Fox Communities Mortgage Rates, Fees & Info

Appleton, WI

LEI: 549300FUMS21JPQM1N03

Tax ID: 39-0738415

5 stars - Updated: 12/29/24 - out of 5 stars, based on 45 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • 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 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, Milwaukee, and Madison 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 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.

    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% 12/29/24
    30 Year Conventional Purchase 6.33% 12/29/24
    30 Year Conventional Refi 6.30% 12/29/24
    30 Year Cash-out Refi 6.38% 12/29/24
    15 Year Conventional Purchase 6.20% 12/29/24
    15 Year Conventional Refi 5.83% 12/29/24
    15 Year Cash-out Refi 5.83% 12/29/24
    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

    1,999

    Origination Dollar Volume (All Markets)

    $309,255,000
    Show all (10) awards

    Relative Rate

    Fox Communities's average 30 year fixed mortgage rate was 6.9%.

    The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

    This yields a difference of 0.42%.

    Relative Fees (Closing Costs)

    Fox Communities's average total fees/closing costs for a 30 year fixed rate mortgage were $722.

    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 $9,089.

    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) 744 $92,470,000 $124,288 $506 6.81%
    APPLETON, WI (FHA|USDA|VA) 608 $86,250,000 $141,859 $516 6.70%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 216 $34,380,000 $159,167 $657 6.79%
    Outside of Metro Areas 182 $25,120,000 $138,022 $683 6.83%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 17 $18,795,000 $1,105,588 $415 6.95%
    MADISON, WI (FHA|USDA|VA) 2 $13,000,000 $6,500,000 $0 6.75%
    Manitowoc, WI (FHA|USDA|VA) 88 $9,660,000 $109,773 $563 7.02%
    Shawano, WI (FHA|USDA|VA) 55 $7,795,000 $141,727 $577 6.99%
    Marinette, WI-MI (FHA|USDA|VA) 35 $4,515,000 $129,000 $864 6.83%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $4,355,000 $4,355,000 $0 5.94%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $3,240,000 $1,620,000 $0 5.99%
    Carroll, IA (FHA|USDA|VA) 1 $2,505,000 $2,505,000 $0 5.94%
    FOND DU LAC, WI (FHA|USDA|VA) 16 $1,840,000 $115,000 $152 7.05%
    SHEBOYGAN, WI (FHA|USDA|VA) 6 $1,170,000 $195,000 $403 6.48%
    Stevens Point, WI (FHA|USDA|VA) 5 $735,000 $147,000 $519 6.73%
    Iron Mountain, MI-WI (FHA|USDA|VA) 7 $725,000 $103,571 $1,633 7.23%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 3 $525,000 $175,000 $203 6.17%
    Baraboo, WI (FHA|USDA|VA) 1 $435,000 $435,000 $0 6.13%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $435,000 $435,000 $0 8.75%
    RACINE, WI (FHA|USDA|VA) 1 $275,000 $275,000 $0 6.38%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.38%
    Sevierville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $0 7.73%
    ROCKFORD, IL (FHA|USDA|VA) 1 $175,000 $175,000 $2,426 7.75%
    Beaver Dam, WI (FHA|USDA|VA) 2 $170,000 $85,000 $0 6.19%
    Escanaba, MI (FHA|USDA|VA) 1 $85,000 $85,000 $1,724 6.13%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $75,000 $75,000 $210 7.00%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $35,000 $35,000 $85 5.63%
    Fox Communities's top markets include Green Bay, Appleton, Oshkosh, Milwaukee, and Madison among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Tennessee (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.

    UNITEDONE Credit Union
    Similarity Rank: 18
    National Exchange Bank and Trust
    Similarity Rank: 56
    PCM
    Similarity Rank: 64
    PROSPERA Credit Union
    Similarity Rank: 77
    Fox Valley Savings Bank
    Similarity Rank: 176
    UNISON CREDIT UNION
    Similarity Rank: 234
    Bank of Luxemburg
    Similarity Rank: 297
    North Shore Bank FSB
    Similarity Rank: 440
    Fortifi Bank
    Similarity Rank: 448
    CAPITAL Credit Union
    Similarity Rank: 558

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,637 $277,935,000 $169,783 $551 6.44%
    HELOC 362 $31,320,000 $86,519 n/a 8.39%

    For 2023, Fox Communities's most frequently originated type of loan was Conventional, with 1,637 originations. Their 2nd most popular type was HELOC, with 362 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 689 $191,165,000 $277,453 $1,016 6.48%
    Home Improvement 658 $38,540,000 $58,571 $198 7.07%
    Other 427 $35,585,000 $83,337 $169 7.01%
    Cash Out Refi 138 $21,350,000 $154,710 $568 6.42%
    Refi 87 $22,615,000 $259,943 $329 6.70%

