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

    863

    Origination Dollar Volume (All Markets)

    $148,875,000

    Employee count

    57 Show all (7) 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) 495 $85,625,000 $172,980 $1,058 3.14%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 176 $30,750,000 $174,716 $1,159 3.26%
    Beaver Dam, WI (FHA|USDA|VA) 102 $14,340,000 $140,588 $1,073 3.17%
    Outside of Metro Areas 26 $4,180,000 $160,769 $1,076 3.27%
    APPLETON, WI (FHA|USDA|VA) 22 $4,010,000 $182,273 $1,167 3.14%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 14 $3,700,000 $264,286 $1,072 3.27%
    MADISON, WI (FHA|USDA|VA) 9 $1,765,000 $196,111 $1,081 3.07%
    SHEBOYGAN, WI (FHA|USDA|VA) 7 $1,705,000 $243,571 $1,177 3.29%
    Manitowoc, WI (FHA|USDA|VA) 2 $1,070,000 $535,000 $2,060 3.44%
    GREEN BAY, WI (FHA|USDA|VA) 4 $650,000 $162,500 $1,067 3.13%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 3 $535,000 $178,333 $1,208 3.00%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $255,000 $255,000 $2,025 3.25%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $175,000 $175,000 $1,858 3.13%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $115,000 $115,000 $1,487 4.38%
    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.

    The Bank of Kaukauna
    Similarity Rank: 112
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 863 $148,875,000 $172,509 $1,090 3.17%

    For 2020, Fox Valley Savings Bank's most frequently originated type of loan was Conventional, with 863 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 655 $112,465,000 $171,702 $982 3.15%
    Home Purchase 202 $35,820,000 $177,327 $1,462 3.23%
    Other 5 $565,000 $113,000 $718 3.90%
    Home Improvement 1 $25,000 $25,000 $157 5.49%

    For 2020, Fox Valley Savings Bank's most frequently cited loan purpose was Refi, with 655 originations. The 2nd most popular reason was Home Purchase, with 202 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 516 $98,010,000 $189,942 $1,144 3.21%
    15 Year 199 $29,545,000 $148,467 $1,039 2.98%
    20 Year 93 $14,795,000 $159,086 $1,005 3.20%
    Other 29 $3,955,000 $136,379 $892 3.90%
    10 Year 25 $2,525,000 $101,000 $853 3.17%
    5 Year 1 $45,000 $45,000 $1,172 3.13%

    For 2020, Fox Valley Savings Bank's most frequently cited loan duration was 30 Year, with 516 originations. The 2nd most popular length was 15 Year, with 199 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 851 $147,335,000 $173,132
    $2k-3k 1 $255,000 $255,000

    Fox Valley Savings Bank's average total fees were $1,144, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 851 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 444 $75,960,000 $171,081
    3-4% 401 $71,475,000 $178,242
    4-5% 12 $1,230,000 $102,500
    5-6% 6 $210,000 $35,000

    During 2020, Fox Valley Savings Bank's average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 2.5-3%, with 444 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 402 $59,160,000 $147,164 $1,085 3.15%
    $200k-400k 260 $67,080,000 $258,000 $1,124 3.16%
    $100,000 or less 184 $14,160,000 $76,957 $1,032 3.25%
    $400k-600k 16 $7,480,000 $467,500 $1,231 3.08%
    $600k-1MM 1 $995,000 $995,000 $2,582 3.50%

    2020 saw Fox Valley Savings Bank place emphasis on $100k-200k loans with 402 originations, totaling $59,160,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 230 $46,980,000 $204,261 $1,067 3.17%
    $50k-75k 215 $29,555,000 $137,465 $1,087 3.19%
    $75k-100k 192 $33,430,000 $174,115 $1,088 3.11%
    $50k or less 119 $11,515,000 $96,765 $1,129 3.18%
    $150k-250k 65 $16,575,000 $255,000 $1,071 3.10%
    $250k+ 19 $7,255,000 $381,842 $1,114 3.08%

    Fox Valley Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 230 originations. The second most popular income band? $50k-75k, with 215 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 319 $55,555,000 $174,154 $1,067 3.17%
    30-36% 172 $29,890,000 $173,779 $1,105 3.14%
    <20% 140 $23,790,000 $169,929 $1,056 3.08%
    37% 44 $7,530,000 $171,136 $1,098 3.13%
    41% 31 $5,205,000 $167,903 $1,127 3.13%
    42% 30 $5,640,000 $188,000 $1,153 3.27%
    39% 29 $4,975,000 $171,552 $1,148 3.21%
    36% 28 $4,700,000 $167,857 $1,138 3.17%
    38% 23 $3,785,000 $164,565 $1,123 3.30%
    40% 21 $3,695,000 $175,952 $1,104 3.16%
    43% 1 $235,000 $235,000 $947 3.25%
    47% 1 $125,000 $125,000 $952 3.25%
    50-60% 1 $145,000 $145,000 $1,122 3.88%

    Fox Valley Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 319 originations. The next most common DTI ratio? 30-36%, with 172 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 669 $111,705,000 $166,973 $1,092 3.16%
    Not provided 180 $35,230,000 $195,722 $1,080 3.19%
    Not applicable 9 $1,145,000 $127,222 $0 4.26%
    Asian 3 $625,000 $208,333 $1,054 3.17%
    Black 1 $125,000 $125,000 $1,527 3.00%
    Native Hawaiian or Islander 1 $45,000 $45,000 $1,172 3.13%

