Fond Du Lac VA Loan Rates, Closing Costs & Stats

FOND DU LAC, WI

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 36 lenders originated 81 VA loans during 2023. The total origination value was $19,695,000, with an average VA loan value of $243,148.

Fond Du Lac VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Fond Du Lac averaged 6.26% for the week of 2024-12-06, compared to the national average (all VA variants) of 6.143% for the same period.

Fond Du Lac's average VA mortgage closing costs are $4,776.

The average rate for the prior week (2024-11-29) was 6.26% and one month ago for the week of 2024-11-01, the average rate was 6.51%.

The average rate one year ago was 7.06%.

For refis of the same type during the week of 2024-12-06, the average rate was 6.33%.

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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Mortgage Research Center, LLC 21 6.69% $5,782
U.S. Bank 5 6.38% $4,813
CALIBER HOME LOANS, INC. 4 6.63% $6,445
UNITED WHOLESALE MORTGAGE, LLC 4 6.72% $4,434
SUCCESS MORTGAGE PARTNERS, INC. 3 7.13% $9,931
FREEDOM MORTGAGE CORPORATION 3 6.92% $10,841
NEW DAY FINANCIAL, LLC 3 7.54% $17,340
Mr. Cooper ( Nationstar Mortgage ) 2 6.00% $12,425
LOANDEPOT.COM, LLC 2 6.19% $6,438
MOVEMENT MORTGAGE, LLC 2 6.69% $16,939
The Federal Savings Bank 2 6.38% $13,737
QUICKEN LOANS, LLC 2 6.49% $29,246
NAVY FEDERAL CREDIT UNION 2 6.31% $5,772
NEWREZ LLC 1 7.25% $6,316
PENNYMAC LOAN SERVICES, LLC 1 4.75% $3,557
RESIDENTIAL BANCORP 1 6.75% $10,873
ROYAL UNITED MORTGAGE LLC 1 6.75% $10,535
SUN WEST MORTGAGE COMPANY, INC. 1 5.58% $1,793
The Huntington National Bank 1 6.25% $2,895
TOP FLITE FINANCIAL, INC. 1 6.75% $8,245
University of Wisconsin Credit Union 1 6.25% $11,327
USAA Federal Savings Bank 1 6.75% $12,780
ACADEMY MORTGAGE CORPORATION 1 6.00% $9,756
Wells Fargo Bank 1 7.38% $1,475
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.25% $21,396
AMERISAVE MORTGAGE CORPORATION 1 6.50% $13,092
Bank First, N.A. 1 7.13% $3,907
Bank Five Nine 1 6.75% $11,163
CARDINAL FINANCIAL 1 6.25% $9,036
CMG MORTGAGE, INC. 1 7.38% $11,273
Equity Prime Mortgage LLC 1 7.25% $3,312
Flagstar Bank, FSB 1 7.75% $6,343
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.13% $7,354
GUARANTEED RATE AFFINITY, LLC 1 6.75% $1,455
GUARANTEED RATE, INC. 1 5.25% $10,551
HOMESIDE FINANCIAL, LLC 1 6.75% $3,536

The top Fond Du Lac VA lender as defined by loan originations is Mortgage Research Center, LLC, with 21 VA loans originated. Their average total fees are $5,782, which is $970 higher than the next largest lender, U.S. Bank.

The lowest fee Fond Du Lac VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,782), .

