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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  • SimulatedRates™
  • Mortgage Calculator

    • 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 12 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% 12/16/24
    30 Year Conventional Refi 6.58% 12/16/24
    30 Year Cash-out Refi 6.51% 12/16/24
    15 Year Conventional Purchase 5.94% 12/16/24
    15 Year Conventional Refi 6.08% 12/16/24
    15 Year Cash-out Refi 6.08% 12/16/24
    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

    644

    Origination Dollar Volume (All Markets)

    $109,290,000

    Employee count

    57 Show all (10) 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) 356 $57,770,000 $162,275 $1,042 2.87%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 137 $24,705,000 $180,328 $1,174 2.96%
    Beaver Dam, WI (FHA|USDA|VA) 69 $10,035,000 $145,435 $1,024 2.89%
    Outside of Metro Areas 29 $5,315,000 $183,276 $1,098 2.84%
    APPLETON, WI (FHA|USDA|VA) 19 $4,105,000 $216,053 $1,152 2.97%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 10 $2,650,000 $265,000 $965 2.80%
    MADISON, WI (FHA|USDA|VA) 9 $2,025,000 $225,000 $1,093 2.76%
    SHEBOYGAN, WI (FHA|USDA|VA) 6 $1,000,000 $166,667 $1,018 2.90%
    GREEN BAY, WI (FHA|USDA|VA) 5 $825,000 $165,000 $1,111 3.00%
    Marinette, WI-MI (FHA|USDA|VA) 2 $460,000 $230,000 $1,199 3.13%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $285,000 $285,000 $1,095 3.50%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $115,000 $115,000 $1,330 3.38%
    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.

    FOND DU LAC
    Similarity Rank: 128
    PROSPERA Credit Union
    Similarity Rank: 140
    Wolf River Community Bank
    Similarity Rank: 450
    The Bank of Kaukauna
    Similarity Rank: 484
    The Greenwood's State Bank
    Similarity Rank: 500
    UNISON CREDIT UNION
    Similarity Rank: 504
    Settlers Bank
    Similarity Rank: 513
    BLC Community Bank
    Similarity Rank: 555
    Fox Valley Savings Bank
    Similarity Rank: 612
    CAPITAL Credit Union
    Similarity Rank: 645

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 644 $109,290,000 $169,705 $1,075 2.89%

    For 2021, Fox Valley Savings Bank's most frequently originated type of loan was Conventional, with 644 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 490 $80,310,000 $163,898 $975 2.83%
    Home Purchase 150 $28,440,000 $189,600 $1,417 3.08%
    Home Improvement 2 $430,000 $215,000 $970 2.75%
    Other 2 $110,000 $55,000 $762 4.18%

    For 2021, Fox Valley Savings Bank's most frequently cited loan purpose was Refi, with 490 originations. The 2nd most popular reason was Home Purchase, with 150 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 346 $65,670,000 $189,798 $1,141 3.00%
    15 Year 173 $25,365,000 $146,618 $996 2.60%
    20 Year 88 $13,700,000 $155,682 $988 2.88%
    10 Year 17 $1,645,000 $96,765 $927 2.75%
    Other 12 $2,070,000 $172,500 $1,135 3.31%
    5 Year 8 $840,000 $105,000 $0 4.21%

    For 2021, Fox Valley Savings Bank's most frequently cited loan duration was 30 Year, with 346 originations. The 2nd most popular length was 15 Year, with 173 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 634 $108,220,000 $170,694
    $1k-2k 1 $195,000 $195,000

    Fox Valley Savings Bank's average total fees were $1,141, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 634 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 449 $76,055,000 $169,388
    3-4% 119 $22,185,000 $186,429
    <2.5% 68 $10,500,000 $154,412
    4-5% 7 $515,000 $73,571
    5-6% 1 $35,000 $35,000

    During 2021, Fox Valley Savings Bank's average interest rate for loans was 3.00%, while their most frequently originated rate bucket for loans was 2.5-3%, with 449 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 333 $48,455,000 $145,511 $1,066 2.87%
    $200k-400k 181 $47,535,000 $262,624 $1,118 2.91%
    $100,000 or less 121 $9,175,000 $75,826 $1,010 2.93%
    $400k-600k 9 $4,125,000 $458,333 $1,347 2.90%

    2021 saw Fox Valley Savings Bank place emphasis on $100k-200k loans with 333 originations, totaling $48,455,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 169 $34,265,000 $202,751 $1,075 2.84%
    $50k-75k 167 $24,165,000 $144,701 $1,083 2.92%
    $75k-100k 141 $22,115,000 $156,844 $1,074 2.91%
    $50k or less 90 $9,360,000 $104,000 $1,045 2.90%
    $150k-250k 55 $14,745,000 $268,091 $1,067 2.73%
    $250k+ 7 $2,395,000 $342,143 $1,237 2.86%

    Fox Valley Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 169 originations. The second most popular income band? $50k-75k, with 167 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 239 $42,765,000 $178,933 $1,067 2.84%
    30-36% 131 $21,645,000 $165,229 $1,102 2.90%
    <20% 99 $15,465,000 $156,212 $1,025 2.80%
    39% 29 $4,555,000 $157,069 $1,036 2.86%
    38% 28 $4,910,000 $175,357 $1,149 3.06%
    41% 26 $4,410,000 $169,615 $1,103 2.95%
    37% 24 $5,170,000 $215,417 $1,121 2.95%
    42% 21 $3,085,000 $146,905 $1,056 3.00%
    40% 20 $3,400,000 $170,000 $1,067 2.91%
    36% 19 $3,045,000 $160,263 $1,117 2.97%

