Fox Valley Savings Bank Mortgage Rates, Fees & Info

Fond du Lac, WI

LEI: 254900VLNEK78XKF3M52

Tax ID: 39-0284766

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Fox Valley Savings Bank is a smaller bank specializing in Refi and Home Purchase loans. Fox Valley Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: Fond Du Lac, Oshkosh, Beaver Dam, Appleton, and Milwaukee among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Fox Valley Savings Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Fox Valley Savings Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.53% 4/19/24
    30 Year Conventional Refi 6.58% 4/19/24
    30 Year Cash-out Refi 6.51% 4/19/24
    15 Year Conventional Purchase 5.94% 4/19/24
    15 Year Conventional Refi 6.08% 4/19/24
    15 Year Cash-out Refi 6.08% 4/19/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Fox Valley Savings Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Fox Valley Savings Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    455

    Origination Dollar Volume (All Markets)

    $74,305,000

    Employee count

    56 Show all (9) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    FOND DU LAC, WI (FHA|USDA|VA) 268 $41,270,000 $153,993 $1,079 3.77%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 89 $17,585,000 $197,584 $1,277 3.96%
    Beaver Dam, WI (FHA|USDA|VA) 51 $6,395,000 $125,392 $1,143 3.77%
    Outside of Metro Areas 20 $3,770,000 $188,500 $1,260 3.86%
    APPLETON, WI (FHA|USDA|VA) 9 $1,695,000 $188,333 $1,286 3.83%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 7 $1,345,000 $192,143 $1,123 4.08%
    SHEBOYGAN, WI (FHA|USDA|VA) 3 $825,000 $275,000 $1,050 3.92%
    MADISON, WI (FHA|USDA|VA) 1 $265,000 $265,000 $1,774 4.63%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $260,000 $130,000 $1,674 3.88%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $225,000 $225,000 $1,972 4.25%
    Whitewater, WI (FHA|USDA|VA) 1 $225,000 $225,000 $1,942 4.25%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $185,000 $185,000 $1,340 3.50%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,482 3.50%
    GREEN BAY, WI (FHA|USDA|VA) 1 $115,000 $115,000 $1,225 3.63%
    Fox Valley Savings Bank's top markets include Fond Du Lac, Oshkosh, Beaver Dam, Appleton, and Milwaukee among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Fox Valley Savings Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    AppleTree Credit Union
    Similarity Rank: 8
    PROSPERA Credit Union
    Similarity Rank: 70
    NORTHWESTERN MUTUAL
    Similarity Rank: 117
    The Bank of Kaukauna
    Similarity Rank: 119
    Empower Credit Union
    Similarity Rank: 144
    UNISON CREDIT UNION
    Similarity Rank: 152
    FOX COMMUNITIES
    Similarity Rank: 180
    Fox Valley Savings Bank
    Similarity Rank: 182
    EDUCATORS CREDIT UNION
    Similarity Rank: 220
    CAPITAL Credit Union
    Similarity Rank: 352

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 455 $74,305,000 $163,308 $1,147 3.82%

    For 2019, Fox Valley Savings Bank's most frequently originated type of loan was Conventional, with 455 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 254 $41,800,000 $164,567 $937 3.63%
    Home Purchase 194 $32,260,000 $166,289 $1,444 4.02%
    Other 5 $175,000 $35,000 $499 5.24%
    Home Improvement 2 $70,000 $35,000 $614 4.87%

    For 2019, Fox Valley Savings Bank's most frequently cited loan purpose was Refi, with 254 originations. The 2nd most popular reason was Home Purchase, with 194 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 282 $49,160,000 $174,326 $1,236 3.91%
    15 Year 90 $12,330,000 $137,000 $1,029 3.37%
    20 Year 44 $7,280,000 $165,455 $1,074 3.56%
    10 Year 20 $1,930,000 $96,500 $693 4.17%
    Other 11 $3,145,000 $285,909 $1,214 4.57%
    5 Year 7 $455,000 $65,000 $452 5.19%
    3 Year 1 $5,000 $5,000 $505 4.99%

    For 2019, Fox Valley Savings Bank's most frequently cited loan duration was 30 Year, with 282 originations. The 2nd most popular length was 15 Year, with 90 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 448 $71,810,000 $160,290

