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 0.56% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

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

    The average rate for the prior week (2025-06-27) was 6.69% and one month ago for the week of 2025-05-30, the average rate was 7.02%.

    The average rate one year ago was 7.03%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.58%.

    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 .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - La Crosse (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 $208,950 (6.1%) $266,853 (3.9%) 0.77 378
    2018-02-01 $224,825 (14.4%) $275,886 (6.9%) 0.82 367
    2018-03-01 $225,450 (15.0%) $284,271 (9.0%) 0.79 378
    2018-04-01 $238,075 (19.1%) $296,662 (13.0%) 0.81 388
    2018-05-01 $229,575 (10.6%) $301,113 (14.2%) 0.77 443
    2018-06-01 $234,900 (8.0%) $305,916 (13.2%) 0.78 487
    2018-07-01 $229,925 (4.6%) $298,031 (8.7%) 0.77 526
    2018-08-01 $229,700 (5.7%) $295,106 (10.3%) 0.77 548
    2018-09-01 $239,900 (12.9%) $298,793 (12.2%) 0.81 534
    2018-10-01 $236,675 (13.5%) $294,249 (13.5%) 0.80 501
    2018-11-01 $233,950 (17.0%) $289,677 (13.5%) 0.79 451
    2018-12-01 $219,950 (6.5%) $291,226 (15.2%) 0.76 390
    2019-01-01 $219,950 (5.3%) $290,791 (9.0%) 0.76 324
    2019-02-01 $237,425 (5.6%) $304,225 (10.3%) 0.80 315
    2019-03-01 $244,186 (8.3%) $307,039 (8.0%) 0.80 334
    2019-04-01 $247,936 (4.1%) $305,062 (2.8%) 0.79 386
    2019-05-01 $243,650 (6.1%) $303,610 (0.8%) 0.76 419
    2019-06-01 $248,750 (5.9%) $302,754 (-1.0%) 0.78 502
    2019-07-01 $249,450 (8.5%) $307,671 (3.2%) 0.78 516
    2019-08-01 $239,973 (4.5%) $306,482 (3.9%) 0.76 526
    2019-09-01 $239,932 (0.0%) $304,557 (1.9%) 0.77 538
    2019-10-01 $239,905 (1.4%) $303,115 (3.0%) 0.77 539
    2019-11-01 $239,900 (2.5%) $301,878 (4.2%) 0.79 490
    2019-12-01 $241,225 (9.7%) $295,947 (1.6%) 0.80 429
    2020-01-01 $239,225 (8.8%) $293,215 (0.8%) 0.80 372
    2020-02-01 $241,900 (1.9%) $306,169 (0.6%) 0.79 349
    2020-03-01 $249,450 (2.2%) $316,854 (3.2%) 0.78 362
    2020-04-01 $259,000 (4.5%) $317,873 (4.2%) 0.81 345
    2020-05-01 $254,950 (4.6%) $307,847 (1.4%) 0.77 352
    2020-06-01 $267,200 (7.4%) $310,905 (2.7%) 0.79 378
    2020-07-01 $274,450 (10.0%) $315,031 (2.4%) 0.80 396
    2020-08-01 $264,900 (10.4%) $305,734 (-0.2%) 0.76 393
    2020-09-01 $245,175 (2.2%) $294,729 (-3.2%) 0.70 379
    2020-10-01 $239,698 (-0.1%) $290,999 (-4.0%) 0.69 349
    2020-11-01 $239,450 (-0.2%) $292,335 (-3.2%) 0.70 305
    2020-12-01 $229,150 (-5.0%) $287,372 (-2.9%) 0.68 253
    2021-01-01 $229,900 (-3.9%) $297,561 (1.5%) 0.69 183
    2021-02-01 $244,900 (1.2%) $315,898 (3.2%) 0.71 171
    2021-03-01 $268,125 (7.5%) $322,032 (1.6%) 0.76 164
    2021-04-01 $273,700 (5.7%) $331,063 (4.2%) 0.74 168
    2021-05-01 $299,500 (17.5%) $333,367 (8.3%) 0.80 173