    For 2023, Fox Communities's most frequently cited loan purpose was Home Purchase, with 689 originations. The 2nd most popular reason was Home Improvement, with 658 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,327 $194,325,000 $146,439 $722 6.90%
    15 Year 195 $12,955,000 $66,436 $251 6.35%
    20 Year 187 $12,645,000 $67,620 $280 6.79%
    5 Year 173 $57,325,000 $331,358 $78 6.66%
    10 Year 87 $7,495,000 $86,149 $361 6.11%
    Other 26 $23,870,000 $918,077 $289 7.58%
    3 Year 2 $440,000 $220,000 $0 8.88%
    1 Year 2 $200,000 $100,000 $0 6.39%

    For 2023, Fox Communities's most frequently cited loan duration was 30 Year, with 1,327 originations. The 2nd most popular length was 15 Year, with 195 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,533 $199,355,000 $130,042
    $1k-2k 1 $355,000 $355,000

    Fox Communities's average total fees were $722, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,533 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 821 $127,635,000 $155,463
    5-6% 503 $77,115,000 $153,310
    7-8% 344 $73,850,000 $214,680
    Over 8% 316 $26,420,000 $83,608
    4-5% 10 $3,440,000 $344,000
    3-4% 4 $770,000 $192,500

    During 2023, Fox Communities's average interest rate for loans was 6.90%, while their most frequently originated rate bucket for loans was 6-7%, with 821 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,122 $53,800,000 $47,950 $229 6.92%
    $100k-200k 446 $65,000,000 $145,740 $767 6.76%
    $200k-400k 357 $96,905,000 $271,443 $1,100 6.45%
    $400k-600k 45 $21,505,000 $477,889 $963 6.57%
    $1MM+ 17 $63,525,000 $3,736,765 $3,056 6.73%
    $600k-1MM 12 $8,520,000 $710,000 $1,011 6.79%

    2023 saw Fox Communities place emphasis on $100,000 or less loans with 1,122 originations, totaling $53,800,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 503 $46,735,000 $92,913 $490 6.83%
    $100k-150k 456 $63,510,000 $139,276 $540 6.70%
    $75k-100k 378 $44,970,000 $118,968 $647 6.71%
    $50k or less 303 $21,895,000 $72,261 $497 6.77%
    $150k-250k 200 $37,650,000 $188,250 $655 6.90%
    $250k+ 58 $16,660,000 $287,241 $479 6.84%

    Fox Communities lent most frequently to those with incomes in the $50k-75k range, with 503 originations. The second most popular income band? $100k-150k, with 456 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 453 $47,965,000 $105,883 $509 6.74%
    30-36% 365 $46,455,000 $127,274 $568 6.67%
    <20% 132 $17,010,000 $128,864 $483 6.78%
    43% 82 $10,800,000 $131,707 $467 6.86%
    36% 79 $9,715,000 $122,975 $686 6.64%
    50-60% 73 $10,785,000 $147,740 $512 6.87%
    41% 71 $7,795,000 $109,789 $540 6.86%
    38% 70 $8,770,000 $125,286 $871 6.86%
    40% 70 $8,680,000 $124,000 $676 6.89%
    42% 66 $8,220,000 $124,545 $381 6.65%
    37% 65 $7,835,000 $120,538 $516 6.49%
    39% 64 $7,090,000 $110,781 $742 6.94%
    44% 62 $8,970,000 $144,677 $473 6.80%
    45% 59 $6,335,000 $107,373 $571 6.79%
    46% 51 $7,055,000 $138,333 $168 6.93%
    47% 43 $4,835,000 $112,442 $403 7.02%
    48% 35 $5,665,000 $161,857 $876 6.93%
    49% 25 $3,355,000 $134,200 $605 6.92%
    >60% 13 $1,725,000 $132,692 $1,245 7.10%

    Fox Communities lent most frequently to those with DTI ratios of 20-30%, with 453 originations. The next most common DTI ratio? 30-36%, with 365 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,808 $218,820,000 $121,029 $543 6.77%
    Not applicable 99 $77,505,000 $782,879 $0 7.16%
    Asian 33 $6,205,000 $188,030 $711 6.77%
    Not provided 34 $3,900,000 $114,706 $755 6.77%
    American Indian 12 $1,180,000 $98,333 $989 7.08%
    Black 9 $1,115,000 $123,889 $175 7.10%
    Other Asian 1 $205,000 $205,000 $2,113 5.88%
    Filipino 1 $165,000 $165,000 $1,311 5.50%
    Native Hawaiian or Islander 2 $160,000 $80,000 $304 6.50%

    Approval Rates

    Total approvals of all applications
    96.09%

    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
    87.69%

    Fox Communities has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,999 $309,255,000 $154,705

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,999 $309,255,000 $154,705

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 455 $33,535,000 $73,703 $278 6.96%
    40-60% 204 $39,260,000 $192,451 $542 6.82%
    60-80% 355 $114,715,000 $323,141 $915 6.70%
    80-100% 366 $84,000,000 $229,508 $1,101 6.44%
    Over 100% 4 $14,570,000 $3,642,500 $0 6.85%
    Under 20% 614 $22,920,000 $37,329 $131 6.91%