Fox Communities Mortgage Rates, Fees & Info

Appleton, WI

LEI: 549300FUMS21JPQM1N03

Tax ID: 39-0738415

5 stars - Updated: 3/17/24 - out of 5 stars, based on 56 reviews

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

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Mortgage Data

Review & Overview

Fox Communities is a smaller mortgage company specializing in Home Purchase loans. Fox Communities has a high proportion of conventional loans. Their top markets by origination volume include: Green Bay, Appleton, Oshkosh, Manitowoc, and Shawano among others. We have data for 27 markets. (Some data included below & more in-depth data is available with an active subscription.)

Fox Communities has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Fox Communities 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.50% 3/17/24
30 Year Conventional Purchase 6.33% 3/17/24
30 Year Conventional Refi 6.30% 3/17/24
30 Year Cash-out Refi 6.38% 3/17/24
15 Year Conventional Purchase 6.20% 3/17/24
15 Year Conventional Refi 5.83% 3/17/24
15 Year Cash-out Refi 5.83% 3/17/24
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 Communities Mortgage Calculator






Your Estimates

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

This is not an official calculator from Fox Communities. 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

3,170

Origination Dollar Volume (All Markets)

$398,090,000
Show all (8) awards

Relative Rate

Fox Communities's average 30 year fixed mortgage rate was 3.97%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.79%.

Relative Fees (Closing Costs)

Fox Communities's average total fees/closing costs for a 30 year fixed rate mortgage were $825.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

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
GREEN BAY, WI (FHA|USDA|VA) 1,165 $149,175,000 $128,047 $651 3.95%
APPLETON, WI (FHA|USDA|VA) 1,037 $123,105,000 $118,713 $666 3.92%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 283 $39,495,000 $139,558 $723 4.07%
Outside of Metro Areas 297 $35,895,000 $120,859 $824 3.89%
Manitowoc, WI (FHA|USDA|VA) 159 $16,245,000 $102,170 $795 4.17%
Shawano, WI (FHA|USDA|VA) 108 $12,370,000 $114,537 $891 4.13%
Marinette, WI-MI (FHA|USDA|VA) 42 $4,580,000 $109,048 $851 3.72%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 19 $4,405,000 $231,842 $748 4.06%
FOND DU LAC, WI (FHA|USDA|VA) 16 $2,450,000 $153,125 $761 4.25%
Stevens Point, WI (FHA|USDA|VA) 7 $1,425,000 $203,571 $1,071 3.69%
WAUSAU-WESTON, WI (FHA|USDA|VA) 6 $1,370,000 $228,333 $1,249 3.29%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $1,080,000 $540,000 $0 4.13%
SHEBOYGAN, WI (FHA|USDA|VA) 5 $1,015,000 $203,000 $95 3.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $745,000 $745,000 $0 5.15%
Sevierville, TN (FHA|USDA|VA) 1 $745,000 $745,000 $0 5.75%
Iron Mountain, MI-WI (FHA|USDA|VA) 6 $680,000 $113,333 $920 4.73%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $610,000 $305,000 $0 4.68%
MADISON, WI (FHA|USDA|VA) 3 $605,000 $201,667 $0 3.33%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $400,000 $200,000 $0 3.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $375,000 $375,000 $0 6.81%
RACINE, WI (FHA|USDA|VA) 1 $295,000 $295,000 $2,131 5.38%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $260,000 $130,000 $0 3.43%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.30%
Beaver Dam, WI (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.25%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $135,000 $135,000 $2,766 4.38%
Marquette, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.00%
Fox Communities's top markets include Green Bay, Appleton, Oshkosh, Manitowoc, and Shawano among others.

Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Similar Lenders

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

    Horicon Bank
    Similarity Rank: 154
    PROSPERA Credit Union
    Similarity Rank: 168
    UNITEDONE Credit Union
    Similarity Rank: 220
    CIBM Bank
    Similarity Rank: 256
    Fox Valley Savings Bank
    Similarity Rank: 350
    Wolf River Community Bank
    Similarity Rank: 405
    Settlers Bank
    Similarity Rank: 432
    The Bank of Kaukauna
    Similarity Rank: 484
    Bank of Luxemburg
    Similarity Rank: 513

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,159 $330,485,000 $153,073 $700 3.88%
    HELOC 1,011 $67,605,000 $66,869 n/a 4.14%

    For 2022, Fox Communities's most frequently originated type of loan was Conventional, with 2,159 originations. Their 2nd most popular type was HELOC, with 1,011 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 947 $205,845,000 $217,365 $1,072 4.07%
    Home Improvement 926 $54,640,000 $59,006 $265 4.01%
    Other 547 $40,255,000 $73,592 $287 4.08%
    Cash Out Refi 492 $68,390,000 $139,004 $647 3.70%
    Refi 258 $28,960,000 $112,248 $447 3.68%

