Beaver Dam Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Beaver Dam averaged
6.89%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.79% and
one month ago for the week of 2025-05-29, the
average rate was 6.71%.
Beaver Dam's average rate one year ago was 6.98%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.02%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Beaver Dam 30 Year Fixed Rate | 2025-07-03 | 6.89% |
| Beaver Dam 30 Year Fixed Rate Refi | 2025-07-03 | 7.02% |
| Beaver Dam 15 Year Fixed Rate | 2025-07-03 | 5.9% |
| Beaver Dam 15 Year Fixed Rate Refi | 2025-07-03 | 6.3% |
| Beaver Dam 30 Year FHA | 2025-07-03 | 0.27% |
| Beaver Dam 30 Year FHA Refi | 2025-07-03 | -0.1% |
| Beaver Dam 30 Year USDA | 2025-07-03 | -0.1% |
| Beaver Dam 30 Year USDA Refi | 2025-07-03 | -0.1% |
| Beaver Dam 30 Year VA | 2025-07-03 | 0.38% |
| Beaver Dam 30 Year VA Refi | 2025-07-03 | 0.2% |
Beaver Dam Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Beaver Dam, WI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Beaver Dam Average Closing Costs & Other Stats
Beaver Dam, WI's 108 lenders originated 2,065
loans during 2024. The total origination value was $406,165,000, with an average loan value of
$196,690.
Beaver Dam's average closing costs are $3,454.
The top Beaver Dam lender as defined by loan originations is Summit Credit Union, with
67 loans originated. Their average total fees are
$2,871, which is $1,033
higher than the next largest lender,
Horicon Bank.
The lowest fee Beaver Dam lenders (with over 10 loans originated) are
Horicon Bank ($1,838), National Exchange Bank and Trust ($1,849), Landmark Credit Union ($2,234), Bank First, N.A. ($2,307) and Associated Bank ($2,681).
The lowest rate Beaver Dam lenders (with over 10 loans originated) are
National Exchange Bank and Trust (6.22%), University of Wisconsin Credit Union (6.45%), GUILD MORTGAGE COMPANY (6.52%), Bank First, N.A. (6.53%) and Associated Bank (6.57%).
Beaver Dam, WI Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Summit Credit Union | $44,850,000 | $38,900,000 | -13.3% | 9.6% |
| Community First Credit Union | $8,095,000 | $30,160,000 | 272.6% | 7.4% |
| Landmark Credit Union | $27,170,000 | $24,580,000 | -9.5% | 6.1% |
| Horicon Bank | $20,550,000 | $24,270,000 | 18.1% | 6.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $11,995,000 | $15,925,000 | 32.8% | 3.9% |
| QUICKEN LOANS, LLC | $8,085,000 | $12,995,000 | 60.7% | 3.2% |
| National Exchange Bank and Trust | $10,170,000 | $12,100,000 | 19.0% | 3.0% |
| The Port Washington State Bank | $675,000 | $9,855,000 | 1,360.0% | 2.4% |
| Mortgage Research Center, LLC | $5,340,000 | $9,715,000 | 81.9% | 2.4% |
| MOVEMENT MORTGAGE, LLC | $5,840,000 | $8,750,000 | 49.8% | 2.2% |
| University of Wisconsin Credit Union | $7,815,000 | $8,345,000 | 6.8% | 2.1% |
| Bank First, N.A. | $2,705,000 | $8,250,000 | 205.0% | 2.0% |
| NEWREZ LLC | $3,155,000 | $8,095,000 | 156.6% | 2.0% |
| Associated Bank | $7,985,000 | $8,090,000 | 1.3% | 2.0% |
| BMO Harris Bank | $4,290,000 | $7,190,000 | 67.6% | 1.8% |
| Waukesha State Bank | $2,000,000 | $6,715,000 | 235.8% | 1.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $5,570,000 | $6,435,000 | 15.5% | 1.6% |
| GUILD MORTGAGE COMPANY | $3,920,000 | $6,345,000 | 61.9% | 1.6% |
| CMG MORTGAGE, INC. | $3,785,000 | $6,160,000 | 62.7% | 1.5% |
| North Shore Bank FSB | $1,915,000 | $5,895,000 | 207.8% | 1.5% |
| VERVE, A CREDIT UNION | $465,000 | $5,000,000 | 975.3% | 1.2% |
| THOMPSON KANE & COMPANY, LLC | $3,020,000 | $4,935,000 | 63.4% | 1.2% |
| U.S. Bank | $2,970,000 | $4,815,000 | 62.1% | 1.2% |
| Johnson Bank | $2,930,000 | $4,470,000 | 52.6% | 1.1% |
| Prosperity Home Mortgage, LLC | $3,465,000 | $4,275,000 | 23.4% | 1.1% |
| Fox Valley Savings Bank | $2,250,000 | $4,040,000 | 79.6% | 1.0% |
