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)

    • Review & Overview

    Fox Valley Savings Bank is a smaller bank specializing in Home Purchase and Cash Out Refi 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, Madison, and Appleton among others. We have data for 10 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% 4/28/24
    30 Year Conventional Refi 6.58% 4/28/24
    30 Year Cash-out Refi 6.51% 4/28/24
    15 Year Conventional Purchase 5.94% 4/28/24
    15 Year Conventional Refi 6.08% 4/28/24
    15 Year Cash-out Refi 6.08% 4/28/24
    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

    187

    Origination Dollar Volume (All Markets)

    $34,605,000
    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) 89 $15,105,000 $169,719 $1,191 4.02%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 51 $10,525,000 $206,373 $1,521 4.44%
    Beaver Dam, WI (FHA|USDA|VA) 27 $4,365,000 $161,667 $1,236 4.24%
    Outside of Metro Areas 7 $1,855,000 $265,000 $1,458 4.13%
    MADISON, WI (FHA|USDA|VA) 3 $1,095,000 $365,000 $1,318 3.92%
    APPLETON, WI (FHA|USDA|VA) 5 $1,095,000 $219,000 $1,705 4.30%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $225,000 $225,000 $1,817 3.25%
    GREEN BAY, WI (FHA|USDA|VA) 2 $200,000 $100,000 $1,090 2.63%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $115,000 $115,000 $1,217 4.00%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $25,000 $25,000 $294 7.25%
    Fox Valley Savings Bank's top markets include Fond Du Lac, Oshkosh, Beaver Dam, Madison, and Appleton 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.

    UNISON CREDIT UNION
    Similarity Rank: 70
    NORTHWESTERN MUTUAL
    Similarity Rank: 70
    Empower Credit Union
    Similarity Rank: 81
    PROSPERA Credit Union
    Similarity Rank: 84
    Glacier Hills Credit Union
    Similarity Rank: 200
    Fox Valley Savings Bank
    Similarity Rank: 250
    FOX COMMUNITIES
    Similarity Rank: 297
    EDUCATORS CREDIT UNION
    Similarity Rank: 300
    Blackhawk Community Credit Union
    Similarity Rank: 330
    Wolf River Community Bank
    Similarity Rank: 558

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 187 $34,605,000 $185,053 $1,309 4.18%

    For 2022, Fox Valley Savings Bank's most frequently originated type of loan was Conventional, with 187 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 99 $21,465,000 $216,818 $1,647 4.53%
    Cash Out Refi 53 $7,005,000 $132,170 $995 3.62%
    Refi 20 $4,110,000 $205,500 $949 3.49%
    Other 10 $1,790,000 $179,000 $852 4.65%
    Home Improvement 5 $235,000 $47,000 $578 4.92%

    For 2022, Fox Valley Savings Bank's most frequently cited loan purpose was Home Purchase, with 99 originations. The 2nd most popular reason was Cash Out Refi, with 53 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 122 $26,510,000 $217,295 $1,471 4.37%
    15 Year 39 $5,095,000 $130,641 $1,074 3.28%
    10 Year 11 $755,000 $68,636 $702 4.37%
    20 Year 5 $1,155,000 $231,000 $1,265 3.75%
    5 Year 5 $635,000 $127,000 $172 4.96%
    Other 4 $390,000 $97,500 $967 5.56%
    3 Year 1 $65,000 $65,000 $0 5.88%

    For 2022, Fox Valley Savings Bank's most frequently cited loan duration was 30 Year, with 122 originations. The 2nd most popular length was 15 Year, with 39 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 183 $33,945,000 $185,492

    Fox Valley Savings Bank's average total fees were $1,471, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 183 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 71 $13,375,000 $188,380
    4-5% 41 $7,255,000 $176,951
    5-6% 39 $9,365,000 $240,128
    2.5-3% 26 $3,670,000 $141,154
    6-7% 5 $395,000 $79,000
    <2.5% 3 $515,000 $171,667
    7-8% 2 $30,000 $15,000

    During 2022, Fox Valley Savings Bank's average interest rate for loans was 4.37%, while their most frequently originated rate bucket for loans was 3-4%, with 71 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 69 $9,715,000 $140,797 $1,285 4.01%
    $100,000 or less 53 $3,655,000 $68,962 $1,029 4.29%
    $200k-400k 53 $14,695,000 $277,264 $1,500 4.20%
    $400k-600k 10 $4,830,000 $483,000 $1,893 4.51%
    $1MM+ 1 $1,105,000 $1,105,000 $1,845 5.38%
    $600k-1MM 1 $605,000 $605,000 $970 4.13%

    2022 saw Fox Valley Savings Bank place emphasis on $100k-200k loans with 69 originations, totaling $9,715,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 48 $11,160,000 $232,500 $1,330 4.04%
    $75k-100k 41 $7,195,000 $175,488 $1,252 4.26%
    $50k-75k 40 $5,060,000 $126,500 $1,260 4.43%
    $50k or less 37 $3,625,000 $97,973 $1,249 3.97%
    $150k-250k 11 $3,645,000 $331,364 $1,415 4.05%
    $250k+ 5 $2,855,000 $571,000 $2,142 4.60%

    Fox Valley Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 48 originations. The second most popular income band? $75k-100k, with 41 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 54 $9,760,000 $180,741 $1,353 4.10%
    30-36% 43 $9,035,000 $210,116 $1,215 4.19%
    <20% 30 $4,570,000 $152,333 $1,236 3.97%
    41% 12 $2,720,000 $226,667 $1,477 4.01%
    39% 9 $1,535,000 $170,556 $1,167 3.50%
    37% 9 $1,555,000 $172,778 $1,365 4.72%
    40% 7 $1,645,000 $235,000 $1,459 5.07%
    36% 7 $975,000 $139,286 $1,445 4.43%
    42% 6 $680,000 $113,333 $1,174 4.08%
    38% 4 $1,120,000 $280,000 $1,954 4.28%
    43% 1 $335,000 $335,000 $1,328 4.50%
    44% 1 $15,000 $15,000 $172 6.25%

    Fox Valley Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 54 originations. The next most common DTI ratio? 30-36%, with 43 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 175 $32,295,000 $184,543 $1,305 4.15%
    Not provided 6 $940,000 $156,667 $1,160 4.77%
    Not applicable 2 $530,000 $265,000 $0 4.54%
    Asian 2 $470,000 $235,000 $1,910 3.88%
    Black 2 $370,000 $185,000 $1,508 4.56%

    Approval Rates

    Total approvals of all applications
    90.19%

    Fox Valley Savings Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    96.79%

    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 187 $34,605,000 $185,053

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    187 $34,605,000 $185,053

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 18 $1,660,000 $92,222 $1,019 3.67%
    40-60% 30 $5,160,000 $172,000 $1,100 3.52%
    60-80% 66 $13,330,000 $201,970 $1,355 4.17%
    80-100% 63 $14,075,000 $223,413 $1,569 4.39%
    Under 20% 10 $380,000 $38,000 $540 5.71%