Green Bay VA Loan Rates, Closing Costs & Stats

GREEN BAY, 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.

    Green Bay's 59 lenders originated 255 VA loans during 2023. The total origination value was $73,645,000, with an average VA loan value of $288,804.

    Green Bay VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Green Bay averaged 0.14% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    Green Bay's average VA mortgage closing costs are $4,565.

    The average rate for the prior week (2024-11-08) was 6.45% and one month ago for the week of 2024-10-11, the average rate was 6.21%.

    The average rate one year ago was 7.6%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0.21%.

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

    Green Bay 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 Green Bay level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 46 6.72% $6,658
    UNITED WHOLESALE MORTGAGE, LLC 27 6.41% $6,235
    QUICKEN LOANS, LLC 18 6.05% $11,996
    NAVY FEDERAL CREDIT UNION 15 5.80% $6,935
    GUARANTEED RATE, INC. 14 6.49% $3,638
    CROSSCOUNTRY MORTGAGE, LLC 8 7.09% $6,393
    Nations Lending Corporation 7 6.45% $6,580
    USAA Federal Savings Bank 6 6.54% $5,461
    Barrington Bank & Trust Company, N.A. 5 6.55% $6,892
    Flagstar Bank, FSB 5 6.45% $3,764
    FREEDOM MORTGAGE CORPORATION 5 6.60% $19,578
    GUILD MORTGAGE COMPANY 5 6.80% $10,512
    The Federal Savings Bank 4 6.06% $9,619
    PENNYMAC LOAN SERVICES, LLC 4 5.47% $5,974
    MOVEMENT MORTGAGE, LLC 4 6.72% $4,891
    NEW DAY FINANCIAL, LLC 4 7.46% $24,492
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.67% $10,463
    CARDINAL FINANCIAL 3 7.25% $10,873
    U.S. Bank 3 6.25% $3,102
    V.I.P. MORTGAGE, INC. 3 6.42% $6,513
    Mr. Cooper ( Nationstar Mortgage ) 3 5.83% $12,574
    BROKER SOLUTIONS, INC. 3 6.75% $6,318
    Wells Fargo Bank 2 5.81% $4,984
    Ameris Bank 2 6.44% $3,034
    Associated Bank 2 6.88% $1,408
    GSF Mortgage Corporation 2 7.06% $2,708
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.88% $5,180
    HOMESIDE FINANCIAL, LLC 2 7.00% $13,358
    LOANDEPOT.COM, LLC 2 6.49% $10,833
    LOANPAL, LLC 2 5.94% $14,186
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.50% $17,415
    PENTAGON FEDERAL CREDIT UNION 2 5.00% $8,294
    VILLAGE CAPITAL MORTGAGE 2 7.06% $7,589
    MICHIGAN MUTUAL, INC. 1 6.63% $7,391
    Ixonia Bank 1 7.50% $2,565
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 7.75% $1,359
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.75% $6,184
    AMERICAN FINANCIAL NETWORK, INC. 1 6.75% $4,920
    CORNERSTONE HOME LENDING, INC. 1 7.50% $742
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.75% $5,937
    CMG MORTGAGE, INC. 1 6.00% $9,926
    NETWORK CAPITAL FUNDING CORPORATION 1 6.00% $7,137
    CHURCHILL MORTGAGE CORPORATION 1 6.25% $3,590
    North American Savings Bank, F.S.B. 1 6.75% $3,235
    Century Mortgage Company DBA Century Lending Company 1 7.13% $2,601
    American Mortgage & Equity Consultants, Inc. 1 6.75% $8,236
    Plains Commerce Bank 1 5.88% $5,824
    PLAZA HOME MORTGAGE, INC. 1 7.25% $3,357
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $8,916
    Carrington Mortgage Services, LLC 1 5.50% $5,133
    Servion, Inc. 1 6.63% $3,841
    Sunflower Bank 1 6.99% $8,760
    CAPITAL Credit Union 1 6.38% $2,110
    Armed Forces Bank 1 7.13% $2,822
    JPMorgan Chase Bank 1 5.99% $1,667
    LAKEVIEW LOAN SERVICING, LLC 1 5.25% $15,975
    LEADERONE FINANCIAL CORPORATION 1 6.25% $7,246
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $11,129
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.75% $5,292

    The top Green Bay VA lender as defined by loan originations is Mortgage Research Center, LLC, with 46 VA loans originated. Their average total fees are $6,658, which is $424 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Green Bay VA lenders (with over 10 loans originated) are GUARANTEED RATE, INC. ($3,638), UNITED WHOLESALE MORTGAGE, LLC ($6,235), Mortgage Research Center, LLC ($6,658), NAVY FEDERAL CREDIT UNION ($6,935) and QUICKEN LOANS, LLC ($11,996).