| Barrington Bank & Trust Company, N.A. | $3,215,000 | $3,945,000 | 22.7% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $960,000 | $3,655,000 | 280.7% | 0.9% |
| A + MORTGAGE SERVICES, INC. | $2,090,000 | $3,620,000 | 73.2% | 0.9% |
| Providence Bank & Trust | $3,205,000 | n/a | 0.8% | |
| CROSSCOUNTRY MORTGAGE, LLC | $3,380,000 | $2,990,000 | -11.5% | 0.7% |
| FORTE BANK | $1,000,000 | $2,910,000 | 191.0% | 0.7% |
| Deere Employees Credit Union | $3,810,000 | $2,890,000 | -24.1% | 0.7% |
| PLANET HOME LENDING, LLC | $1,790,000 | $2,615,000 | 46.1% | 0.6% |
| WISCONSIN MORTGAGE CORPORATION | $1,180,000 | $2,610,000 | 121.2% | 0.6% |
| GUARANTEED RATE, INC. | $2,220,000 | $2,595,000 | 16.9% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $965,000 | $2,470,000 | 156.0% | 0.6% |
| CARDINAL FINANCIAL | $1,800,000 | $2,400,000 | 33.3% | 0.6% |
| FIRST COLONY MORTGAGE CORPORATION | $2,370,000 | n/a | 0.6% | |
| Bell Bank | $1,300,000 | $2,330,000 | 79.2% | 0.6% |
| Bank Five Nine | $4,895,000 | $2,290,000 | -53.2% | 0.6% |
| MARINE | $2,065,000 | $2,165,000 | 4.8% | 0.5% |
| LOANDEPOT.COM, LLC | $1,180,000 | $2,050,000 | 73.7% | 0.5% |
| JPMorgan Chase Bank | $1,030,000 | $1,885,000 | 83.0% | 0.5% |
| Bank of England | $1,120,000 | $1,830,000 | 63.4% | 0.5% |
| Nations Lending Corporation | $625,000 | $1,675,000 | 168.0% | 0.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $570,000 | $1,605,000 | 181.6% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $1,315,000 | $1,600,000 | 21.7% | 0.4% |
| Ixonia Bank | $1,755,000 | $1,585,000 | -9.7% | 0.4% |
| Wells Fargo Bank | $645,000 | $1,540,000 | 138.8% | 0.4% |
| AmeriHome Mortgage Company, LLC | $1,485,000 | n/a | 0.4% | |
| Glacier Hills Credit Union | $680,000 | $1,370,000 | 101.5% | 0.3% |
| GSF Mortgage Corporation | $1,545,000 | $1,325,000 | -14.2% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $1,260,000 | n/a | 0.3% | |
| BROKER SOLUTIONS, INC. | $1,240,000 | $1,220,000 | -1.6% | 0.3% |
| Farmers and Merchants Union Bank | $2,355,000 | $1,190,000 | -49.5% | 0.3% |
| The Equitable Bank, S.S.B. | $1,140,000 | n/a | 0.3% | |
| GUARANTEED RATE AFFINITY, LLC | $1,545,000 | $1,085,000 | -29.8% | 0.3% |
| Bank of Sun Prairie | $1,385,000 | $1,055,000 | -23.8% | 0.3% |
| NATIONS RELIABLE LENDING, LLC | $185,000 | $960,000 | 418.9% | 0.2% |
| The First National Bank and Trust Company | $940,000 | n/a | 0.2% | |
| FIRST STATE MORTGAGE SERVICES, LLC | $565,000 | $850,000 | 50.4% | 0.2% |
| Heartland Credit Union (Madison) | $725,000 | $850,000 | 17.2% | 0.2% |
| V.I.P. MORTGAGE, INC. | $1,040,000 | $845,000 | -18.8% | 0.2% |
| Badger Bank | $300,000 | $830,000 | 176.7% | 0.2% |
| USAA Federal Savings Bank | $305,000 | $815,000 | 167.2% | 0.2% |
| The Federal Savings Bank | $175,000 | $810,000 | 362.9% | 0.2% |
| BOKF | $805,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $660,000 | $760,000 | 15.2% | 0.2% |
| State Bank of Cross Plains | $680,000 | $755,000 | 11.0% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $500,000 | $745,000 | 49.0% | 0.2% |
| Commerce Bank | $745,000 | n/a | 0.2% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $245,000 | $710,000 | 189.8% | 0.2% |
| UNION HOME MORTGAGE CORP. | $705,000 | n/a | 0.2% | |
| DUPACO COMMUNITY | $700,000 | n/a | 0.2% | |
| Morgan Stanley Private Bank | $295,000 | $690,000 | 133.9% | 0.2% |
| S1L, Inc. | $685,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $900,000 | $670,000 | -25.6% | 0.2% |
| PyraMax Bank, FSB | $665,000 | n/a | 0.2% | |
| Century Mortgage Company DBA Century Lending Company | $520,000 | $655,000 | 26.0% | 0.2% |
| Magnolia Bank | $650,000 | n/a | 0.2% | |
| Mr. Cooper ( Nationstar Mortgage ) | $2,315,000 | $650,000 | -71.9% | 0.2% |
| DMB Community Bank | $640,000 | n/a | 0.2% | |
| Citizens Bank | $235,000 | $635,000 | 170.2% | 0.2% |
| Old National Bank | $555,000 | $630,000 | 13.5% | 0.2% |
| PNC Bank | $190,000 | $620,000 | 226.3% | 0.2% |
