Baraboo VA Loan Rates, Closing Costs & Stats

Baraboo, 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.

    Baraboo's 27 lenders originated 78 VA loans during 2024. The total origination value was $25,830,000, with an average VA loan value of $331,154.

    Baraboo VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Baraboo averaged 6.93% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Baraboo's average VA mortgage closing costs are $5,190.

    The average rate for the prior week (2025-05-16) was 6.92% and one month ago for the week of 2025-04-18, the average rate was 6.79%.

    The average rate one year ago was 6.81%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.59%.

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

    Baraboo 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 Baraboo level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 16 6.43% $7,119
    UNITED WHOLESALE MORTGAGE, LLC 11 5.74% $11,906
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 6.82% $9,174
    Barrington Bank & Trust Company, N.A. 6 6.65% $6,630
    FREEDOM MORTGAGE CORPORATION 6 6.23% $9,711
    GUILD MORTGAGE COMPANY 5 5.65% $8,282
    PENNYMAC LOAN SERVICES, LLC 3 5.75% $3,580
    QUICKEN LOANS, LLC 3 5.75% $7,136
    NEWREZ LLC 2 6.00% $3,582
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.63% $2,135
    Nations Lending Corporation 1 6.25% $13,470
    NAVY FEDERAL CREDIT UNION 1 5.38% $2,223
    PLANET HOME LENDING, LLC 1 5.75% $2,770
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.75% $9,643
    Prosperity Home Mortgage, LLC 1 6.75% $3,281
    Queensborough National Bank & Trust Company 1 5.25% $8,258
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.75% $14,578
    The Federal Savings Bank 1 5.13% $19,265
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.75% $4,293
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.13% $3,904
    BROKER SOLUTIONS, INC. 1 6.13% $8,350
    CAPITAL Credit Union 1 6.13% $10,116
    CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $770
    First Federal Bank 1 5.63% $7,259
    GUARANTEED RATE, INC. 1 6.25% $10,090
    AMERISAVE MORTGAGE CORPORATION 1 6.25% $3,503
    Mr. Cooper ( Nationstar Mortgage ) 1 6.13% $8,366

    The top Baraboo VA lender as defined by loan originations is Mortgage Research Center, LLC, with 16 VA loans originated. Their average total fees are $7,119, which is $4,787 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Baraboo VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($7,119), UNITED WHOLESALE MORTGAGE, LLC ($11,906), .

