Appleton VA Loan Rates, Closing Costs & Stats

APPLETON, WI

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Appleton's 57 lenders originated 307 VA loans during 2024. The total origination value was $99,915,000, with an average VA loan value of $325,456.

    Appleton VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Appleton averaged 0.58% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Appleton's average VA mortgage closing costs are $5,312.

    The average rate for the prior week (2025-06-27) was 6.62% and one month ago for the week of 2025-05-30, the average rate was 6.94%.

    The average rate one year ago was 6.76%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.07%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Appleton VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Appleton level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 62 6.43% $6,095
    UNITED WHOLESALE MORTGAGE, LLC 37 5.95% $7,950
    FREEDOM MORTGAGE CORPORATION 22 6.29% $8,136
    PENNYMAC LOAN SERVICES, LLC 19 5.79% $6,098
    QUICKEN LOANS, LLC 14 6.13% $11,299
    NEW DAY FINANCIAL, LLC 11 7.72% $13,715
    Wells Fargo Bank 10 6.36% $5,041
    GUILD MORTGAGE COMPANY 9 6.81% $8,554
    NAVY FEDERAL CREDIT UNION 8 5.88% $6,271
    Paramount Residential Mortgage Group, Inc. 7 6.68% $11,403
    GUARANTEED RATE, INC. 7 5.98% $4,344
    Waterstone Mortgage Corporation 6 6.67% $11,129
    Barrington Bank & Trust Company, N.A. 5 6.20% $3,761
    U.S. Bank 5 6.30% $9,311
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 7.09% $8,693
    Bank Five Nine 4 6.75% $8,486
    NEWREZ LLC 4 6.47% $7,044
    CROSSCOUNTRY MORTGAGE, LLC 4 6.88% $4,997
    GoPrime Mortgage, Inc. 3 6.08% $2,213
    Ixonia Bank 3 6.54% $6,563
    LOANDEPOT.COM, LLC 3 6.46% $7,509
    CAPITAL Credit Union 3 5.92% $2,709
    USAA Federal Savings Bank 3 6.33% $7,243
    Carrington Mortgage Services, LLC 2 5.13% $15,499
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.00% $4,460
    Flagstar Bank, FSB 2 6.44% $3,124
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.63% $1,858
    LAKEVIEW LOAN SERVICING, LLC 2 5.88% $8,029
    MOVEMENT MORTGAGE, LLC 2 6.44% $7,960
    Mr. Cooper ( Nationstar Mortgage ) 2 5.69% $4,427
    Nations Lending Corporation 2 6.69% $4,877
    PLANET HOME LENDING, LLC 2 6.50% $3,219
    POINT Mortgage 2 6.44% $12,176
    TOWNE MORTGAGE COMPANY 2 6.62% $17,862
    LOANPAL, LLC 1 4.88% $12,631
    Old National Bank 1 6.00% $9,472
    Paramount Bank 1 6.50% $2,955
    LENOX FINANCIAL MORTGAGE CORPORATION 1 5.50% $11,997
    JPMorgan Chase Bank 1 6.25% $901
    BROKER SOLUTIONS, INC. 1 7.25% $9,654
    PLAZA HOME MORTGAGE, INC. 1 7.25% $7,491
    AMERISAVE MORTGAGE CORPORATION 1 5.75% $14,115
    HOMESTEAD FUNDING CORP. 1 6.13% $13,169
    Servion, Inc. 1 5.63% $4,815
    SUCCESS MORTGAGE PARTNERS, INC. 1 7.13% $24,479
    Texana Bank 1 6.75% $12,041
    The Central Trust Bank 1 6.13% $4,889
    TJC Mortgage, Inc. 1 5.75% $4,619
    Wolfe Financial, Inc 1 7.75% $19,250
    UNION HOME MORTGAGE CORP. 1 7.63% $1,609
    Gateway First Bank 1 6.75% $6,365
    CMG MORTGAGE, INC. 1 6.13% $9,042
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.99% $8,216
    VILLAGE CAPITAL MORTGAGE 1 5.25% $11,044
    MORTGAGE ACCESS CORP. 1 5.75% $7,474
    NBKC BANK 1 5.63% $987
    Loan Simple, Inc. 1 6.50% $8,742

    The top Appleton VA lender as defined by loan originations is Mortgage Research Center, LLC, with 62 VA loans originated. Their average total fees are $6,095, which is $1,855 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Appleton VA lenders (with over 10 loans originated) are Wells Fargo Bank ($5,041), Mortgage Research Center, LLC ($6,095), PENNYMAC LOAN SERVICES, LLC ($6,098), UNITED WHOLESALE MORTGAGE, LLC ($7,950) and FREEDOM MORTGAGE CORPORATION ($8,136).

    The lowest rate Appleton VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.79%), UNITED WHOLESALE MORTGAGE, LLC (5.95%), QUICKEN LOANS, LLC (6.13%), FREEDOM MORTGAGE CORPORATION (6.29%) and Wells Fargo Bank (6.36%).

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.