| COMPEER FINANCIAL, FLCA | $1,545,000 | $610,000 | -60.5% | 0.2% |
| CIBM Bank | $165,000 | $600,000 | 263.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $595,000 | n/a | 0.1% | |
| Bankers' Bank | $250,000 | $595,000 | 138.0% | 0.1% |
| NEW DAY FINANCIAL, LLC | $595,000 | n/a | 0.1% | |
| Citizens Bank | $235,000 | $585,000 | 148.9% | 0.1% |
| PremierBank | $1,650,000 | $585,000 | -64.5% | 0.1% |
| Westbury Bank | $1,110,000 | $585,000 | -47.3% | 0.1% |
| FOX COMMUNITIES | $170,000 | $580,000 | 241.2% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $575,000 | n/a | 0.1% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $575,000 | n/a | 0.1% | |
| Tri City National Bank | $185,000 | $570,000 | 208.1% | 0.1% |
| Discover Bank | $255,000 | $545,000 | 113.7% | 0.1% |
| Northpointe Bank | $545,000 | n/a | 0.1% | |
| CoVantage Credit Union | $265,000 | $515,000 | 94.3% | 0.1% |
| Premier Community Bank | $495,000 | n/a | 0.1% | |
| Equity Bank | $485,000 | n/a | 0.1% | |
| Baraboo State Bank | $470,000 | n/a | 0.1% | |
| ENDEAVOR CAPITAL, LLC. | $525,000 | $470,000 | -10.5% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $470,000 | n/a | 0.1% | |
| EDUCATORS CREDIT UNION | $1,330,000 | $465,000 | -65.0% | 0.1% |
| Oregon Community Bank | $445,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $440,000 | n/a | 0.1% | |
| Farmers & Merchants State Bank | $790,000 | $435,000 | -44.9% | 0.1% |
| Figure Lending LLC | $205,000 | $420,000 | 104.9% | 0.1% |
| First Federal Bank | $775,000 | $405,000 | -47.7% | 0.1% |
| Carrington Mortgage Services, LLC | $310,000 | $395,000 | 27.4% | 0.1% |
| PREMIA MORTGAGE, LLC | $395,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $100,000 | $380,000 | 280.0% | 0.1% |
| NBKC BANK | $375,000 | n/a | 0.1% | |
| The Peoples Community Bank | $375,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $365,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $365,000 | n/a | 0.1% | |
| NAVY FEDERAL CREDIT UNION | $655,000 | $360,000 | -45.0% | 0.1% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $285,000 | $355,000 | 24.6% | 0.1% |
| Plains Commerce Bank | $65,000 | $355,000 | 446.2% | 0.1% |
| The Bank of New Glarus | $525,000 | $340,000 | -35.2% | 0.1% |
| Ameris Bank | $335,000 | n/a | 0.1% | |
| LAKE MICHIGAN CREDIT UNION | $335,000 | n/a | 0.1% | |
| Coastal Community Bank | $80,000 | $330,000 | 312.5% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $115,000 | $330,000 | 187.0% | 0.1% |
| First Mid Bank & Trust | $325,000 | n/a | 0.1% | |
| GoPrime Mortgage, Inc. | $315,000 | n/a | 0.1% | |
| The Huntington National Bank | $1,295,000 | $315,000 | -75.7% | 0.1% |
| EVERETT FINANCIAL, INC. | $305,000 | n/a | 0.1% | |
| Servion, Inc. | $440,000 | $300,000 | -31.8% | 0.1% |
| Mid-Continent Funding, Inc. | $510,000 | $285,000 | -44.1% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $145,000 | $285,000 | 96.6% | 0.1% |
| Atlantic Coast Mortgage, LLC | $275,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $155,000 | $275,000 | 77.4% | 0.1% |
| Fortifi Bank | $215,000 | $275,000 | 27.9% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $270,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $255,000 | n/a | 0.1% | |
| Home State Bank | $255,000 | n/a | 0.1% | |
| Nicolet National Bank | $155,000 | $255,000 | 64.5% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $215,000 | $255,000 | 18.6% | 0.1% |
| Devon Bank | $245,000 | n/a | 0.1% | |
| The Park Bank | $245,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $360,000 | $240,000 | -33.3% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $225,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $225,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $215,000 | n/a | 0.1% | |
| Citizens State Bank of La Crosse | $215,000 | n/a | 0.1% | |