The lowest rate Fond Du Lac VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.69%), .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Fond Du Lac (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 $149,975 (15.5%) $194,946 (13.7%) 0.00 380
2018-02-01 $153,900 (20.4%) $195,479 (11.8%) 0.00 386
2018-03-01 $153,900 (12.0%) $196,444 (7.0%) 0.00 386
2018-04-01 $149,925 (4.6%) $207,907 (9.3%) 0.00 277
2018-05-01 $161,950 (9.2%) $219,852 (12.8%) 0.00 283
2018-06-01 $178,750 (22.2%) $228,946 (15.2%) 0.00 283
2018-07-01 $181,675 (21.2%) $230,001 (14.7%) 0.00 301
2018-08-01 $178,200 (25.5%) $226,101 (14.5%) 0.00 306
2018-09-01 $171,900 (14.7%) $219,647 (12.5%) 0.00 313
2018-10-01 $159,900 (6.7%) $211,339 (10.6%) 0.00 337
2018-11-01 $147,225 (-4.2%) $200,332 (2.5%) 0.00 325
2018-12-01 $144,950 (-3.4%) $196,833 (1.2%) 0.00 287
2019-01-01 $137,950 (-8.0%) $187,991 (-3.6%) 0.00 268
2019-02-01 $153,150 (-0.5%) $197,638 (1.1%) 0.00 248
2019-03-01 $162,043 (5.3%) $207,757 (5.8%) 0.00 216
2019-04-01 $164,543 (9.8%) $217,379 (4.6%) 0.00 197
2019-05-01 $176,450 (9.0%) $243,119 (10.6%) 0.00 208
2019-06-01 $169,400 (-5.2%) $242,125 (5.8%) 0.00 214
2019-07-01 $170,925 (-5.9%) $252,738 (9.9%) 0.00 242
2019-08-01 $170,845 (-4.1%) $248,701 (10.0%) 0.00 258
2019-09-01 $175,939 (2.4%) $251,888 (14.7%) 0.00 251
2019-10-01 $177,734 (11.2%) $249,863 (18.2%) 0.00 251
2019-11-01 $183,700 (24.8%) $233,212 (16.4%) 0.00 256
2019-12-01 $174,900 (20.7%) $225,332 (14.5%) 0.00 240
2020-01-01 $174,175 (26.3%) $234,116 (24.5%) 0.00 222
2020-02-01 $184,900 (20.7%) $241,812 (22.4%) 0.00 207
2020-03-01 $184,900 (14.1%) $248,806 (19.8%) 0.00 208
2020-04-01 $193,200 (17.4%) $253,358 (16.6%) 0.00 201
2020-05-01 $212,900 (20.7%) $266,392 (9.6%) 0.00 195
2020-06-01 $239,450 (41.4%) $286,062 (18.2%) 0.00 178
2020-07-01 $242,350 (41.8%) $281,925 (11.6%) 0.00 149
2020-08-01 $235,400 (37.8%) $276,877 (11.3%) 0.00 158
2020-09-01 $219,925 (25.0%) $271,592 (7.8%) 0.00 169
2020-10-01 $224,900 (26.5%) $279,998 (12.1%) 0.00 159
2020-11-01 $191,150 (4.1%) $263,687 (13.1%) 0.00 154
2020-12-01 $167,450 (-4.3%) $249,534 (10.7%) 0.00 141
2021-01-01 $164,450 (-5.6%) $259,266 (10.7%) 0.00 122
2021-02-01 $192,150 (3.9%) $270,480 (11.9%) 0.00 102
2021-03-01 $228,500 (23.6%) $284,121 (14.2%) 0.00 88
2021-04-01 $248,650 (28.7%) $298,066 (17.7%) 0.00 84
2021-05-01 $249,900 (17.4%) $285,977 (7.4%) 0.00 89