    Approval Rates

    Total approvals of all applications
    96.24%

    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
    96.06%

    Fox Valley Savings Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 863 $148,875,000 $172,509

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 863 $148,875,000 $172,509

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 50 $4,370,000 $87,400 $990 3.10%
    40-60% 139 $19,785,000 $142,338 $1,008 3.11%
    60-80% 415 $76,685,000 $184,783 $1,044 3.15%
    80-100% 248 $47,150,000 $190,121 $1,250 3.23%
    Over 100% 2 $510,000 $255,000 $0 4.25%
    Under 20% 8 $310,000 $38,750 $620 4.14%

    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 $63,064
    Fox Valley Savings Bank 1700 West 20th Avenue Oshkosh, WI 54903 Full Service B&M $40,940
    Fox Valley Savings Bank 51 East First Street Fond Du Lac, WI 54935 Full Service B&M $182,941

    For 2020, Fox Valley Savings Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $11,537
    Net interest income $9,123
    Total noninterest income $4,147
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $354
    Trading account gains and fees $0
    Additional Noninterest Income $3,793
    Pre-tax net operating income $3,715
    Securities gains (or losses, -) $70
    Income before extraordinary items $3,124
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $3,124
    Minority interest net income $0
    Net income $3,124
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $3,065

    Fox Valley Savings Bank's gross interest income from loans was $11,537,000.
    Fox Valley Savings Bank's net interest income from loans was $9,123,000.
    Fox Valley Savings Bank's fee based income from loans was $354,000.
    Fox Valley Savings Bank's net income from loans was $3,124,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,414
    Provision for credit losses $327
    Total noninterest expense $9,228
    Salaries and employee benefits $5,733
    Premises and equipment expense $836
    Additional noninterest expense $2,659
    Applicable income taxes $661
    Net charge-offs $87
    Cash dividends $0

    Fox Valley Savings Bank's interest expense for loans was $2,414,000.
    Fox Valley Savings Bank's payroll and benefits expense were $5,733,000.
    Fox Valley Savings Bank's property, plant and equipment expenses $836,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 6.0%
    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 $298,075
    Deposits held in domestic offices $298,075
    Deposits by Individuals, partnerships, and corporations $295,921
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $2,154
    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 $55,897
    Demand deposits $18,828
    Nontransaction accounts $242,178
    Money market deposit accounts (MMDAs) $64,733
    Other savings deposits (excluding MMDAs) $82,738
    Total time deposits $94,706
    Total time and savings deposits $279,247
    Noninterest-bearing deposits $18,828
    Interest-bearing deposits $279,247
    Retail deposits $283,834
    IRAs and Keogh plan accounts $20,909
    Brokered deposits $6,123
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $384,306
    Cash & Balances due from depository institutions $10,348
    Interest-bearing balances $6,996
    Total securities $141,744
    Federal funds sold & reverse repurchase $601
    Net loans and leases $214,223
    Loan and leases loss allowance $2,983
    Trading account assets $0
    Bank premises and fixed assets $4,428
    Other real estate owned $0
    Goodwill and other intangibles $1,205
    All other assets $11,757

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $384,306
    Total Liabilities $325,437
    Total deposits $298,075
    Interest-bearing deposits $279,247
    Deposits held in domestic offices $298,075
    % insured (estimated) $94
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $24,300
    Subordinated debt $0
    All other liabilities $3,062

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $214,223
    Loan and leases loss allowance $2,983
    Total loans and leases (domestic) $217,206
    All real estate loans $204,311
    Real estate loans in domestic offices $204,311
    Construction and development loans $4,694
    Residential 1-4 family construction $1,240
    Other construction, all land development and other land $3,454
    Loans secured by nonfarm nonresidential properties $64,958
    Nonfarm nonresidential secured by owner-occupied properties $15,253
    Commercial real estate & other non-farm, non-residential $49,705
    Multifamily residential real estate $14,242
    1-4 family residential loans $120,417
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $10,377
    To non-U.S. addressees $0
    Loans to individuals $2,518
    Credit card loans $56
    Related Plans $21
    Consumer Auto Loans $219
    Other loans to individuals $2,222
    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 $307
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Fox Valley Savings Bank had $214,223,000 of loans outstanding in 2020. $204,311,000 of loans were in real estate loans. $4,694,000 of loans were in development loans. $14,242,000 of loans were in multifamily mortgage loans. $120,417,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $56,000 of loans were in credit card loans. $219,000 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 $12,832 $285,156
    Nonfarm, nonresidential loans - <$100k 6 $353 $58,833
    Nonfarm, nonresidential loans - $100-250k 17 $2,240 $131,765
    Nonfarm, nonresidential loans - $250k-1MM 22 $10,239 $465,409
    Commercial & Industrial, US addressed loans - <$1MM 39 $2,812 $72,103
    Commercial & Industrial, US addressed loans - <$100k 25 $636 $25,440
    Commercial & Industrial, US addressed loans - $100-250k 11 $1,074 $97,636
    Commercial & Industrial, US addressed loans - $250k-1MM 3 $1,102 $367,333