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 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.

    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

    3,044

    Origination Dollar Volume (All Markets)

    $411,700,000
    Show all (8) 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) 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%
    Fox Communities's top markets include Appleton, Green Bay, Oshkosh, Manitowoc, and Shawano among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • North Carolina (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.

    The Bank of Kaukauna
    Similarity Rank: 112
    Horicon Bank
    Similarity Rank: 160
    UNITEDONE Credit Union
    Similarity Rank: 247
    Hometown Bank
    Similarity Rank: 288
    Fox Valley Savings Bank
    Similarity Rank: 560
    Range Bank
    Similarity Rank: 580
    UNISON CREDIT UNION
    Similarity Rank: 595
    CAPITAL Credit Union
    Similarity Rank: 784
    mBank
    Similarity Rank: 799
    CIBM Bank
    Similarity Rank: 819

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 880 $92,650,000 $105,284 $673 3.34%
    Home Purchase 741 $147,695,000 $199,318 $1,920 3.40%
    Refi 593 $76,865,000 $129,621 $913 3.16%
    Home Improvement 453 $29,705,000 $65,574 $514 3.46%
    Cash Out Refi 377 $64,785,000 $171,844 $1,426 3.24%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,549 $216,635,000 $139,855 $1,348 3.44%
    15 Year 579 $79,345,000 $137,038 $1,218 3.07%
    10 Year 441 $39,975,000 $90,646 $568 2.90%
    5 Year 273 $34,755,000 $127,308 $254 3.68%
    20 Year 154 $15,620,000 $101,429 $950 3.52%
    Other 45 $24,715,000 $549,222 $542 3.77%
    1 Year 2 $390,000 $195,000 $0 4.63%
    3 Year 1 $265,000 $265,000 $0 4.25%

    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

    Loan Rate Originations Total Value Average Loan
    3-4% 1,726 $247,940,000 $143,650
    2.5-3% 1,020 $134,550,000 $131,912
    4-5% 217 $20,865,000 $96,152
    <2.5% 40 $5,840,000 $146,000
    5-6% 27 $1,165,000 $43,148
    6-7% 12 $1,230,000 $102,500
    Over 8% 2 $110,000 $55,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,317 $71,095,000 $53,983 $692 3.42%
    $100k-200k 1,211 $173,255,000 $143,068 $1,249 3.24%
    $200k-400k 464 $119,050,000 $256,573 $1,637 3.25%
    $400k-600k 36 $16,830,000 $467,500 $2,238 3.29%
    $1MM+ 8 $25,630,000 $3,203,750 $3,195 3.80%
    $600k-1MM 8 $5,840,000 $730,000 $2,137 3.67%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 748 $83,030,000 $111,003 $1,106 3.30%
    $100k-150k 702 $102,940,000 $146,638 $1,107 3.26%
    $50k or less 611 $50,495,000 $82,643 $1,048 3.38%
    $75k-100k 590 $75,220,000 $127,492 $1,138 3.28%
    $150k-250k 225 $41,895,000 $186,200 $1,174 3.22%
    $250k+ 29 $9,195,000 $317,069 $1,252 3.14%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 904 $109,920,000 $121,593 $1,076 3.24%
    30-36% 655 $84,285,000 $128,679 $1,190 3.32%
    <20% 423 $46,155,000 $109,113 $944 3.16%
    40% 117 $16,745,000 $143,120 $1,201 3.36%
    39% 94 $12,490,000 $132,872 $1,167 3.39%
    37% 90 $12,710,000 $141,222 $1,308 3.28%
    36% 85 $11,315,000 $133,118 $1,119 3.32%
    41% 81 $10,245,000 $126,481 $1,261 3.32%
    42% 78 $11,410,000 $146,282 $1,298 3.35%
    38% 65 $8,955,000 $137,769 $1,147 3.38%
    43% 58 $7,170,000 $123,621 $1,054 3.39%
    44% 48 $5,960,000 $124,167 $892 3.48%
    50-60% 43 $5,225,000 $121,512 $760 3.52%
    45% 31 $3,325,000 $107,258 $1,096 3.37%
    >60% 23 $3,085,000 $134,130 $896 3.67%
    47% 19 $1,745,000 $91,842 $989 3.45%
    46% 18 $3,130,000 $173,889 $1,689 3.26%
    49% 12 $1,230,000 $102,500 $1,145 3.30%
    48% 8 $570,000 $71,250 $902 3.56%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,713 $337,905,000 $124,550 $1,105 3.29%
    Not applicable 139 $48,925,000 $351,978 $0 3.90%
    Not provided 146 $18,110,000 $124,041 $1,119 3.38%
    Asian 26 $3,870,000 $148,846 $1,191 3.24%
    Black 8 $1,780,000 $222,500 $1,357 3.31%
    American Indian 8 $760,000 $95,000 $981 3.73%
    Other Asian 4 $350,000 $87,500 $810 3.28%

    Approval Rates

    Total approvals of all applications
    95.98%

    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 origination
    69.51%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 24 $31,450,000 $1,310,417
    Single Family (1-4 Units):Manufactured 36 $2,490,000 $69,167
    Single Family (1-4 Units):Site-Built 2,984 $377,760,000 $126,595

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 377 $23,835,000 $63,223 $586 3.34%
    40-60% 472 $55,430,000 $117,436 $921 3.15%
    60-80% 1,133 $209,345,000 $184,771 $1,200 3.26%
    80-100% 654 $111,570,000 $170,596 $1,675 3.36%
    Over 100% 2 $500,000 $250,000 $1,353 5.43%
    Under 20% 405 $10,875,000 $26,852 $282 3.62%