Beaver Dam VA Loan Rates, Closing Costs & Stats

Beaver Dam, 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.

    Beaver Dam's 37 lenders originated 118 VA loans during 2024. The total origination value was $34,170,000, with an average VA loan value of $289,576.

    Beaver Dam VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Beaver Dam averaged 7.18% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Beaver Dam's average VA mortgage closing costs are $5,380.

    The average rate for the prior week (2025-05-16) was 6.77% and one month ago for the week of 2025-04-18, the average rate was 6.94%.

    The average rate one year ago was 6.96%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.48%.

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

    Beaver Dam 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 Beaver Dam level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 31 6.19% $5,750
    QUICKEN LOANS, LLC 9 5.94% $7,430
    FREEDOM MORTGAGE CORPORATION 8 6.16% $9,446
    UNITED WHOLESALE MORTGAGE, LLC 7 5.62% $7,274
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.13% $9,388
    GUARANTEED RATE, INC. 4 6.24% $10,964
    PLANET HOME LENDING, LLC 4 5.88% $5,076
    MOVEMENT MORTGAGE, LLC 4 6.53% $4,918
    USAA Federal Savings Bank 3 6.50% $3,128
    NEW DAY FINANCIAL, LLC 3 7.74% $15,728
    Ixonia Bank 3 6.75% $9,788
    NEWREZ LLC 3 6.58% $5,927
    PENNYMAC LOAN SERVICES, LLC 3 5.58% $4,050
    WISCONSIN MORTGAGE CORPORATION 2 6.63% $1,322
    Prosperity Home Mortgage, LLC 2 6.00% $4,646
    LAKEVIEW LOAN SERVICING, LLC 2 5.75% $2,762
    The Federal Savings Bank 2 6.00% $12,158
    CROSSCOUNTRY MORTGAGE, LLC 2 6.00% $9,218
    Wells Fargo Bank 1 6.38% $4,430
    Magnolia Bank 1 5.38% $15,205
    AMERISAVE MORTGAGE CORPORATION 1 5.75% $10,685
    A + MORTGAGE SERVICES, INC. 1 6.13% $9,649
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.99% $6,826
    Bank of England 1 7.00% $6,358
    Barrington Bank & Trust Company, N.A. 1 7.25% $6,502
    Carrington Mortgage Services, LLC 1 6.75% $8,914
    DAS Acquisition Company, LLC 1 7.63% $2,997
    ENVOY MORTGAGE, LTD 1 6.13% $575
    GoPrime Mortgage, Inc. 1 6.25% $4,906
    GUILD MORTGAGE COMPANY 1 6.63% $28,456
    LOANDEPOT.COM, LLC 1 7.50% $20,457
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $4,046
    Mid-Continent Funding, Inc. 1 5.50% $14,501
    Nations Lending Corporation 1 6.75% $10,176
    NAVY FEDERAL CREDIT UNION 1 6.38% $6,440
    S1L, Inc. 1 6.75% $3,277
    U.S. Bank 1 6.75% $3,363

    The top Beaver Dam VA lender as defined by loan originations is Mortgage Research Center, LLC, with 31 VA loans originated. Their average total fees are $5,750, which is $1,680 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Beaver Dam VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,750), .