| NFM, INC. | $215,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $205,000 | n/a | 0.1% | |
| TruHome Solutions, LLC | $205,000 | n/a | 0.1% | |
| First American Bank | $120,000 | $200,000 | 66.7% | 0.0% |
| Granite Community Bank | $195,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $590,000 | $195,000 | -66.9% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $185,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $560,000 | $180,000 | -67.9% | 0.0% |
| First-Citizens Bank & Trust Company | $125,000 | $175,000 | 40.0% | 0.0% |
| Centier Bank | $75,000 | $170,000 | 126.7% | 0.0% |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $140,000 | $170,000 | 21.4% | 0.0% |
| NEXERA HOLDING LLC | $155,000 | $165,000 | 6.5% | 0.0% |
| Republic Bank of Chicago | $150,000 | n/a | 0.0% | |
| Bristol Morgan Bank | $145,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $145,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $125,000 | n/a | 0.0% | |
| Texana Bank | $125,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $155,000 | $115,000 | -25.8% | 0.0% |
| Royal Credit Union | $105,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $105,000 | n/a | 0.0% | |
| GATEWAY MORTGAGE CORPORATION | $105,000 | $95,000 | -9.5% | 0.0% |
| AMERICAN FINANCING CORPORATION | $75,000 | n/a | 0.0% | |
| Bank of Luxemburg | $65,000 | n/a | 0.0% | |
| Union Federal Savings and Loan Association | $65,000 | n/a | 0.0% | |
| Guardian Credit Union | $125,000 | $45,000 | -64.0% | 0.0% |
| INTOUCH CREDIT UNION | $35,000 | n/a | 0.0% | |
| Liberty Savings Bank, F.S.B. | $25,000 | n/a | 0.0% | |
| WESTconsin Credit Union | $15,000 | n/a | 0.0% |
Beaver Dam's top lender by overall market share is Summit Credit Union, with 9.6% market share. In second place, with 7.4%, is Community First Credit Union, having originated $30,160,000 in loans. In third place, with 6.1%, is Landmark Credit Union, having originated $24,580,000 in loans. In fourth place, with 6.0%, is Horicon Bank, having originated $24,270,000 in loans. In fifth place, with 3.9%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $15,925,000 in loans.
Beaver Dam, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 897 | $262,535,000 | $292,681 |
| Cash Out Refi | 330 | $49,720,000 | $150,667 |
| Refi | 308 | $60,170,000 | $195,357 |
| Home Improvement | 293 | $18,455,000 | $62,986 |
| Other | 236 | $14,870,000 | $63,008 |
| NA | 1 | $415,000 | $415,000 |
Beaver Dam's most frequently cited loan purpose was Home Purchase, with 897 originations. The 2nd most popular reason was Cash Out Refi, with 330 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 713 | $201,095,000 | $282,041 |
| 7-8% | 524 | $88,030,000 | $167,996 |
| Over 8% | 421 | $34,645,000 | $82,292 |
| 5-6% | 167 | $43,575,000 | $260,928 |
| <2.5% | 153 | $10,315,000 | $67,418 |
| 4-5% | 15 | $3,705,000 | $247,000 |
| 3-4% | 1 | $65,000 | $65,000 |
| 2.5-3% | 1 | $115,000 | $115,000 |
During 2024, Beaver Dam's most frequently originated rate bucket was 6-7%, with 713 originations.
Loan Sizing (Beaver Dam, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 795 | $40,635,000 | $51,113 |
| $200k-400k | 613 | $166,585,000 | $271,754 |
| $100k-200k | 528 | $79,060,000 | $149,735 |
| $400k-600k | 97 | $45,695,000 | $471,082 |
| $600k-1000k | 24 | $16,620,000 | $692,500 |
| $Over $1MM | 8 | $57,570,000 | $7,196,250 |
Beaver Dam's loan sizing saw the bucket of loans from $100,000 or less with 795 originations, totaling $40,635,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 618 | $186,250,000 | $301,375 |
| Under 20% | 451 | $18,855,000 | $41,807 |
| 20-40% | 389 | $33,965,000 | $87,314 |
| 60-80% | 333 | $102,645,000 | $308,243 |
| 40-60% | 165 | $29,385,000 | $178,091 |
| Over 100% | 22 | $6,710,000 | $305,000 |
Beaver Dam's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 618 originations, totaling $186,250,000 in origination value.