2021-06-01 $206,000 (-14.0%) $299,562 (4.7%) 0.00 115
2021-07-01 $199,950 (-17.5%) $311,540 (10.5%) 0.00 150
2021-08-01 $196,325 (-16.6%) $294,296 (6.3%) 0.00 157
2021-09-01 $199,900 (-9.1%) $284,606 (4.8%) 0.00 173
2021-10-01 $224,900 (0.0%) $293,262 (4.7%) 0.00 173
2021-11-01 $222,000 (16.1%) $289,079 (9.6%) 0.00 150
2021-12-01 $209,900 (25.4%) $289,992 (16.2%) 0.00 117
2022-01-01 $194,500 (18.3%) $260,651 (0.5%) 0.00 101
2022-02-01 $207,400 (7.9%) $276,506 (2.2%) 0.00 75
2022-03-01 $241,675 (5.8%) $300,172 (5.7%) 0.00 66
2022-04-01 $244,900 (-1.5%) $301,858 (1.3%) 0.00 78
2022-05-01 $283,300 (13.4%) $326,130 (14.0%) 0.00 96
2022-06-01 $289,900 (40.7%) $328,006 (9.5%) 0.00 112
2022-07-01 $299,000 (49.5%) $343,821 (10.4%) 0.00 138
2022-08-01 $299,900 (52.8%) $351,011 (19.3%) 0.00 135
2022-09-01 $279,900 (40.0%) $357,072 (25.5%) 0.00 131
2022-10-01 $292,900 (30.2%) $395,937 (35.0%) 0.00 127
2022-11-01 $294,925 (32.9%) $383,455 (32.7%) 0.00 129
2022-12-01 $299,900 (42.9%) $404,204 (39.4%) 0.00 102
2023-01-01 $329,742 (69.5%) $431,455 (65.5%) 0.00 87
2023-02-01 $350,000 (68.8%) $451,028 (63.1%) 0.00 83
2023-03-01 $350,000 (44.8%) $438,284 (46.0%) 0.00 88
2023-04-01 $375,000 (53.1%) $472,416 (56.5%) 0.00 82
2023-05-01 $340,400 (20.2%) $424,912 (30.3%) 0.00 88
2023-06-01 $339,900 (17.3%) $404,673 (23.4%) 0.00 92
2023-07-01 $339,900 (13.7%) $402,019 (16.9%) 0.00 102
2023-08-01 $319,725 (6.6%) $373,496 (6.4%) 0.00 112
2023-09-01 $319,900 (14.3%) $358,660 (0.4%) 0.00 117
2023-10-01 $307,400 (5.0%) $363,639 (-8.2%) 0.00 123
2023-11-01 $280,600 (-4.9%) $333,999 (-12.9%) 0.00 124
2023-12-01 $287,400 (-4.2%) $333,567 (-17.5%) 0.00 100
2024-01-01 $281,150 (-14.7%) $336,603 (-22.0%) 0.00 90
2024-02-01 $342,400 (-2.2%) $371,418 (-17.7%) 0.00 96
2024-03-01 $374,900 (7.1%) $405,295 (-7.5%) 0.00 100
2024-04-01 $377,475 (0.7%) $398,986 (-15.5%) 0.00 117
2024-05-01 $406,150 (19.3%) $425,868 (0.2%) 0.00 121
2024-06-01 $396,150 (16.6%) $418,873 (3.5%) 0.00 132
2024-07-01 $399,450 (17.5%) $420,599 (4.6%) 0.00 157
2024-08-01 $359,900 (12.6%) $414,826 (11.1%) 0.00 153
2024-09-01 $360,000 (12.5%) $411,642 (14.8%) 0.00 172
2024-10-01 $356,200 (15.9%) $403,010 (10.8%) 0.00 177
2024-11-01 $341,000 (21.5%) $388,099 (16.2%) 0.00 184
Fond Du Lac's median listing price for 2024-11-01 was $341,000, a difference of $60,400 (21.5%) versus the prior year and $-15,200 versus the prior month.