    The lowest rate Beaver Dam VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.19%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Beaver Dam (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 $168,600 (12.5%) $225,833 (6.4%) 0.00 231
    2018-02-01 $179,700 (16.1%) $237,024 (12.2%) 0.00 223
    2018-03-01 $185,900 (16.4%) $240,948 (14.8%) 0.00 226
    2018-04-01 $192,450 (8.5%) $250,356 (13.2%) 0.00 228
    2018-05-01 $207,425 (18.0%) $279,286 (25.8%) 0.00 226
    2018-06-01 $219,900 (25.1%) $279,833 (27.3%) 0.00 236
    2018-07-01 $209,900 (19.3%) $282,413 (26.2%) 0.00 281
    2018-08-01 $209,900 (23.9%) $281,828 (28.1%) 0.00 308
    2018-09-01 $199,900 (18.4%) $266,680 (21.2%) 0.00 323
    2018-10-01 $205,000 (28.2%) $271,829 (29.1%) 0.00 322
    2018-11-01 $204,425 (25.5%) $279,382 (28.6%) 0.00 300
    2018-12-01 $199,900 (25.0%) $272,212 (23.2%) 0.00 257
    2019-01-01 $199,900 (18.6%) $279,419 (23.7%) 0.00 231
    2019-02-01 $209,900 (16.8%) $278,302 (17.4%) 0.00 222
    2019-03-01 $220,528 (18.6%) $280,200 (16.3%) 0.00 226
    2019-04-01 $229,950 (19.5%) $297,958 (19.0%) 0.00 232
    2019-05-01 $221,150 (6.6%) $288,379 (3.3%) 0.00 253
    2019-06-01 $235,000 (6.9%) $286,701 (2.5%) 0.00 263
    2019-07-01 $225,900 (7.6%) $286,761 (1.5%) 0.00 277
    2019-08-01 $220,836 (5.2%) $281,198 (-0.2%) 0.00 291
    2019-09-01 $214,741 (7.4%) $274,246 (2.8%) 0.00 299
    2019-10-01 $210,000 (2.4%) $269,611 (-0.8%) 0.00 304
    2019-11-01 $194,900 (-4.7%) $252,891 (-9.5%) 0.00 281
    2019-12-01 $199,850 (0.0%) $253,495 (-6.9%) 0.00 237
    2020-01-01 $199,900 (0.0%) $271,970 (-2.7%) 0.00 206
    2020-02-01 $199,900 (-4.8%) $271,501 (-2.4%) 0.00 203
    2020-03-01 $199,974 (-9.3%) $288,670 (3.0%) 0.00 184
    2020-04-01 $208,700 (-9.2%) $289,400 (-2.9%) 0.00 176
    2020-05-01 $239,000 (8.1%) $302,157 (4.8%) 0.00 179
    2020-06-01 $232,175 (-1.2%) $292,674 (2.1%) 0.00 189
    2020-07-01 $239,900 (6.2%) $296,119 (3.3%) 0.00 193
    2020-08-01 $239,900 (8.6%) $305,400 (8.6%) 0.00 181
    2020-09-01 $242,425 (12.9%) $318,464 (16.1%) 0.00 172
    2020-10-01 $254,900 (21.4%) $329,384 (22.2%) 0.00 162
    2020-11-01 $233,650 (19.9%) $318,518 (26.0%) 0.00 143
    2020-12-01 $212,450 (6.3%) $310,781 (22.6%) 0.00 129
    2021-01-01 $217,450 (8.8%) $308,067 (13.3%) 0.00 118
    2021-02-01 $225,000 (12.6%) $325,644 (19.9%) 0.00 104
    2021-03-01 $224,900 (12.5%) $332,039 (15.0%) 0.00 102
    2021-04-01 $234,900 (12.6%) $340,766 (17.8%) 0.00 109
    2021-05-01 $249,900 (4.6%) $318,351 (5.4%) 0.00 122
    2021-06-01 $237,450 (2.3%) $316,277 (8.1%) 0.00 140
    2021-07-01 $249,900 (4.2%) $325,003 (9.8%) 0.00 144
    2021-08-01 $242,388 (1.0%) $311,442 (2.0%) 0.00 173
