Fox Communities Mortgage Rates, Fees & Info
Appleton, WILEI: 549300FUMS21JPQM1N03
Tax ID: 39-0738415
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Mortgage Data
Review & Overview
Fox Communities is a smaller mortgage company specializing in Other and Home Purchase loans. Fox Communities has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Green Bay, Oshkosh, Manitowoc, and Shawano among others. We have data for 19 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.50% | 4/21/24 |
| 30 Year Conventional Purchase | 6.33% | 4/21/24 |
| 30 Year Conventional Refi | 6.30% | 4/21/24 |
| 30 Year Cash-out Refi | 6.38% | 4/21/24 |
| 15 Year Conventional Purchase | 6.20% | 4/21/24 |
| 15 Year Conventional Refi | 5.83% | 4/21/24 |
| 15 Year Cash-out Refi | 5.83% | 4/21/24 |
| 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. | ||
Fox Communities Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,044Origination Dollar Volume (All Markets)
$411,700,000Awards
FOX COMMUNITIES - 2020
FOX COMMUNITIES is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 1,114 | $159,460,000 | $143,142 | $1,077 | 3.29% |
| GREEN BAY, WI (FHA|USDA|VA) | 1,081 | $141,765,000 | $131,142 | $1,080 | 3.33% |
| Outside of Metro Areas | 290 | $38,640,000 | $133,241 | $1,215 | 3.35% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 244 | $31,970,000 | $131,025 | $1,031 | 3.35% |
| Manitowoc, WI (FHA|USDA|VA) | 131 | $13,865,000 | $105,840 | $1,242 | 3.41% |
| Shawano, WI (FHA|USDA|VA) | 86 | $10,540,000 | $122,558 | $1,154 | 3.32% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 27 | $5,615,000 | $207,963 | $1,324 | 3.46% |
| Marinette, WI-MI (FHA|USDA|VA) | 32 | $3,160,000 | $98,750 | $1,285 | 3.22% |
| FOND DU LAC, WI (FHA|USDA|VA) | 17 | $1,535,000 | $90,294 | $1,365 | 3.65% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $0 | 3.75% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $1,804 | 3.69% |
| MADISON, WI (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $2,138 | 3.08% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $1,367 | 3.29% |
| Stevens Point, WI (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $1,227 | 3.25% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,476 | 3.38% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 4.10% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,852 | 2.88% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,639 | 3.44% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $495 | 3.38% |
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.
Similarity Rank: 112
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,762 | $395,550,000 | $143,211 | $1,107 | 3.27% |
| HELOC | 282 | $16,150,000 | $57,270 | n/a | 3.89% |
For 2020, Fox Communities's most frequently originated type of loan was Conventional, with 2,762 originations. Their 2nd most popular type was HELOC, with 282 originations.
Loan Reason
For 2020, Fox Communities's most frequently cited loan purpose was Other, with 880 originations. The 2nd most popular reason was Home Purchase, with 741 originations.
Loan Duration/Length
For 2020, Fox Communities's most frequently cited loan duration was 30 Year, with 1,549 originations. The 2nd most popular length was 15 Year, with 579 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 2,574 | $339,770,000 | $132,001 |
| $1k-2k | 4 | $820,000 | $205,000 |
Fox Communities's average total fees were $1,348, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,574 originations.
Interest Rates
During 2020, Fox Communities's average interest rate for loans was 3.44%, while their most frequently originated rate bucket for loans was 3-4%, with 1,726 originations.
Loan Sizing
2020 saw Fox Communities place emphasis on $100,000 or less loans with 1,317 originations, totaling $71,095,000 in origination value.
Applicant Income
Fox Communities lent most frequently to those with incomes in the $50k-75k range, with 748 originations. The second most popular income band? $100k-150k, with 702 originations.
Applicant Debt to Income Ratio
Fox Communities lent most frequently to those with DTI ratios of 20-30%, with 904 originations. The next most common DTI ratio? 30-36%, with 655 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.98%
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 origination69.51%
Fox Communities has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,044 | $411,700,000 | $135,250 |