La Crosse VA Loan Rates, Closing Costs & Stats

LA CROSSE-ONALASKA, WI-MN

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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.

    La Crosse's 34 lenders originated 144 VA loans during 2024. The total origination value was $48,430,000, with an average VA loan value of $336,319.

    La Crosse VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in La Crosse averaged 6.94% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    La Crosse's average VA mortgage closing costs are $5,271.

    The average rate for the prior week (2025-07-11) was 6.73% and one month ago for the week of 2025-06-13, the average rate was 6.9%.

    The average rate one year ago was 6.8%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.87%.

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

    La Crosse 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 La Crosse level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 31 6.31% $7,943
    UNITED WHOLESALE MORTGAGE, LLC 14 6.01% $6,798
    FREEDOM MORTGAGE CORPORATION 13 6.58% $7,873
    USAA Federal Savings Bank 11 6.31% $9,859
    ALTRA 7 6.02% $5,287
    CROSSCOUNTRY MORTGAGE, LLC 5 6.24% $5,768
    PENNYMAC LOAN SERVICES, LLC 4 5.97% $5,470
    NAVY FEDERAL CREDIT UNION 4 5.88% $5,545
    FIRST COLONY MORTGAGE CORPORATION 4 6.13% $8,970
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 6.56% $3,632
    UNION HOME MORTGAGE CORP. 3 6.17% $9,254
    EVERETT FINANCIAL, INC. 3 6.46% $9,336
    Servion, Inc. 3 6.46% $4,100
    Wells Fargo Bank 2 6.13% $10,904
    Armed Forces Bank 2 6.00% $5,745
    Granite Community Bank 2 6.69% $6,505
    LOANDEPOT.COM, LLC 2 6.56% $3,305
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 8.13% $363
    QUICKEN LOANS, LLC 2 5.74% $15,307
    U.S. Bank 2 6.44% $8,704
    VILLAGE CAPITAL MORTGAGE 2 5.81% $2,442
    PLANET HOME LENDING, LLC 1 6.38% $1,040
    VERITAS FUNDING, LLC 1 5.75% $15,018
    FLAT BRANCH MORTGAGE, INC. 1 6.63% $7,835
    Sierra Pacific Mortgage Company, Inc. 1 5.75% $9,686
    The Federal Savings Bank 1 6.25% $13,584
    The Huntington National Bank 1 6.13% $3,145
    Flagstar Bank, FSB 1 6.75% $2,044
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.75% $7,369
    BROKER SOLUTIONS, INC. 1 7.75% $14,659
    Bell Bank 1 6.50% $4,377
    Mr. Cooper ( Nationstar Mortgage ) 1 6.25% $8,827
    MOVEMENT MORTGAGE, LLC 1 5.25% $4,894
    GUARANTEED RATE, INC. 1 6.13% $1,178

    The top La Crosse VA lender as defined by loan originations is Mortgage Research Center, LLC, with 31 VA loans originated. Their average total fees are $7,943, which is $1,145 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee La Crosse VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($6,798), FREEDOM MORTGAGE CORPORATION ($7,873), Mortgage Research Center, LLC ($7,943), USAA Federal Savings Bank ($9,859) and .

    The lowest rate La Crosse VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.01%), Mortgage Research Center, LLC (6.31%), USAA Federal Savings Bank (6.31%), FREEDOM MORTGAGE CORPORATION (6.58%) and .

    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.