    2021-09-01 $244,675 (0.9%) $313,853 (-1.5%) 0.00 170
    2021-10-01 $232,450 (-8.8%) $287,903 (-12.6%) 0.00 167
    2021-11-01 $223,550 (-4.3%) $286,402 (-10.1%) 0.00 147
    2021-12-01 $232,450 (9.4%) $297,017 (-4.4%) 0.00 123
    2022-01-01 $243,400 (11.9%) $303,000 (-1.6%) 0.00 82
    2022-02-01 $289,900 (28.8%) $343,997 (5.6%) 0.00 73
    2022-03-01 $309,900 (37.8%) $349,703 (5.3%) 0.00 76
    2022-04-01 $285,000 (21.3%) $350,999 (3.0%) 0.00 104
    2022-05-01 $274,900 (10.0%) $332,614 (4.5%) 0.00 124
    2022-06-01 $277,450 (16.9%) $364,053 (15.1%) 0.00 135
    2022-07-01 $294,450 (17.8%) $369,266 (13.6%) 0.00 140
    2022-08-01 $301,200 (24.3%) $371,685 (19.3%) 0.00 128
    2022-09-01 $292,950 (19.7%) $367,880 (17.2%) 0.00 126
    2022-10-01 $289,788 (24.7%) $365,512 (27.0%) 0.00 127
    2022-11-01 $284,803 (27.4%) $374,356 (30.7%) 0.00 114
    2022-12-01 $314,900 (35.5%) $394,857 (32.9%) 0.00 90
    2023-01-01 $334,225 (37.3%) $388,067 (28.1%) 0.00 75
    2023-02-01 $345,675 (19.2%) $385,171 (12.0%) 0.00 78
    2023-03-01 $324,700 (4.8%) $379,416 (8.5%) 0.00 74
    2023-04-01 $299,900 (5.2%) $367,561 (4.7%) 0.00 90
    2023-05-01 $322,000 (17.1%) $362,771 (9.1%) 0.00 93
    2023-06-01 $329,225 (18.7%) $384,029 (5.5%) 0.00 112
    2023-07-01 $329,900 (12.0%) $422,797 (14.5%) 0.00 136
    2023-08-01 $338,825 (12.5%) $412,481 (11.0%) 0.00 144
    2023-09-01 $335,000 (14.4%) $409,096 (11.2%) 0.00 140
    2023-10-01 $334,500 (15.4%) $405,926 (11.1%) 0.00 150
    2023-11-01 $324,975 (14.1%) $397,151 (6.1%) 0.00 137
    2023-12-01 $299,900 (-4.8%) $386,540 (-2.1%) 0.00 119
    2024-01-01 $303,700 (-9.1%) $386,983 (-0.3%) 0.00 93
    2024-02-01 $361,150 (4.5%) $405,524 (5.3%) 0.00 86
    2024-03-01 $339,900 (4.7%) $415,541 (9.5%) 0.00 95
    2024-04-01 $339,475 (13.2%) $410,660 (11.7%) 0.00 113
    2024-05-01 $367,000 (14.0%) $426,772 (17.6%) 0.00 134
    2024-06-01 $354,900 (7.8%) $416,933 (8.6%) 0.00 135
    2024-07-01 $354,950 (7.6%) $428,631 (1.4%) 0.00 126
    2024-08-01 $349,900 (3.3%) $434,038 (5.2%) 0.00 152
    2024-09-01 $339,950 (1.5%) $417,502 (2.1%) 0.00 166
    2024-10-01 $334,925 (0.1%) $413,399 (1.8%) 0.00 172
    2024-11-01 $320,000 (-1.5%) $409,202 (3.0%) 0.00 163
    2024-12-01 $320,925 (7.0%) $419,644 (8.6%) 0.00 134
    2025-01-01 $327,425 (7.8%) $460,079 (18.9%) 0.00 111
    2025-02-01 $329,900 (-8.7%) $457,947 (12.9%) 0.00 102
    2025-03-01 $329,900 (-2.9%) $454,256 (9.3%) 0.00 116
    2025-04-01 $356,150 (4.9%) $459,205 (11.8%) 0.00 119
    Beaver Dam's median listing price for 2025-04-01 was $356,150, a difference of $16,675 (4.9%) versus the prior year and $26,250 versus the prior month.

