes waive fees to keep it.

What are the best refinance rates in Hartford, Wisconsin?

  • Landmark Credit Union WI: 7.375% (30-Year Fixed)
  • Associated Bank: 7.625% (Conventional Fixed Rate Mortgages - 30 Year Fixed)
  • The Equitable Bank, S.S.B.: 7.25% (30 Year Fixed Refinance)
  • Dupaco Community Credit Union: 7.25% (Refinance: 30-Year Fixed Conventional)
  • TruStone Financial Credit Union: 7.25% (30-Year Fixed Rate Refinance)
Mortgage Rates reflect actual verified offers from lenders actively lending to Wisconsin borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 5, 2026

Hartford, Wisconsin Rates & Resources