    The lowest rate Baraboo VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.74%), Mortgage Research Center, LLC (6.43%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Baraboo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $227,975 (14.7%) $264,699 (3.6%) 0.00 288
    2018-02-01 $244,975 (22.6%) $276,284 (5.4%) 0.00 260
    2018-03-01 $249,900 (13.6%) $278,239 (4.2%) 0.00 285
    2018-04-01 $249,675 (13.5%) $282,934 (6.0%) 0.00 302
    2018-05-01 $249,225 (15.4%) $284,928 (3.4%) 0.00 329
    2018-06-01 $249,000 (12.0%) $284,452 (0.8%) 0.00 349
    2018-07-01 $253,175 (15.1%) $291,188 (3.3%) 0.00 353
    2018-08-01 $249,450 (13.4%) $294,168 (4.6%) 0.00 355
    2018-09-01 $249,900 (11.4%) $296,095 (9.5%) 0.00 347
    2018-10-01 $239,450 (5.4%) $281,639 (3.6%) 0.00 347
    2018-11-01 $231,450 (2.7%) $270,340 (1.5%) 0.00 331
    2018-12-01 $229,900 (4.6%) $265,516 (0.7%) 0.00 292
    2019-01-01 $229,925 (0.9%) $273,339 (3.3%) 0.00 273
    2019-02-01 $237,000 (-3.3%) $275,989 (-0.1%) 0.00 244
    2019-03-01 $234,493 (-6.2%) $278,326 (0.0%) 0.00 264
    2019-04-01 $236,993 (-5.1%) $286,450 (1.2%) 0.00 286
    2019-05-01 $252,950 (1.5%) $301,782 (5.9%) 0.00 307
    2019-06-01 $255,950 (2.8%) $303,603 (6.7%) 0.00 322
    2019-07-01 $259,450 (2.5%) $305,472 (4.9%) 0.00 324
    2019-08-01 $257,868 (3.4%) $305,432 (3.8%) 0.00 320
    2019-09-01 $254,820 (2.0%) $305,933 (3.3%) 0.00 317
    2019-10-01 $254,014 (6.1%) $304,878 (8.3%) 0.00 309
    2019-11-01 $254,900 (10.1%) $312,364 (15.6%) 0.00 266
    2019-12-01 $249,900 (8.7%) $304,671 (14.8%) 0.00 256
    2020-01-01 $252,400 (9.8%) $310,077 (13.4%) 0.00 226
    2020-02-01 $254,900 (7.6%) $311,105 (12.7%) 0.00 226
    2020-03-01 $267,400 (14.0%) $323,138 (16.1%) 0.00 222
    2020-04-01 $267,400 (12.8%) $323,511 (12.9%) 0.00 230
    2020-05-01 $254,900 (0.8%) $306,065 (1.4%) 0.00 225
    2020-06-01 $254,925 (-0.4%) $322,555 (6.2%) 0.00 193
    2020-07-01 $254,900 (-1.8%) $328,739 (7.6%) 0.00 180
    2020-08-01 $249,900 (-3.1%) $326,796 (7.0%) 0.00 158
    2020-09-01 $248,950 (-2.3%) $319,346 (4.4%) 0.00 169
    2020-10-01 $245,450 (-3.4%) $296,144 (-2.9%) 0.00 135
    2020-11-01 $239,450 (-6.1%) $294,653 (-5.7%) 0.00 128
    2020-12-01 $226,950 (-9.2%) $274,462 (-9.9%) 0.00 113
    2021-01-01 $226,950 (-10.1%) $271,348 (-12.5%) 0.00 102
    2021-02-01 $227,400 (-10.8%) $288,977 (-7.1%) 0.00 96
    2021-03-01 $229,450 (-14.2%) $313,587 (-3.0%) 0.00 97
    2021-04-01 $226,950 (-15.1%) $322,883 (-0.2%) 0.00 102
    2021-05-01 $229,450 (-10.0%) $317,768 (3.8%) 0.00 99
    2021-06-01 $242,175 (-5.0%) $329,620 (2.2%) 0.00 111
    2021-07-01 $270,000 (5.9%) $376,331 (14.5%) 0.00 110