    Fox Valley Savings Bank's average total fees were $1,236, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 448 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 312 $51,930,000 $166,442
    4-5% 111 $17,675,000 $159,234
    5-6% 17 $2,975,000 $175,000
    2.5-3% 14 $1,710,000 $122,143
    6-7% 1 $15,000 $15,000

    During 2019, Fox Valley Savings Bank's average interest rate for loans was 3.91%, while their most frequently originated rate bucket for loans was 3-4%, with 312 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 222 $32,540,000 $146,577 $1,152 3.75%
    $100,000 or less 113 $8,275,000 $73,230 $1,026 3.96%
    $200k-400k 111 $28,125,000 $253,378 $1,245 3.79%
    $400k-600k 7 $3,345,000 $477,857 $1,348 3.79%
    $1MM+ 1 $1,155,000 $1,155,000 $0 5.38%
    $600k-1MM 1 $865,000 $865,000 $0 5.38%

    2019 saw Fox Valley Savings Bank place emphasis on $100k-200k loans with 222 originations, totaling $32,540,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 129 $16,485,000 $127,791 $1,157 3.82%
    $100k-150k 104 $20,620,000 $198,269 $1,170 3.75%
    $75k-100k 101 $16,205,000 $160,446 $1,109 3.80%
    $50k or less 69 $7,095,000 $102,826 $1,129 3.88%
    $150k-250k 35 $8,455,000 $241,571 $1,209 3.63%
    $250k+ 10 $3,010,000 $301,000 $1,059 4.09%

    Fox Valley Savings Bank lent most frequently to those with incomes in the $50k-75k range, with 129 originations. The second most popular income band? $100k-150k, with 104 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 148 $24,360,000 $164,595 $1,111 3.76%
    30-36% 91 $15,895,000 $174,670 $1,210 3.83%
    <20% 79 $11,315,000 $143,228 $1,103 3.70%
    39% 22 $3,340,000 $151,818 $1,254 3.97%
    36% 22 $3,110,000 $141,364 $1,100 3.81%
    42% 20 $3,090,000 $154,500 $1,151 3.83%
    38% 19 $2,955,000 $155,526 $1,199 3.84%
    40% 18 $3,090,000 $171,667 $1,106 3.69%
    41% 14 $2,330,000 $166,429 $1,322 4.03%
    37% 11 $1,885,000 $171,364 $1,118 3.70%
    >60% 2 $180,000 $90,000 $736 5.00%
    43% 1 $15,000 $15,000 $525 6.49%

    Fox Valley Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 148 originations. The next most common DTI ratio? 30-36%, with 91 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 419 $66,785,000 $159,391 $1,153 3.83%
    Not provided 22 $4,090,000 $185,909 $1,042 3.39%
    Not applicable 8 $2,560,000 $320,000 $945 4.88%
    Asian 4 $520,000 $130,000 $1,191 3.75%
    Black 2 $350,000 $175,000 $977 3.13%

    Approval Rates

    Total approvals of all applications
    96.22%

    Fox Valley Savings Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    93.63%

    Fox Valley Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 455 $74,305,000 $163,308

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $2,020,000 $1,010,000
    Single Family (1-4 Units):Manufactured 1 $155,000 $155,000
    Single Family (1-4 Units):Site-Built 452 $72,130,000 $159,580

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 15 $1,195,000 $79,667 $868 4.01%
    40-60% 68 $8,970,000 $131,912 $1,020 3.52%
    60-80% 196 $35,180,000 $179,490 $1,115 3.71%
    80-100% 164 $28,540,000 $174,024 $1,307 3.97%
    Under 20% 12 $420,000 $35,000 $550 5.10%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Fox Valley Savings Bank 101 S Madison St Waupun, WI 53963 Full Service B&M $60,348
    Fox Valley Savings Bank 1700 West 20th Avenue Oshkosh, WI 54903 Full Service B&M $39,340
    Fox Valley Savings Bank 51 East First Street Fond Du Lac, WI 54935 Full Service B&M $180,091