    For 2022, Fox Communities's most frequently cited loan purpose was Home Purchase, with 947 originations. The 2nd most popular reason was Home Improvement, with 926 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,402 $322,910,000 $134,434 $825 3.97%
    5 Year 228 $31,700,000 $139,035 $178 4.28%
    15 Year 194 $13,370,000 $68,918 $506 3.77%
    10 Year 151 $14,705,000 $97,384 $416 3.13%
    20 Year 149 $11,405,000 $76,544 $457 4.10%
    Other 42 $3,540,000 $84,286 $370 4.75%
    1 Year 4 $460,000 $115,000 $0 7.59%

    For 2022, Fox Communities's most frequently cited loan duration was 30 Year, with 2,402 originations. The 2nd most popular length was 5 Year, with 228 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,008 $298,850,000 $148,830
    $1k-2k 2 $440,000 $220,000
    $2k-3k 1 $105,000 $105,000
    $3k-4k 1 $175,000 $175,000

    Fox Communities's average total fees were $825, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,008 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,178 $165,100,000 $140,153
    2.5-3% 772 $93,760,000 $121,451
    4-5% 615 $72,645,000 $118,122
    5-6% 270 $31,720,000 $117,481
    <2.5% 153 $15,635,000 $102,190
    6-7% 134 $15,680,000 $117,015
    7-8% 33 $2,505,000 $75,909
    Over 8% 15 $1,045,000 $69,667

    During 2022, Fox Communities's average interest rate for loans was 3.97%, while their most frequently originated rate bucket for loans was 3-4%, with 1,178 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,683 $82,225,000 $48,856 $366 4.02%
    $100k-200k 906 $129,400,000 $142,826 $807 3.92%
    $200k-400k 485 $128,315,000 $264,567 $1,042 3.89%
    $400k-600k 71 $32,725,000 $460,915 $1,289 3.77%
    $600k-1MM 22 $16,020,000 $728,182 $1,748 3.82%
    $1MM+ 3 $9,405,000 $3,135,000 $2,515 3.26%

    2022 saw Fox Communities place emphasis on $100,000 or less loans with 1,683 originations, totaling $82,225,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 817 $85,155,000 $104,229 $729 3.90%
    $50k or less 705 $62,235,000 $88,277 $635 3.94%
    $100k-150k 642 $84,900,000 $132,243 $685 3.87%
    $75k-100k 560 $68,240,000 $121,857 $676 3.94%
    $150k-250k 250 $47,820,000 $191,280 $844 3.80%
    $250k+ 57 $20,285,000 $355,877 $942 3.97%

    Fox Communities lent most frequently to those with incomes in the $50k-75k range, with 817 originations. The second most popular income band? $50k or less, with 705 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 893 $101,465,000 $113,623 $661 3.80%
    30-36% 548 $61,090,000 $111,478 $685 3.89%
    <20% 345 $35,685,000 $103,435 $503 3.65%
    41% 111 $15,725,000 $141,667 $757 3.90%
    39% 108 $14,050,000 $130,093 $834 4.06%
    37% 105 $14,375,000 $136,905 $785 4.07%
    36% 101 $12,325,000 $122,030 $829 4.09%
    44% 92 $13,210,000 $143,587 $539 4.14%
    43% 91 $12,825,000 $140,934 $796 3.90%
    42% 90 $11,740,000 $130,444 $1,067 4.17%
    38% 90 $11,730,000 $130,333 $805 4.06%
    40% 88 $10,160,000 $115,455 $629 4.03%
    50-60% 83 $14,895,000 $179,458 $685 4.06%
    45% 67 $8,935,000 $133,358 $991 4.25%
    46% 50 $6,990,000 $139,800 $758 4.03%
    48% 48 $6,430,000 $133,958 $673 4.25%
    49% 35 $4,715,000 $134,714 $590 3.81%
    47% 31 $4,995,000 $161,129 $888 3.86%
    >60% 15 $2,115,000 $141,000 $676 3.74%

    Fox Communities lent most frequently to those with DTI ratios of 20-30%, with 893 originations. The next most common DTI ratio? 30-36%, with 548 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,881 $349,085,000 $121,168 $707 3.91%
    Not applicable 118 $27,140,000 $230,000 $0 5.09%
    Not provided 90 $11,100,000 $123,333 $542 3.97%
    Asian 51 $6,815,000 $133,627 $640 4.03%
    Black 11 $1,755,000 $159,545 $387 4.37%
    American Indian 13 $1,655,000 $127,308 $737 3.83%
    Asian Indian 3 $365,000 $121,667 $0 4.74%
    Native Hawaiian or Islander 2 $160,000 $80,000 $0 3.99%
    Filipino 1 $15,000 $15,000 $0 8.50%

    Approval Rates

    Total approvals of all applications
    96.85%

    Fox Communities 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
    85.68%

    Fox Communities has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,170 $398,090,000 $125,580

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,170 $398,090,000 $125,580

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 670 $45,280,000 $67,582 $330 3.98%
    40-60% 365 $44,605,000 $122,205 $637 3.80%
    60-80% 706 $138,990,000 $196,870 $828 3.84%
    80-100% 645 $137,645,000 $213,403 $1,048 4.03%
    Over 100% 20 $5,760,000 $288,000 $0 5.29%
    Under 20% 762 $25,580,000 $33,570 $231 4.04%