Fox Communities Mortgage Rates, Fees & Info

Appleton, WI

LEI: 549300FUMS21JPQM1N03

Tax ID: 39-0738415

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 Communities is a smaller mortgage company specializing in Other, Home Purchase, and Refi loans. Fox Communities has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Green Bay, Oshkosh, Racine, and Manitowoc among others. We have data for 18 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% 11/22/24
    30 Year Conventional Purchase 6.33% 11/22/24
    30 Year Conventional Refi 6.30% 11/22/24
    30 Year Cash-out Refi 6.38% 11/22/24
    15 Year Conventional Purchase 6.20% 11/22/24
    15 Year Conventional Refi 5.83% 11/22/24
    15 Year Cash-out Refi 5.83% 11/22/24
    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

    2,564

    Origination Dollar Volume (All Markets)

    $373,030,000
    Show all (15) 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
    APPLETON, WI (FHA|USDA|VA) 905 $164,875,000 $182,182 $922 4.04%
    GREEN BAY, WI (FHA|USDA|VA) 932 $103,810,000 $111,384 $921 4.06%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 215 $30,805,000 $143,279 $1,034 4.09%
    Outside of Metro Areas 279 $29,985,000 $107,473 $895 4.07%
    RACINE, WI (FHA|USDA|VA) 2 $19,910,000 $9,955,000 $1,963 3.83%
    Manitowoc, WI (FHA|USDA|VA) 88 $8,460,000 $96,136 $1,075 4.24%
    Shawano, WI (FHA|USDA|VA) 78 $7,360,000 $94,359 $917 4.28%
    Marinette, WI-MI (FHA|USDA|VA) 31 $2,415,000 $77,903 $749 4.14%
    SHEBOYGAN, WI (FHA|USDA|VA) 4 $1,020,000 $255,000 $1,706 3.59%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 5 $935,000 $187,000 $1,278 3.73%
    Bozeman, MT (FHA|USDA|VA) 1 $605,000 $605,000 $0 3.99%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 5 $605,000 $121,000 $1,969 4.30%
    Iron Mountain, MI-WI (FHA|USDA|VA) 6 $590,000 $98,333 $1,052 3.50%
    FOND DU LAC, WI (FHA|USDA|VA) 6 $560,000 $93,333 $1,656 4.25%
    Marquette, MI (FHA|USDA|VA) 3 $455,000 $151,667 $1,529 3.92%
    Stevens Point, WI (FHA|USDA|VA) 2 $320,000 $160,000 $1,750 3.63%
    Baraboo, WI (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.50%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,032 4.00%
    Fox Communities's top markets include Appleton, Green Bay, Oshkosh, Racine, and Manitowoc among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)
  • Michigan (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: 55
    PROSPERA Credit Union
    Similarity Rank: 70
    Fox Valley Savings Bank
    Similarity Rank: 98
    Horicon Bank
    Similarity Rank: 112
    The Bank of Kaukauna
    Similarity Rank: 119
    Landmark Credit Union
    Similarity Rank: 161
    PCM
    Similarity Rank: 357
    UNISON CREDIT UNION
    Similarity Rank: 368
    mBank
    Similarity Rank: 420
    CAPITAL Credit Union
    Similarity Rank: 592

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,273 $358,415,000 $157,684 $940 3.89%
    HELOC 291 $14,615,000 $50,223 n/a 5.46%

    For 2019, Fox Communities's most frequently originated type of loan was Conventional, with 2,273 originations. Their 2nd most popular type was HELOC, with 291 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 1,000 $81,790,000 $81,790 $355 4.11%
    Home Purchase 744 $126,220,000 $169,651 $1,749 3.99%
    Home Improvement 497 $31,395,000 $63,169 $354 4.21%
    Cash Out Refi 190 $31,120,000 $163,789 $1,458 3.88%
    Refi 133 $102,505,000 $770,714 $1,525 3.94%

    For 2019, Fox Communities's most frequently cited loan purpose was Other, with 1,000 originations. The 2nd most popular reason was Home Purchase, with 744 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,452 $182,600,000 $125,758 $1,236 4.10%
    15 Year 378 $35,760,000 $94,603 $851 3.87%
    5 Year 287 $60,135,000 $209,530 $205 4.33%
    10 Year 238 $76,490,000 $321,387 $340 3.71%
    20 Year 160 $13,220,000 $82,625 $659 4.27%
    Other 44 $3,960,000 $90,000 $306 4.17%
    1 Year 3 $635,000 $211,667 $0 5.58%
    3 Year 2 $230,000 $115,000 $2,100 5.25%