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

    Beaver Dam's average listing price for 2025-04-01 was $459,205, a difference of $48,545 (11.8%) versus the prior year and $4,949 versus the prior month.

    For the 2025-04-01 period, Beaver Dam had 119 MLS listings, a difference of 3 listings (3%) versus the prior month and 6 listings (5%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Beaver Dam (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,609 sqft
    2018-02-01 0 days 1,619 sqft
    2018-03-01 0 days 1,697 sqft
    2018-04-01 0 days 1,655 sqft
    2018-05-01 0 days 1,703 sqft
    2018-06-01 0 days 1,731 sqft
    2018-07-01 0 days 1,727 sqft
    2018-08-01 0 days 1,741 sqft
    2018-09-01 0 days 1,670 sqft
    2018-10-01 0 days 1,689 sqft
    2018-11-01 0 days 1,744 sqft
    2018-12-01 0 days 1,714 sqft
    2019-01-01 0 days 1,674 sqft
    2019-02-01 0 days 1,683 sqft
    2019-03-01 0 days 1,641 sqft
    2019-04-01 0 days 1,674 sqft
    2019-05-01 0 days 1,738 sqft
    2019-06-01 0 days 1,784 sqft
    2019-07-01 0 days 1,742 sqft
    2019-08-01 0 days 1,727 sqft
    2019-09-01 0 days 1,723 sqft
    2019-10-01 0 days 1,720 sqft
    2019-11-01 0 days 1,712 sqft
    2019-12-01 0 days 1,700 sqft
    2020-01-01 0 days 1,686 sqft
    2020-02-01 0 days 1,742 sqft
    2020-03-01 0 days 1,728 sqft
    2020-04-01 0 days 1,703 sqft
    2020-05-01 0 days 1,800 sqft
    2020-06-01 0 days 1,715 sqft
    2020-07-01 0 days 1,810 sqft
    2020-08-01 0 days 1,823 sqft
    2020-09-01 0 days 1,894 sqft
    2020-10-01 0 days 1,912 sqft
    2020-11-01 0 days 1,809 sqft
    2020-12-01 0 days 1,724 sqft
    2021-01-01 0 days 1,675 sqft
    2021-02-01 0 days 1,741 sqft
    2021-03-01 0 days 1,783 sqft
    2021-04-01 0 days 1,780 sqft
    2021-05-01 0 days 1,802 sqft
    2021-06-01 0 days 1,701 sqft
    2021-07-01 0 days 1,775 sqft
    2021-08-01 0 days 1,731 sqft
    2021-09-01 0 days 1,726 sqft
    2021-10-01 0 days 1,699 sqft
    2021-11-01 0 days 1,720 sqft
    2021-12-01 0 days 1,737 sqft
    2022-01-01 0 days 1,636 sqft
    2022-02-01 0 days 1,679 sqft
    2022-03-01 0 days 1,614 sqft
    2022-04-01 0 days 1,720 sqft
    2022-05-01 0 days 1,657 sqft
    2022-06-01 0 days 1,712 sqft
    2022-07-01 0 days 1,770 sqft
    2022-08-01 0 days 1,786 sqft
    2022-09-01 0 days 1,781 sqft
    2022-10-01 0 days 1,698 sqft
    2022-11-01 0 days 1,692 sqft
    2022-12-01 0 days 1,693 sqft
    2023-01-01 0 days 1,688 sqft
    2023-02-01 0 days 1,641 sqft
    2023-03-01 0 days 1,625 sqft
    2023-04-01 0 days 1,672 sqft
    2023-05-01 0 days 1,742 sqft
    2023-06-01 0 days 1,799 sqft
    2023-07-01 0 days 1,728 sqft
    2023-08-01 0 days 1,721 sqft
    2023-09-01 0 days 1,771 sqft
    2023-10-01 0 days 1,785 sqft
    2023-11-01 0 days 1,731 sqft
    2023-12-01 0 days 1,706 sqft
    2024-01-01 0 days 1,708 sqft
    2024-02-01 0 days 1,714 sqft
    2024-03-01 0 days 1,790 sqft
    2024-04-01 0 days 1,770 sqft
    2024-05-01 0 days 1,812 sqft
    2024-06-01 0 days 1,786 sqft
    2024-07-01 0 days 1,793 sqft
    2024-08-01 0 days 1,768 sqft
    2024-09-01 0 days 1,740 sqft
    2024-10-01 0 days 1,723 sqft
    2024-11-01 0 days 1,717 sqft
    2024-12-01 0 days 1,651 sqft
    2025-01-01 0 days 1,702 sqft
    2025-02-01 0 days 1,674 sqft
    2025-03-01 0 days 1,708 sqft
    2025-04-01 0 days 1,700 sqft
    Beaver Dam's median listing age (time on market) for 2025-04-01 was 0 days.

    Beaver Dam's median square footage for active listings during the 2025-04-01 period was 1,700 sqft. One year prior, the average listing was 1,770 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.