    Fox Valley Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 239 originations. The next most common DTI ratio? 30-36%, with 131 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 591 $101,085,000 $171,041 $1,076 2.88%
    Not provided 41 $6,555,000 $159,878 $1,059 2.91%
    Not applicable 7 $775,000 $110,714 $0 4.12%
    Asian 4 $660,000 $165,000 $977 2.81%
    Asian Indian 1 $215,000 $215,000 $1,255 3.13%

    Approval Rates

    Total approvals of all applications
    94.64%

    Fox Valley Savings Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    93.17%

    Fox Valley Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 644 $109,290,000 $169,705

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    644 $109,290,000 $169,705

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 62 $6,610,000 $106,613 $985 2.75%
    40-60% 131 $19,185,000 $146,450 $1,000 2.77%
    60-80% 285 $53,365,000 $187,246 $1,053 2.91%
    80-100% 158 $29,700,000 $187,975 $1,216 3.03%
    Under 20% 8 $430,000 $53,750 $990 2.67%

    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 $71,081
    Fox Valley Savings Bank 1700 West 20th Avenue Oshkosh, WI 54903 Full Service B&M $42,992
    Fox Valley Savings Bank 51 E 1st St Fond Du Lac, WI 54935 Full Service B&M $200,103

    For 2021, Fox Valley Savings Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $11,396
    Net interest income $10,136
    Total noninterest income $3,387
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $417
    Trading account gains and fees $0
    Additional Noninterest Income $2,970
    Pre-tax net operating income $4,093
    Securities gains (or losses, -) $457
    Income before extraordinary items $3,764
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $3,764
    Minority interest net income $0
    Net income $3,764
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $3,384

    Fox Valley Savings Bank's gross interest income from loans was $11,396,000.
    Fox Valley Savings Bank's net interest income from loans was $10,136,000.
    Fox Valley Savings Bank's fee based income from loans was $417,000.
    Fox Valley Savings Bank's net income from loans was $3,764,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,260
    Provision for credit losses $75
    Total noninterest expense $9,355
    Salaries and employee benefits $5,768
    Premises and equipment expense $826
    Additional noninterest expense $2,761
    Applicable income taxes $786
    Net charge-offs $-9
    Cash dividends $0

    Fox Valley Savings Bank's interest expense for loans was $1,260,000.
    Fox Valley Savings Bank's payroll and benefits expense were $5,768,000.
    Fox Valley Savings Bank's property, plant and equipment expenses $826,000.

    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 2.0%
    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 0.0%
    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 $331,811
    Deposits held in domestic offices $331,811
    Deposits by Individuals, partnerships, and corporations $329,066
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $2,745
    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 $70,616
    Demand deposits $21,690
    Nontransaction accounts $261,195
    Money market deposit accounts (MMDAs) $83,228
    Other savings deposits (excluding MMDAs) $93,705
    Total time deposits $84,263
    Total time and savings deposits $310,121
    Noninterest-bearing deposits $21,690
    Interest-bearing deposits $310,121
    Retail deposits $320,512
    IRAs and Keogh plan accounts $19,432
    Brokered deposits $1,373
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $414,508
    Cash & Balances due from depository institutions $11,267
    Interest-bearing balances $7,385
    Total securities $170,152
    Federal funds sold & reverse repurchase $2,068
    Net loans and leases $212,432
    Loan and leases loss allowance $3,067
    Trading account assets $0
    Bank premises and fixed assets $4,352
    Other real estate owned $0
    Goodwill and other intangibles $1,393
    All other assets $12,844

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $414,508
    Total Liabilities $353,738
    Total deposits $331,811
    Interest-bearing deposits $310,121
    Deposits held in domestic offices $331,811
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $19,700
    Subordinated debt $0
    All other liabilities $2,227

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $212,432
    Loan and leases loss allowance $3,067
    Total loans and leases (domestic) $215,499
    All real estate loans $203,193
    Real estate loans in domestic offices $203,193
    Construction and development loans $13,456
    Residential 1-4 family construction $1,554
    Other construction, all land development and other land $11,902
    Loans secured by nonfarm nonresidential properties $54,957
    Nonfarm nonresidential secured by owner-occupied properties $13,663
    Commercial real estate & other non-farm, non-residential $41,294
    Multifamily residential real estate $12,695
    1-4 family residential loans $122,085
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $9,765
    To non-U.S. addressees $0
    Loans to individuals $2,541
    Credit card loans $74
    Related Plans $17
    Consumer Auto Loans $161
    Other loans to individuals $2,289
    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 $299
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Fox Valley Savings Bank had $212,432,000 of loans outstanding in 2021. $203,193,000 of loans were in real estate loans. $13,456,000 of loans were in development loans. $12,695,000 of loans were in multifamily mortgage loans. $122,085,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $74,000 of loans were in credit card loans. $161,000 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 43 $13,013 $302,628
    Nonfarm, nonresidential loans - <$100k 5 $245 $49,000
    Nonfarm, nonresidential loans - $100-250k 20 $2,581 $129,050
    Nonfarm, nonresidential loans - $250k-1MM 18 $10,187 $565,944
    Commercial & Industrial, US addressed loans - <$1MM 11 $1,182 $107,455
    Commercial & Industrial, US addressed loans - <$100k 5 $137 $27,400
    Commercial & Industrial, US addressed loans - $100-250k 4 $311 $77,750
    Commercial & Industrial, US addressed loans - $250k-1MM 2 $734 $367,000