    For 2019, Fox Communities's most frequently cited loan duration was 30 Year, with 1,452 originations. The 2nd most popular length was 15 Year, with 378 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,118 $236,350,000 $111,591
    $1k-2k 7 $1,315,000 $187,857

    Fox Communities's average total fees were $1,236, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,118 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,425 $237,205,000 $166,460
    4-5% 646 $90,530,000 $140,139
    5-6% 290 $19,800,000 $68,276
    2.5-3% 151 $23,035,000 $152,550
    6-7% 47 $2,365,000 $50,319
    7-8% 3 $55,000 $18,333
    Over 8% 2 $40,000 $20,000

    During 2019, Fox Communities's average interest rate for loans was 4.10%, while their most frequently originated rate bucket for loans was 3-4%, with 1,425 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,398 $66,770,000 $47,761 $533 4.26%
    $100k-200k 855 $121,685,000 $142,322 $1,270 3.87%
    $200k-400k 276 $69,810,000 $252,935 $1,606 3.71%
    $400k-600k 16 $7,380,000 $461,250 $1,737 4.09%
    $1MM+ 12 $102,700,000 $8,558,333 $1,810 4.37%
    $600k-1MM 7 $4,685,000 $669,286 $2,419 3.64%

    2019 saw Fox Communities place emphasis on $100,000 or less loans with 1,398 originations, totaling $66,770,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 645 $61,775,000 $95,775 $949 3.98%
    $50k or less 630 $45,920,000 $72,889 $831 4.12%
    $100k-150k 506 $62,290,000 $123,103 $1,004 4.03%
    $75k-100k 483 $54,375,000 $112,578 $1,016 4.02%
    $150k-250k 157 $22,735,000 $144,809 $898 4.08%
    $250k+ 30 $9,100,000 $303,333 $932 3.86%

    Fox Communities lent most frequently to those with incomes in the $50k-75k range, with 645 originations. The second most popular income band? $50k or less, with 630 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 673 $67,435,000 $100,201 $951 3.99%
    30-36% 528 $57,590,000 $109,072 $1,031 4.04%
    <20% 358 $31,560,000 $88,156 $727 3.95%
    39% 104 $10,820,000 $104,038 $991 4.17%
    40% 101 $9,785,000 $96,881 $865 4.12%
    38% 99 $11,845,000 $119,646 $1,139 3.96%
    36% 89 $9,545,000 $107,247 $1,013 4.11%
    41% 87 $13,385,000 $153,851 $1,147 4.08%
    37% 80 $8,700,000 $108,750 $1,056 4.10%
    42% 73 $7,795,000 $106,781 $997 4.12%
    50-60% 41 $3,365,000 $82,073 $487 4.28%
    43% 39 $5,295,000 $135,769 $1,221 3.98%
    44% 37 $4,245,000 $114,730 $722 3.84%
    >60% 33 $3,685,000 $111,667 $659 3.92%
    45% 25 $2,315,000 $92,600 $784 4.24%
    46% 22 $2,260,000 $102,727 $711 4.11%
    47% 16 $1,500,000 $93,750 $697 4.30%
    48% 10 $920,000 $92,000 $630 4.80%
    49% 7 $685,000 $97,857 $624 3.53%

    Fox Communities lent most frequently to those with DTI ratios of 20-30%, with 673 originations. The next most common DTI ratio? 30-36%, with 528 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,351 $245,885,000 $104,587 $930 4.03%
    Not applicable 112 $116,730,000 $1,042,232 $0 4.71%
    Not provided 61 $5,565,000 $91,230 $1,089 4.44%
    Asian 26 $3,440,000 $132,308 $1,616 4.28%
    American Indian 8 $660,000 $82,500 $990 3.97%
    Black 3 $445,000 $148,333 $1,649 4.04%
    Native Hawaiian or Islander 2 $190,000 $95,000 $117 3.38%
    Asian Indian 1 $115,000 $115,000 $0 6.50%

    Approval Rates

    Total approvals of all applications
    94.91%

    Fox Communities has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.64%

    Fox Communities has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,564 $373,030,000 $145,488

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 19 $100,325,000 $5,280,263
    Single Family (1-4 Units):Manufactured 22 $1,620,000 $73,636
    Single Family (1-4 Units):Site-Built 2,523 $271,085,000 $107,446

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 420 $25,630,000 $61,024 $365 4.20%
    40-60% 302 $31,960,000 $105,828 $694 3.93%
    60-80% 761 $137,725,000 $180,979 $1,064 3.87%
    80-100% 560 $95,760,000 $171,000 $1,655 3.89%
    Over 100% 9 $5,945,000 $660,556 $0 4.33%
    Under 20% 511 $13,405,000 $26,233 $290 4.52%