    2021-06-01 $297,400 (11.3%) $338,275 (8.8%) 0.78 173
    2021-07-01 $267,400 (-2.6%) $336,857 (6.9%) 0.71 211
    2021-08-01 $279,900 (5.7%) $338,288 (10.7%) 0.75 228
    2021-09-01 $271,450 (10.7%) $327,539 (11.1%) 0.72 245
    2021-10-01 $289,000 (20.6%) $331,556 (13.9%) 0.77 239
    2021-11-01 $289,950 (21.1%) $343,387 (17.5%) 0.78 198
    2021-12-01 $273,700 (19.4%) $347,351 (20.9%) 0.74 186
    2022-01-01 $300,000 (30.5%) $367,070 (23.4%) 0.81 145
    2022-02-01 $299,900 (22.5%) $371,638 (17.6%) 0.78 120
    2022-03-01 $309,950 (15.6%) $378,954 (17.7%) 0.78 121
    2022-04-01 $324,000 (18.4%) $381,009 (15.1%) 0.77 121
    2022-05-01 $331,350 (10.6%) $400,371 (20.1%) 0.76 165
    2022-06-01 $324,725 (9.2%) $399,929 (18.2%) 0.72 193
    2022-07-01 $312,900 (17.0%) $393,706 (16.9%) 0.70 223
    2022-08-01 $319,950 (14.3%) $398,155 (17.7%) 0.74 239
    2022-09-01 $344,450 (26.9%) $396,491 (21.1%) 0.81 231
    2022-10-01 $347,000 (20.1%) $388,901 (17.3%) 0.82 229
    2022-11-01 $346,225 (19.4%) $374,213 (9.0%) 0.83 216
    2022-12-01 $354,900 (29.7%) $377,458 (8.7%) 0.88 165
    2023-01-01 $347,450 (15.8%) $379,466 (3.4%) 0.86 142
    2023-02-01 $347,425 (15.9%) $370,757 (-0.2%) 0.84 134
    2023-03-01 $327,225 (5.6%) $359,222 (-5.2%) 0.77 134
    2023-04-01 $350,000 (8.0%) $367,464 (-3.6%) 0.81 143
    2023-05-01 $331,975 (0.2%) $370,051 (-7.6%) 0.75 162
    2023-06-01 $326,175 (0.5%) $377,378 (-5.6%) 0.73 166
    2023-07-01 $319,000 (2.0%) $366,121 (-7.0%) 0.73 176
    2023-08-01 $326,950 (2.2%) $374,529 (-5.9%) 0.75 202
    2023-09-01 $299,900 (-12.9%) $372,973 (-5.9%) 0.70 200
    2023-10-01 $319,425 (-8.0%) $369,439 (-5.0%) 0.75 223
    2023-11-01 $324,225 (-6.4%) $371,096 (-0.8%) 0.77 210
    2023-12-01 $329,900 (-7.0%) $380,835 (0.9%) 0.80 201
    2024-01-01 $336,000 (-3.3%) $387,472 (2.1%) 0.82 160
    2024-02-01 $329,225 (-5.2%) $390,843 (5.4%) 0.79 145
    2024-03-01 $359,900 (10.0%) $387,852 (8.0%) 0.85 151
    2024-04-01 $359,700 (2.8%) $402,851 (9.6%) 0.84 184
    2024-05-01 $379,900 (14.4%) $430,589 (16.4%) 0.86 195
    2024-06-01 $377,450 (15.7%) $431,557 (14.4%) 0.86 221
    2024-07-01 $377,350 (18.3%) $435,621 (19.0%) 0.86 229
    2024-08-01 $368,950 (12.9%) $420,481 (12.3%) 0.86 260
    2024-09-01 $360,725 (20.3%) $411,927 (10.4%) 0.85 277
    2024-10-01 $369,500 (15.7%) $424,196 (14.8%) 0.87 291
    2024-11-01 $360,000 (11.0%) $408,095 (10.0%) 0.86 283
    2024-12-01 $339,675 (3.0%) $406,136 (6.6%) 0.84 248
    2025-01-01 $334,675 (-0.4%) $400,737 (3.4%) 0.84 229
    2025-02-01 $358,475 (8.9%) $411,461 (5.3%) 0.87 197
    2025-03-01 $382,500 (6.3%) $435,818 (12.4%) 0.90 199
    2025-04-01 $395,050 (9.8%) $445,017 (10.5%) 0.92 196
    2025-05-01 $399,000 (5.0%) $455,488 (5.8%) 0.91 240
    La Crosse's median listing price for 2025-05-01 was $399,000, a difference of $19,100 (5.0%) versus the prior year and $3,950 versus the prior month.