Fond Du Lac's median listing price comes in at 0% of the national average.

Fond Du Lac's average listing price for 2024-11-01 was $388,099, a difference of $54,100 (16.2%) versus the prior year and $-14,911 versus the prior month.

For the 2024-11-01 period, Fond Du Lac had 184 MLS listings, a difference of 7 listings (4%) versus the prior month and 60 listings (48%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Fond Du Lac (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,692 sqft
2018-02-01 0 days 1,682 sqft
2018-03-01 0 days 1,708 sqft
2018-04-01 0 days 1,685 sqft
2018-05-01 0 days 1,690 sqft
2018-06-01 0 days 1,729 sqft
2018-07-01 0 days 1,753 sqft
2018-08-01 0 days 1,777 sqft
2018-09-01 0 days 1,767 sqft
2018-10-01 0 days 1,728 sqft
2018-11-01 0 days 1,712 sqft
2018-12-01 0 days 1,716 sqft
2019-01-01 0 days 1,690 sqft
2019-02-01 0 days 1,727 sqft
2019-03-01 0 days 1,753 sqft
2019-04-01 0 days 1,730 sqft
2019-05-01 0 days 1,720 sqft
2019-06-01 0 days 1,678 sqft
2019-07-01 0 days 1,667 sqft
2019-08-01 0 days 1,664 sqft
2019-09-01 0 days 1,718 sqft
2019-10-01 0 days 1,754 sqft
2019-11-01 0 days 1,779 sqft
2019-12-01 0 days 1,778 sqft
2020-01-01 0 days 1,755 sqft
2020-02-01 0 days 1,770 sqft
2020-03-01 0 days 1,793 sqft
2020-04-01 0 days 1,760 sqft
2020-05-01 0 days 1,755 sqft
2020-06-01 0 days 1,844 sqft
2020-07-01 0 days 1,911 sqft
2020-08-01 0 days 1,912 sqft
2020-09-01 0 days 1,834 sqft
2020-10-01 0 days 1,848 sqft
2020-11-01 0 days 1,739 sqft
2020-12-01 0 days 1,583 sqft
2021-01-01 0 days 1,562 sqft
2021-02-01 0 days 1,581 sqft
2021-03-01 0 days 1,630 sqft
2021-04-01 0 days 1,763 sqft
2021-05-01 0 days 1,741 sqft
2021-06-01 0 days 1,648 sqft
2021-07-01 0 days 1,627 sqft
2021-08-01 0 days 1,654 sqft
2021-09-01 0 days 1,638 sqft
2021-10-01 0 days 1,648 sqft
2021-11-01 0 days 1,654 sqft
2021-12-01 0 days 1,641 sqft
2022-01-01 0 days 1,624 sqft
2022-02-01 0 days 1,622 sqft
2022-03-01 0 days 1,615 sqft
2022-04-01 0 days 1,606 sqft
2022-05-01 0 days 1,620 sqft
2022-06-01 0 days 1,683 sqft
2022-07-01 0 days 1,695 sqft
2022-08-01 0 days 1,761 sqft
2022-09-01 0 days 1,754 sqft
2022-10-01 0 days 1,816 sqft
2022-11-01 0 days 1,810 sqft
2022-12-01 0 days 1,858 sqft
2023-01-01 0 days 1,921 sqft
2023-02-01 0 days 1,939 sqft
2023-03-01 0 days 1,842 sqft
2023-04-01 0 days 1,890 sqft
2023-05-01 0 days 1,898 sqft
2023-06-01 0 days 1,830 sqft
2023-07-01 0 days 1,840 sqft
2023-08-01 0 days 1,795 sqft
2023-09-01 0 days 1,774 sqft
2023-10-01 0 days 1,734 sqft
2023-11-01 0 days 1,714 sqft
2023-12-01 0 days 1,747 sqft
2024-01-01 0 days 1,703 sqft
2024-02-01 0 days 1,796 sqft
2024-03-01 0 days 1,800 sqft
2024-04-01 0 days 1,898 sqft
2024-05-01 0 days 1,907 sqft
2024-06-01 0 days 1,944 sqft
2024-07-01 0 days 1,794 sqft
2024-08-01 0 days 1,724 sqft
2024-09-01 0 days 1,727 sqft
2024-10-01 0 days 1,721 sqft
2024-11-01 0 days 1,720 sqft
Fond Du Lac's median listing age (time on market) for 2024-11-01 was 0 days.

Fond Du Lac's median square footage for active listings during the 2024-11-01 period was 1,720 sqft. One year prior, the average listing was 1,714 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.