Fond Du Lac VA Loan Rates, Closing Costs & Stats

FOND DU LAC, WI

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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 7.02% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

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

    The average rate for the prior week (2025-07-04) was 6.83% and one month ago for the week of 2025-06-06, the average rate was 6.8%.

    The average rate one year ago was 6.73%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.62%.

    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%), .

    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 $153,650 (20.8%) $195,190 (12.1%) 0.00 385
    2018-03-01 $153,400 (11.6%) $196,444 (7.4%) 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 (-0.3%) $197,638 (1.3%) 0.00 248
    2019-03-01 $162,043 (5.6%) $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%) $224,956 (14.3%) 0.00 241
    2020-01-01 $170,950 (23.9%) $233,675 (24.3%) 0.00 223
    2020-02-01 $184,900 (20.7%) $241,328 (22.1%) 0.00 208
    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 (10.9%) 0.00 141
    2021-01-01 $164,450 (-3.8%) $259,266 (11.0%) 0.00 122
    2021-02-01 $192,150 (3.9%) $270,480 (12.1%) 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 $289,925 (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%) $357,609 (25.7%) 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 (17.2%) $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 (0.3%) 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 $384,950 (13.1%) $415,794 (-2.2%) 0.00 121
    2024-06-01 $349,900 (2.9%) $397,888 (-1.7%) 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
    2024-12-01 $341,425 (18.8%) $386,090 (15.8%) 0.00 158
    2025-01-01 $329,450 (17.2%) $394,204 (17.1%) 0.00 143
    2025-02-01 $349,850 (2.2%) $401,218 (8.0%) 0.00 131
    2025-03-01 $369,900 (-1.3%) $428,803 (5.8%) 0.00 133
    2025-04-01 $379,975 (0.7%) $439,224 (10.1%) 0.00 137
    2025-05-01 $374,900 (-2.6%) $434,129 (4.4%) 0.00 166
    2025-06-01 $374,900 (7.1%) $427,881 (7.5%) 0.00 181
    Fond Du Lac's median listing price for 2025-06-01 was $374,900, a difference of $25,000 (7.1%) versus the prior year and $0 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 2025-06-01 was $427,881, a difference of $29,993 (7.5%) versus the prior year and $-6,248 versus the prior month.

    For the 2025-06-01 period, Fond Du Lac had 181 MLS listings, a difference of 15 listings (9%) versus the prior month and 49 listings (37%) 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 1,680 sqft
    2018-03-01 0 days 1,708 sqft
    2018-04-01 0 days 1,685 sqft
    2018-05-01 0 days 1,688 sqft
    2018-06-01 0 days 1,729 sqft
    2018-07-01 0 days 1,750 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 1,719 sqft
    2019-06-01 0 days 1,678 sqft
    2019-07-01 0 days 1,666 sqft
    2019-08-01 0 days 1,668 sqft
    2019-09-01 0 days 1,721 sqft
    2019-10-01 0 days 1,757 sqft
    2019-11-01 0 days 1,779 sqft
    2019-12-01 0 days 1,775 sqft
    2020-01-01 0 days 1,756 sqft
    2020-02-01 0 days 1,770 sqft
    2020-03-01 0 days 1,790 sqft
    2020-04-01 0 days 1,762 sqft
    2020-05-01 0 days 1,755 sqft
    2020-06-01 0 days 1,844 sqft
    2020-07-01 0 days 1,890 sqft
    2020-08-01 0 days 1,912 sqft
    2020-09-01 0 days 1,832 sqft
    2020-10-01 0 days 1,855 sqft
    2020-11-01 0 days 1,740 sqft
    2020-12-01 0 days 1,601 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 1,747 sqft
    2021-05-01 0 days 1,750 sqft
    2021-06-01 0 days 1,648 sqft
    2021-07-01 0 days 1,629 sqft
    2021-08-01 0 days 1,648 sqft
    2021-09-01 0 days 1,635 sqft
    2021-10-01 0 days 1,652 sqft
    2021-11-01 0 days 1,656 sqft
    2021-12-01 0 days 1,642 sqft
    2022-01-01 0 days 1,624 sqft
    2022-02-01 0 days 1,622 sqft
    2022-03-01 0 days 1,619 sqft
    2022-04-01 0 days 1,606 sqft
    2022-05-01 0 days 1,615 sqft
    2022-06-01 0 days 1,687 sqft
    2022-07-01 0 days 1,693 sqft
    2022-08-01 0 days 1,765 sqft
    2022-09-01 0 days 1,756 sqft
    2022-10-01 0 days 1,814 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 1,840 sqft
    2024-06-01 0 days 1,870 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
    2024-12-01 0 days 1,724 sqft
    2025-01-01 0 days 1,707 sqft
    2025-02-01 0 days 1,716 sqft
    2025-03-01 0 days 1,720 sqft
    2025-04-01 0 days 1,682 sqft
    2025-05-01 0 days 1,616 sqft
    2025-06-01 0 days 1,675 sqft
    Fond Du Lac's median listing age (time on market) for 2025-06-01 was 0 days.

    Fond Du Lac's median square footage for active listings during the 2025-06-01 period was 1,675 sqft. One year prior, the average listing was 1,870 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.