    For 2019, Fox Valley Savings Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $11,966
    Net interest income $9,020
    Total noninterest income $2,293
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $343
    Trading account gains and fees $0
    Additional Noninterest Income $1,950
    Pre-tax net operating income $2,781
    Securities gains (or losses, -) $401
    Income before extraordinary items $2,593
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,593
    Minority interest net income $0
    Net income $2,593
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,268

    Fox Valley Savings Bank's gross interest income from loans was $11,966,000.
    Fox Valley Savings Bank's net interest income from loans was $9,020,000.
    Fox Valley Savings Bank's fee based income from loans was $343,000.
    Fox Valley Savings Bank's net income from loans was $2,593,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,946
    Provision for credit losses $295
    Total noninterest expense $8,237
    Salaries and employee benefits $4,836
    Premises and equipment expense $786
    Additional noninterest expense $2,615
    Applicable income taxes $589
    Net charge-offs $268
    Cash dividends $0

    Fox Valley Savings Bank's interest expense for loans was $2,946,000.
    Fox Valley Savings Bank's payroll and benefits expense were $4,836,000.
    Fox Valley Savings Bank's property, plant and equipment expenses $786,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 9.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $277,609
    Deposits held in domestic offices $277,609
    Deposits by Individuals, partnerships, and corporations $277,080
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $528
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $48,509
    Demand deposits $15,250
    Nontransaction accounts $229,099
    Money market deposit accounts (MMDAs) $54,275
    Other savings deposits (excluding MMDAs) $67,263
    Total time deposits $107,561
    Total time and savings deposits $262,358
    Noninterest-bearing deposits $16,257
    Interest-bearing deposits $261,352
    Retail deposits $265,097
    IRAs and Keogh plan accounts $21,938
    Brokered deposits $256
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $340,497
    Cash & Balances due from depository institutions $12,046
    Interest-bearing balances $8,823
    Total securities $134,637
    Federal funds sold & reverse repurchase $2,176
    Net loans and leases $176,565
    Loan and leases loss allowance $2,743
    Trading account assets $0
    Bank premises and fixed assets $4,511
    Other real estate owned $30
    Goodwill and other intangibles $983
    All other assets $9,549

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $340,497
    Total Liabilities $287,132
    Total deposits $277,609
    Interest-bearing deposits $261,352
    Deposits held in domestic offices $277,609
    % insured (estimated) $95
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $7,000
    Subordinated debt $0
    All other liabilities $2,523

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $176,565
    Loan and leases loss allowance $2,743
    Total loans and leases (domestic) $179,308
    All real estate loans $169,071
    Real estate loans in domestic offices $169,071
    Construction and development loans $4,723
    Residential 1-4 family construction $970
    Other construction, all land development and other land $3,753
    Loans secured by nonfarm nonresidential properties $41,703
    Nonfarm nonresidential secured by owner-occupied properties $19,337
    Commercial real estate & other non-farm, non-residential $22,366
    Multifamily residential real estate $18,158
    1-4 family residential loans $104,487
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $7,136
    To non-U.S. addressees $0
    Loans to individuals $3,101
    Credit card loans $66
    Related Plans $533
    Consumer Auto Loans $345
    Other loans to individuals $2,157
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,050
    Non 1-4 family restructured loans & leases $730
    Total loans and leases (foreign) $0

    Fox Valley Savings Bank had $176,565,000 of loans outstanding in 2019. $169,071,000 of loans were in real estate loans. $4,723,000 of loans were in development loans. $18,158,000 of loans were in multifamily mortgage loans. $104,487,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $66,000 of loans were in credit card loans. $345,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 45 $12,351 $274,467
    Nonfarm, nonresidential loans - <$100k 6 $371 $61,833
    Nonfarm, nonresidential loans - $100-250k 17 $2,255 $132,647
    Nonfarm, nonresidential loans - $250k-1MM 22 $9,725 $442,045
    Commercial & Industrial, US addressed loans - <$1MM 20 $1,923 $96,150
    Commercial & Industrial, US addressed loans - <$100k 13 $375 $28,846
    Commercial & Industrial, US addressed loans - $100-250k 5 $553 $110,600
    Commercial & Industrial, US addressed loans - $250k-1MM 2 $995 $497,500