    La Crosse's median listing price comes in at 91% of the national average.

    La Crosse's average listing price for 2025-05-01 was $455,488, a difference of $24,899 (5.8%) versus the prior year and $10,471 versus the prior month.

    For the 2025-05-01 period, La Crosse had 240 MLS listings, a difference of 44 listings (22%) versus the prior month and 45 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - La Crosse (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 76 days 1,847 sqft
    2018-02-01 76 days 1,896 sqft
    2018-03-01 54 days 1,815 sqft
    2018-04-01 44 days 1,960 sqft
    2018-05-01 38 days 1,976 sqft
    2018-06-01 39 days 2,000 sqft
    2018-07-01 44 days 2,017 sqft
    2018-08-01 48 days 2,008 sqft
    2018-09-01 51 days 2,041 sqft
    2018-10-01 58 days 2,065 sqft
    2018-11-01 65 days 2,064 sqft
    2018-12-01 79 days 1,972 sqft
    2019-01-01 87 days 1,863 sqft
    2019-02-01 77 days 1,994 sqft
    2019-03-01 58 days 2,017 sqft
    2019-04-01 37 days 2,036 sqft
    2019-05-01 34 days 2,037 sqft
    2019-06-01 37 days 2,086 sqft
    2019-07-01 40 days 2,090 sqft
    2019-08-01 45 days 2,053 sqft
    2019-09-01 47 days 2,014 sqft
    2019-10-01 50 days 1,983 sqft
    2019-11-01 58 days 1,978 sqft
    2019-12-01 71 days 1,982 sqft
    2020-01-01 86 days 1,997 sqft
    2020-02-01 88 days 2,000 sqft
    2020-03-01 52 days 2,005 sqft
    2020-04-01 49 days 2,011 sqft
    2020-05-01 54 days 2,010 sqft
    2020-06-01 40 days 2,040 sqft
    2020-07-01 45 days 2,137 sqft
    2020-08-01 44 days 2,024 sqft
    2020-09-01 45 days 1,904 sqft
    2020-10-01 46 days 1,884 sqft
    2020-11-01 53 days 1,831 sqft
    2020-12-01 58 days 1,730 sqft
    2021-01-01 57 days 1,733 sqft
    2021-02-01 40 days 1,794 sqft
    2021-03-01 28 days 1,815 sqft
    2021-04-01 26 days 1,853 sqft
    2021-05-01 22 days 1,890 sqft
    2021-06-01 29 days 1,855 sqft
    2021-07-01 26 days 1,811 sqft
    2021-08-01 29 days 1,853 sqft
    2021-09-01 35 days 1,877 sqft
    2021-10-01 44 days 1,890 sqft
    2021-11-01 51 days 1,908 sqft
    2021-12-01 52 days 1,899 sqft
    2022-01-01 61 days 1,935 sqft
    2022-02-01 48 days 1,933 sqft
    2022-03-01 17 days 1,861 sqft
    2022-04-01 17 days 1,900 sqft
    2022-05-01 16 days 1,933 sqft
    2022-06-01 24 days 1,916 sqft
    2022-07-01 29 days 1,896 sqft
    2022-08-01 33 days 1,882 sqft
    2022-09-01 38 days 1,944 sqft
    2022-10-01 37 days 1,953 sqft
    2022-11-01 44 days 1,937 sqft
    2022-12-01 62 days 2,010 sqft
    2023-01-01 76 days 1,923 sqft
    2023-02-01 56 days 1,856 sqft
    2023-03-01 31 days 1,852 sqft
    2023-04-01 33 days 1,875 sqft
    2023-05-01 31 days 1,866 sqft
    2023-06-01 39 days 1,849 sqft
    2023-07-01 42 days 1,815 sqft
    2023-08-01 37 days 1,825 sqft
    2023-09-01 42 days 1,816 sqft
    2023-10-01 40 days 1,867 sqft
    2023-11-01 43 days 1,868 sqft
    2023-12-01 53 days 1,870 sqft
    2024-01-01 68 days 1,866 sqft
    2024-02-01 60 days 1,850 sqft
    2024-03-01 42 days 1,900 sqft
    2024-04-01 31 days 1,879 sqft
    2024-05-01 38 days 1,910 sqft
    2024-06-01 46 days 1,970 sqft
    2024-07-01 38 days 2,000 sqft
    2024-08-01 35 days 1,960 sqft
    2024-09-01 39 days 1,855 sqft
    2024-10-01 44 days 1,939 sqft
    2024-11-01 50 days 1,878 sqft
    2024-12-01 64 days 1,886 sqft
    2025-01-01 70 days 1,853 sqft
    2025-02-01 71 days 1,857 sqft
    2025-03-01 58 days 1,943 sqft
    2025-04-01 41 days 1,955 sqft
    2025-05-01 36 days 2,000 sqft
    La Crosse's median listing age (time on market) for 2025-05-01 was 36 days. This is -4% shorter than the same period one year ago.

    La Crosse's median square footage for active listings during the 2025-05-01 period was 2,000 sqft. One year prior, the average listing was 1,910 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.