    The lowest rate Green Bay VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION (5.80%), QUICKEN LOANS, LLC (6.05%), UNITED WHOLESALE MORTGAGE, LLC (6.41%), GUARANTEED RATE, INC. (6.49%) and Mortgage Research Center, LLC (6.72%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Green Bay (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 $214,925 (19.5%) $261,790 (14.9%) 0.80 1,071
    2018-02-01 $219,650 (20.4%) $264,024 (12.9%) 0.80 1,116
    2018-03-01 $224,900 (18.7%) $263,619 (11.7%) 0.79 1,129
    2018-04-01 $253,200 (33.3%) $301,735 (28.5%) 0.86 765
    2018-05-01 $259,900 (32.7%) $304,616 (28.5%) 0.87 798
    2018-06-01 $249,900 (25.1%) $300,595 (26.6%) 0.83 892
    2018-07-01 $249,925 (27.2%) $301,410 (29.0%) 0.83 944
    2018-08-01 $246,400 (28.7%) $292,538 (24.5%) 0.83 1,040
    2018-09-01 $244,900 (27.3%) $290,070 (21.4%) 0.82 1,065
    2018-10-01 $237,450 (19.1%) $281,539 (16.7%) 0.80 1,031
    2018-11-01 $229,925 (15.5%) $277,827 (13.7%) 0.78 992
    2018-12-01 $230,700 (15.4%) $280,880 (11.4%) 0.80 895
    2019-01-01 $239,900 (11.6%) $279,088 (6.6%) 0.83 790
    2019-02-01 $249,900 (13.8%) $291,350 (10.4%) 0.84 728
    2019-03-01 $256,371 (14.0%) $303,773 (15.2%) 0.84 713
    2019-04-01 $267,450 (5.6%) $315,132 (4.4%) 0.85 712
    2019-05-01 $264,950 (1.9%) $310,507 (1.9%) 0.83 785
    2019-06-01 $259,900 (4.0%) $306,030 (1.8%) 0.81 881
    2019-07-01 $252,075 (0.9%) $292,743 (-2.9%) 0.79 950
    2019-08-01 $249,099 (1.1%) $288,085 (-1.5%) 0.79 959
    2019-09-01 $247,748 (1.2%) $287,444 (-0.9%) 0.79 957
    2019-10-01 $248,449 (4.6%) $290,746 (3.3%) 0.80 927
    2019-11-01 $259,900 (13.0%) $297,937 (7.2%) 0.85 793
    2019-12-01 $266,225 (15.4%) $309,772 (10.3%) 0.89 735
    2020-01-01 $269,900 (12.5%) $321,528 (15.2%) 0.90 652
    2020-02-01 $279,900 (12.0%) $325,204 (11.6%) 0.92 622
    2020-03-01 $286,100 (11.6%) $333,918 (9.9%) 0.90 645
    2020-04-01 $282,425 (5.6%) $335,331 (6.4%) 0.88 637
    2020-05-01 $289,900 (9.4%) $343,183 (10.5%) 0.88 589
    2020-06-01 $292,675 (12.6%) $340,825 (11.4%) 0.86 576
    2020-07-01 $296,450 (17.6%) $347,789 (18.8%) 0.86 531
    2020-08-01 $284,900 (14.4%) $340,829 (18.3%) 0.82 504
    2020-09-01 $262,900 (6.1%) $330,598 (15.0%) 0.75 494
    2020-10-01 $267,450 (7.7%) $341,303 (17.4%) 0.77 462
    2020-11-01 $267,450 (2.9%) $345,476 (16.0%) 0.78 438
    2020-12-01 $271,150 (1.9%) $351,244 (13.4%) 0.81 370
    2021-01-01 $279,900 (3.7%) $363,740 (13.1%) 0.84 310
    2021-02-01 $296,400 (5.9%) $392,997 (20.9%) 0.86 276
    2021-03-01 $309,900 (8.3%) $407,490 (22.0%) 0.88 271