    2021-08-01 $278,650 (11.5%) $374,446 (14.6%) 0.00 109
    2021-09-01 $276,950 (11.3%) $380,388 (19.1%) 0.00 107
    2021-10-01 $269,900 (10.0%) $362,199 (22.3%) 0.00 103
    2021-11-01 $244,900 (2.3%) $345,297 (17.2%) 0.00 87
    2021-12-01 $246,150 (8.5%) $362,629 (32.1%) 0.00 80
    2022-01-01 $265,000 (16.8%) $375,970 (38.6%) 0.00 61
    2022-02-01 $259,950 (14.3%) $378,448 (31.0%) 0.00 56
    2022-03-01 $282,475 (23.1%) $359,174 (14.5%) 0.00 68
    2022-04-01 $307,450 (35.5%) $406,082 (25.8%) 0.00 66
    2022-05-01 $341,175 (48.7%) $416,830 (31.2%) 0.00 84
    2022-06-01 $351,950 (45.3%) $433,231 (31.4%) 0.00 98
    2022-07-01 $311,400 (15.3%) $391,247 (4.0%) 0.00 126
    2022-08-01 $334,950 (20.2%) $406,005 (8.4%) 0.00 121
    2022-09-01 $347,400 (25.4%) $406,351 (6.8%) 0.00 119
    2022-10-01 $319,900 (18.5%) $384,192 (6.1%) 0.00 128
    2022-11-01 $315,750 (28.9%) $368,254 (6.7%) 0.00 132
    2022-12-01 $299,900 (21.8%) $359,657 (-0.8%) 0.00 122
    2023-01-01 $286,675 (8.2%) $357,792 (-4.8%) 0.00 101
    2023-02-01 $293,225 (12.8%) $361,103 (-4.6%) 0.00 90
    2023-03-01 $324,450 (14.9%) $380,399 (5.9%) 0.00 86
    2023-04-01 $292,000 (-5.0%) $437,311 (7.7%) 0.00 87
    2023-05-01 $309,700 (-9.2%) $474,010 (13.7%) 0.00 87
    2023-06-01 $342,308 (-2.7%) $492,943 (13.8%) 0.00 100
    2023-07-01 $299,900 (-3.7%) $453,555 (15.9%) 0.00 122
    2023-08-01 $319,900 (-4.5%) $449,138 (10.6%) 0.00 126
    2023-09-01 $350,000 (0.8%) $473,779 (16.6%) 0.00 144
    2023-10-01 $357,500 (11.8%) $497,867 (29.6%) 0.00 143
    2023-11-01 $369,725 (17.1%) $495,495 (34.6%) 0.00 146
    2023-12-01 $354,500 (18.2%) $488,501 (35.8%) 0.00 142
    2024-01-01 $348,200 (21.5%) $483,654 (35.2%) 0.00 138
    2024-02-01 $332,225 (13.3%) $486,272 (34.7%) 0.00 130
    2024-03-01 $344,900 (6.3%) $487,200 (28.1%) 0.00 130
    2024-04-01 $352,500 (20.7%) $499,322 (14.2%) 0.00 132
    2024-05-01 $369,900 (19.4%) $497,631 (5.0%) 0.00 125
    2024-06-01 $372,500 (8.8%) $492,898 (0.0%) 0.00 135
    2024-07-01 $379,900 (26.7%) $517,477 (14.1%) 0.00 138
    2024-08-01 $369,900 (15.6%) $482,989 (7.5%) 0.00 153
    2024-09-01 $367,438 (5.0%) $488,732 (3.2%) 0.00 167
    2024-10-01 $343,675 (-3.9%) $482,641 (-3.1%) 0.00 165
    2024-11-01 $349,900 (-5.4%) $481,826 (-2.8%) 0.00 173
    2024-12-01 $357,750 (0.9%) $480,951 (-1.6%) 0.00 157
    2025-01-01 $359,000 (3.1%) $475,728 (-1.6%) 0.00 138
    2025-02-01 $338,575 (1.9%) $465,944 (-4.2%) 0.00 148
    2025-03-01 $326,250 (-5.4%) $437,453 (-10.2%) 0.00 157
    2025-04-01 $338,000 (-4.1%) $427,364 (-14.4%) 0.00 172
    Baraboo's median listing price for 2025-04-01 was $338,000, a difference of $-14,500 (-4.1%) versus the prior year and $11,750 versus the prior month.

