Fond Du Lac VA Loan Rates, Closing Costs & Stats

FOND DU LAC, 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.

    Fond Du Lac's 31 lenders originated 105 VA loans during 2024. The total origination value was $28,255,000, with an average VA loan value of $269,095.

    Fond Du Lac VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Fond Du Lac averaged 0.35% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Fond Du Lac's average VA mortgage closing costs are $5,033.

    The average rate for the prior week (2025-06-13) was 7.1% and one month ago for the week of 2025-05-16, the average rate was 6.86%.

    The average rate one year ago was 6.66%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.25%.

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

    Fond Du Lac 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 Fond Du Lac level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 26 6.58% $7,281
    FREEDOM MORTGAGE CORPORATION 11 6.10% $7,615
    U.S. Bank 6 6.08% $6,769
    UNITED WHOLESALE MORTGAGE, LLC 5 5.85% $3,875
    PENNYMAC LOAN SERVICES, LLC 4 6.00% $6,638
    USAA Federal Savings Bank 4 6.19% $4,145
    VILLAGE CAPITAL MORTGAGE 3 5.75% $3,597
    QUICKEN LOANS, LLC 3 6.37% $7,921
    NAVY FEDERAL CREDIT UNION 3 5.71% $1,863
    NEWREZ LLC 3 6.92% $7,706
    HOMESIDE FINANCIAL, LLC 2 6.19% $13,512
    Nations Lending Corporation 2 6.50% $3,907
    NEW DAY FINANCIAL, LLC 2 7.24% $3,940
    MOVEMENT MORTGAGE, LLC 2 6.75% $9,478
    The Federal Savings Bank 2 6.13% $15,671
    LOANDEPOT.COM, LLC 2 5.81% $6,959
    GUARANTEED RATE, INC. 2 6.25% $1,915
    Magnolia Bank 1 5.63% $25,418
    AmeriHome Mortgage Company, LLC 1 5.63% $5,639
    Bank Five Nine 1 5.75% $8,108
    BROKER SOLUTIONS, INC. 1 5.99% $9,168
    CARDINAL FINANCIAL 1 6.75% $3,687
    CIBM Bank 1 6.75% $4,533
    CMG MORTGAGE, INC. 1 5.99% $8,247
    ENVOY MORTGAGE, LTD 1 7.63% $6,875
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $4,811
    GSF Mortgage Corporation 1 7.13% $10,231
    GUILD MORTGAGE COMPANY 1 7.25% $3,334
    AMERICAN FINANCIAL NETWORK, INC. 1 6.63% $20,185
    PLANET HOME LENDING, LLC 1 6.25% $2,920
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.63% $20,980

    The top Fond Du Lac VA lender as defined by loan originations is Mortgage Research Center, LLC, with 26 VA loans originated. Their average total fees are $7,281, which is $333 lower than the next largest lender, FREEDOM MORTGAGE CORPORATION.

    The lowest fee Fond Du Lac VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($7,281), FREEDOM MORTGAGE CORPORATION ($7,615), .

    The lowest rate Fond Du Lac VA lenders (with over 10 loans originated) are FREEDOM MORTGAGE CORPORATION (6.10%), Mortgage Research Center, LLC (6.58%), .

    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.