    2021-04-01 $299,900 (6.2%) $402,127 (19.9%) 0.81 273
    2021-05-01 $299,900 (3.5%) $396,105 (15.4%) 0.80 286
    2021-06-01 $307,400 (5.0%) $388,909 (14.1%) 0.81 331
    2021-07-01 $319,900 (7.9%) $392,407 (12.8%) 0.84 385
    2021-08-01 $320,450 (12.5%) $395,822 (16.1%) 0.85 396
    2021-09-01 $309,750 (17.8%) $380,167 (15.0%) 0.83 428
    2021-10-01 $317,450 (18.7%) $375,611 (10.1%) 0.85 422
    2021-11-01 $325,950 (21.9%) $394,062 (14.1%) 0.87 346
    2021-12-01 $335,900 (23.9%) $409,136 (16.5%) 0.91 302
    2022-01-01 $337,400 (20.5%) $432,986 (19.0%) 0.91 254
    2022-02-01 $343,450 (15.9%) $449,314 (14.3%) 0.89 222
    2022-03-01 $343,925 (11.0%) $450,719 (10.6%) 0.86 229
    2022-04-01 $384,700 (28.3%) $467,618 (16.3%) 0.92 309
    2022-05-01 $377,450 (25.9%) $458,203 (15.7%) 0.86 357
    2022-06-01 $392,400 (27.7%) $461,871 (18.8%) 0.87 430
    2022-07-01 $389,900 (21.9%) $447,231 (14.0%) 0.88 505
    2022-08-01 $389,925 (21.7%) $449,833 (13.7%) 0.90 489
    2022-09-01 $392,400 (26.7%) $448,419 (18.0%) 0.92 469
    2022-10-01 $405,900 (27.9%) $467,983 (24.6%) 0.96 501
    2022-11-01 $399,950 (22.7%) $466,885 (18.5%) 0.96 487
    2022-12-01 $408,900 (21.7%) $473,107 (15.6%) 1.01 441
    2023-01-01 $424,488 (25.8%) $489,184 (13.0%) 1.05 397
    2023-02-01 $434,400 (26.5%) $506,508 (12.7%) 1.05 330
    2023-03-01 $429,900 (25.0%) $527,303 (17.0%) 1.01 320
    2023-04-01 $413,750 (7.6%) $516,266 (10.4%) 0.96 274
    2023-05-01 $401,925 (6.5%) $511,361 (11.6%) 0.91 279
    2023-06-01 $398,700 (1.6%) $488,707 (5.8%) 0.90 311
    2023-07-01 $410,000 (5.2%) $512,449 (14.6%) 0.93 374
    2023-08-01 $417,425 (7.1%) $507,319 (12.8%) 0.96 380
    2023-09-01 $417,400 (6.4%) $502,908 (12.2%) 0.97 415
    2023-10-01 $422,400 (4.1%) $500,113 (6.9%) 0.99 451
    2023-11-01 $412,200 (3.1%) $518,380 (11.0%) 0.98 443
    2023-12-01 $424,800 (3.9%) $540,915 (14.3%) 1.04 389
    2024-01-01 $426,150 (0.4%) $547,637 (12.0%) 1.04 361
    2024-02-01 $447,175 (2.9%) $566,062 (11.8%) 1.08 357
    2024-03-01 $454,900 (5.8%) $574,599 (9.0%) 1.07 345
    2024-04-01 $464,400 (12.2%) $579,296 (12.2%) 1.08 340
    2024-05-01 $472,400 (17.5%) $586,405 (14.7%) 1.07 401
    2024-06-01 $459,900 (15.4%) $581,003 (18.9%) 1.03 414
    2024-07-01 $447,450 (9.1%) $555,567 (8.4%) 1.02 501
    2024-08-01 $449,500 (7.7%) $544,555 (7.3%) 1.05 521
    2024-09-01 $439,950 (5.4%) $529,557 (5.3%) 1.04 523
    2024-10-01 $442,300 (4.7%) $533,166 (6.6%) 1.04 523
    Green Bay's median listing price for 2024-10-01 was $442,300, a difference of $19,900 (4.7%) versus the prior year and $2,350 versus the prior month.