    Baraboo's median listing price comes in at 0% of the national average.

    Baraboo's average listing price for 2025-04-01 was $427,364, a difference of $-71,958 (-14.4%) versus the prior year and $-10,089 versus the prior month.

    For the 2025-04-01 period, Baraboo had 172 MLS listings, a difference of 15 listings (10%) versus the prior month and 40 listings (30%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Baraboo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,789 sqft
    2018-02-01 0 days 1,803 sqft
    2018-03-01 0 days 1,800 sqft
    2018-04-01 0 days 1,899 sqft
    2018-05-01 0 days 1,878 sqft
    2018-06-01 0 days 1,874 sqft
    2018-07-01 0 days 1,854 sqft
    2018-08-01 0 days 1,867 sqft
    2018-09-01 0 days 1,900 sqft
    2018-10-01 0 days 1,800 sqft
    2018-11-01 0 days 1,776 sqft
    2018-12-01 0 days 1,778 sqft
    2019-01-01 0 days 1,783 sqft
    2019-02-01 0 days 1,770 sqft
    2019-03-01 0 days 1,705 sqft
    2019-04-01 0 days 1,742 sqft
    2019-05-01 0 days 1,784 sqft
    2019-06-01 0 days 1,784 sqft
    2019-07-01 0 days 1,812 sqft
    2019-08-01 0 days 1,788 sqft
    2019-09-01 0 days 1,795 sqft
    2019-10-01 0 days 1,799 sqft
    2019-11-01 0 days 1,720 sqft
    2019-12-01 0 days 1,718 sqft
    2020-01-01 0 days 1,781 sqft
    2020-02-01 0 days 1,724 sqft
    2020-03-01 0 days 1,803 sqft
    2020-04-01 0 days 1,827 sqft
    2020-05-01 0 days 1,793 sqft
    2020-06-01 0 days 1,752 sqft
    2020-07-01 0 days 1,729 sqft
    2020-08-01 0 days 1,744 sqft
    2020-09-01 0 days 1,724 sqft
    2020-10-01 0 days 1,732 sqft
    2020-11-01 0 days 1,678 sqft
    2020-12-01 0 days 1,600 sqft
    2021-01-01 0 days 1,591 sqft
    2021-02-01 0 days 1,580 sqft
    2021-03-01 0 days 1,652 sqft
    2021-04-01 0 days 1,637 sqft
    2021-05-01 0 days 1,581 sqft
    2021-06-01 0 days 1,705 sqft
    2021-07-01 0 days 1,751 sqft
    2021-08-01 0 days 1,836 sqft
    2021-09-01 0 days 1,885 sqft
    2021-10-01 0 days 1,790 sqft
    2021-11-01 0 days 1,657 sqft
    2021-12-01 0 days 1,735 sqft
    2022-01-01 0 days 1,744 sqft
    2022-02-01 0 days 1,632 sqft
    2022-03-01 0 days 1,590 sqft
    2022-04-01 0 days 1,586 sqft
    2022-05-01 0 days 1,751 sqft
    2022-06-01 0 days 1,800 sqft
    2022-07-01 0 days 1,703 sqft
    2022-08-01 0 days 1,771 sqft
    2022-09-01 0 days 1,785 sqft
    2022-10-01 0 days 1,718 sqft
    2022-11-01 0 days 1,679 sqft
    2022-12-01 0 days 1,653 sqft
    2023-01-01 0 days 1,587 sqft
    2023-02-01 0 days 1,604 sqft
    2023-03-01 0 days 1,628 sqft
    2023-04-01 0 days 1,650 sqft
    2023-05-01 0 days 1,784 sqft
    2023-06-01 0 days 1,863 sqft
    2023-07-01 0 days 1,777 sqft
    2023-08-01 0 days 1,809 sqft
    2023-09-01 0 days 1,869 sqft
    2023-10-01 0 days 1,877 sqft
    2023-11-01 0 days 1,869 sqft
    2023-12-01 0 days 1,803 sqft
    2024-01-01 0 days 1,784 sqft
    2024-02-01 0 days 1,786 sqft
    2024-03-01 0 days 1,784 sqft
    2024-04-01 0 days 1,838 sqft
    2024-05-01 0 days 1,802 sqft
    2024-06-01 0 days 1,800 sqft
    2024-07-01 0 days 1,869 sqft
    2024-08-01 0 days 1,784 sqft
    2024-09-01 0 days 1,791 sqft
    2024-10-01 0 days 1,773 sqft
    2024-11-01 0 days 1,760 sqft
    2024-12-01 0 days 1,749 sqft
    2025-01-01 0 days 1,756 sqft
    2025-02-01 0 days 1,765 sqft
    2025-03-01 0 days 1,784 sqft
    2025-04-01 0 days 1,780 sqft
    Baraboo's median listing age (time on market) for 2025-04-01 was 0 days.

    Baraboo's median square footage for active listings during the 2025-04-01 period was 1,780 sqft. One year prior, the average listing was 1,838 sqft.

    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.