Fond Du Lac Mortgage Rates, Fees & Info
Fond du Lac, WILEI: 54930064VBVLXORPKL16
Tax ID: 39-0936240
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Mortgage Data
Review & Overview
Fond Du Lac is a smaller mortgage company specializing in Cash Out Refi, Refi, and Home Purchase loans. Fond Du Lac has a high proportion of conventional loans. Their top two markets are Fond Du Lac and Oshkosh .Fond Du Lac has an average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Fond Du Lac 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 relatively high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.43% | 11/21/24 |
| 30 Year Conventional Refi | 6.11% | 11/21/24 |
| 30 Year Cash-out Refi | 6.91% | 11/21/24 |
| 15 Year Conventional Refi | 7.30% | 11/21/24 |
| 15 Year Cash-out Refi | 7.30% | 11/21/24 |
| 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. | ||
Fond Du Lac Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
26Origination Dollar Volume (All Markets)
$2,050,000Top 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) | 24 | $1,920,000 | $80,000 | $762 | 5.29% |
| Outside of Metro Areas | 1 | $85,000 | $85,000 | $1,018 | 3.13% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,044 | 9.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against FOND DU LAC based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 26 | $2,050,000 | $78,846 | $783 | 5.37% |
For 2022, Fond Du Lac's most frequently originated type of loan was Conventional, with 26 originations.
Loan Reason
For 2022, Fond Du Lac's most frequently cited loan purpose was Cash Out Refi, with 10 originations. The 2nd most popular reason was Refi, with 8 originations.
Loan Duration/Length
For 2022, Fond Du Lac's most frequently cited loan duration was 30 Year, with 8 originations. The 2nd most popular length was 15 Year, with 6 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 26 | $2,050,000 | $78,846 |
Fond Du Lac's average total fees were $1,143, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 26 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 7 | $485,000 | $69,286 |
| 5-6% | 7 | $805,000 | $115,000 |
| 3-4% | 6 | $430,000 | $71,667 |
| Over 8% | 3 | $205,000 | $68,333 |
| 6-7% | 2 | $100,000 | $50,000 |
| 7-8% | 1 | $25,000 | $25,000 |
During 2022, Fond Du Lac's average interest rate for loans was 5.23%, while their most frequently originated rate bucket for loans was 4-5%, with 7 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 18 | $960,000 | $53,333 | $727 | 5.42% |
| $100k-200k | 8 | $1,090,000 | $136,250 | $909 | 5.27% |
2022 saw Fond Du Lac place emphasis on $100,000 or less loans with 18 originations, totaling $960,000 in origination value.
Applicant Income
Fond Du Lac lent most frequently to those with incomes in the $50k or less range, with 8 originations. The second most popular income band? $50k-75k, with 7 originations.
Applicant Debt to Income Ratio
Fond Du Lac lent most frequently to those with DTI ratios of 20-30%, with 9 originations. The next most common DTI ratio? 30-36%, with 9 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 26 | $2,050,000 | $78,846 | $783 | 5.37% |
Approval Rates
Total approvals of all applications86.11%
Fond Du Lac has an average approval rate.
Pick Rate
Approvals leading to origination96.15%
Fond Du Lac 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 | 26 | $2,050,000 | $78,846 |