    Green Bay's median listing price comes in at 104% of the national average.

    Green Bay's average listing price for 2024-10-01 was $533,166, a difference of $33,053 (6.6%) versus the prior year and $3,609 versus the prior month.

    For the 2024-10-01 period, Green Bay had 523 MLS listings, a difference of 0 listings (0%) versus the prior month and 72 listings (16%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Green Bay (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 99 days 1,780 sqft
    2018-02-01 91 days 1,784 sqft
    2018-03-01 61 days 1,820 sqft
    2018-04-01 58 days 1,851 sqft
    2018-05-01 54 days 1,868 sqft
    2018-06-01 49 days 1,878 sqft
    2018-07-01 52 days 1,890 sqft
    2018-08-01 57 days 1,887 sqft
    2018-09-01 59 days 1,866 sqft
    2018-10-01 66 days 1,840 sqft
    2018-11-01 71 days 1,806 sqft
    2018-12-01 85 days 1,796 sqft
    2019-01-01 91 days 1,801 sqft
    2019-02-01 96 days 1,820 sqft
    2019-03-01 83 days 1,822 sqft
    2019-04-01 68 days 1,833 sqft
    2019-05-01 53 days 1,852 sqft
    2019-06-01 50 days 1,855 sqft
    2019-07-01 53 days 1,869 sqft
    2019-08-01 58 days 1,860 sqft
    2019-09-01 62 days 1,821 sqft
    2019-10-01 66 days 1,799 sqft
    2019-11-01 74 days 1,796 sqft
    2019-12-01 81 days 1,791 sqft
    2020-01-01 92 days 1,778 sqft
    2020-02-01 92 days 1,786 sqft
    2020-03-01 63 days 1,819 sqft
    2020-04-01 65 days 1,830 sqft
    2020-05-01 78 days 1,848 sqft
    2020-06-01 71 days 1,849 sqft
    2020-07-01 58 days 1,888 sqft
    2020-08-01 57 days 1,841 sqft
    2020-09-01 55 days 1,811 sqft
    2020-10-01 59 days 1,821 sqft
    2020-11-01 61 days 1,817 sqft
    2020-12-01 71 days 1,737 sqft
    2021-01-01 85 days 1,738 sqft
    2021-02-01 70 days 1,759 sqft
    2021-03-01 52 days 1,863 sqft
    2021-04-01 39 days 1,854 sqft
    2021-05-01 37 days 1,817 sqft
    2021-06-01 34 days 1,762 sqft
    2021-07-01 43 days 1,808 sqft
    2021-08-01 45 days 1,799 sqft
    2021-09-01 47 days 1,795 sqft
    2021-10-01 49 days 1,759 sqft
    2021-11-01 53 days 1,788 sqft
    2021-12-01 60 days 1,755 sqft
    2022-01-01 66 days 1,660 sqft
    2022-02-01 70 days 1,716 sqft
    2022-03-01 42 days 1,799 sqft
    2022-04-01 24 days 1,649 sqft
    2022-05-01 40 days 1,640 sqft
    2022-06-01 39 days 1,638 sqft
    2022-07-01 44 days 1,650 sqft
    2022-08-01 55 days 1,669 sqft
    2022-09-01 65 days 1,650 sqft
    2022-10-01 67 days 1,696 sqft
    2022-11-01 69 days 1,675 sqft
    2022-12-01 80 days 1,664 sqft
    2023-01-01 99 days 1,627 sqft
    2023-02-01 109 days 1,672 sqft
    2023-03-01 79 days 1,726 sqft
    2023-04-01 47 days 1,887 sqft
    2023-05-01 40 days 1,941 sqft
    2023-06-01 36 days 1,936 sqft
    2023-07-01 36 days 1,909 sqft
    2023-08-01 44 days 1,903 sqft
    2023-09-01 45 days 1,902 sqft
    2023-10-01 49 days 1,883 sqft
    2023-11-01 54 days 1,895 sqft
    2023-12-01 74 days 1,912 sqft
    2024-01-01 81 days 1,893 sqft
    2024-02-01 78 days 1,980 sqft
    2024-03-01 46 days 1,964 sqft
    2024-04-01 45 days 1,992 sqft
    2024-05-01 31 days 1,997 sqft
    2024-06-01 36 days 2,018 sqft
    2024-07-01 34 days 1,983 sqft
    2024-08-01 46 days 1,976 sqft
    2024-09-01 48 days 1,951 sqft
    2024-10-01 49 days 1,916 sqft
    Green Bay's median listing age (time on market) for 2024-10-01 was 49 days. This is 1% longer than the same period one year ago.

    Green Bay's median square footage for active listings during the 2024-10-01 period was 1,916 sqft. One year prior, the average listing was 1,883 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.