Oshkosh VA Loans
OSHKOSH-NEENAH, 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 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.
Oshkosh's 68 lenders originated 438 VA loans during 2021. The total origination value was $91,600,000, with an average VA loan value of $209,132.
Oshkosh VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Oshkosh
averaged
5.77%
for the week of 2022-05-13, compared to the national average (all VA variants) of
5.158% for the same period.
The average rate for the prior week (2022-05-06) was
5.4% and
one month ago for the week of 2022-04-08, the
average rate was 5.02%.
The average rate one year ago was 3.34%.
For refis of the same type during the week of 2022-05-13, the average rate
was 5.26%.
Oshkosh VA Loan Lenders by Rates & Fees
The below table looks at the average fees and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Oshkosh level.
The top Oshkosh VA lender as defined by loan originations is Mortgage Research Center, LLC, with
56 VA loans originated. Their average total fees are
$5,443, which is $3,476
higher than the next largest lender,
FREEDOM MORTGAGE CORPORATION.
The lowest fee Oshkosh VA lenders (with over 10 loans originated) are
FREEDOM MORTGAGE CORPORATION ($1,967), Wells Fargo Bank ($2,089), UNITED WHOLESALE MORTGAGE, LLC ($2,869), FINANCE OF AMERICA MORTGAGE LLC ($3,726) and USAA Federal Savings Bank ($4,432).
The lowest rate Oshkosh VA lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (2.44%), FREEDOM MORTGAGE CORPORATION (2.50%), NAVY FEDERAL CREDIT UNION (2.52%), QUICKEN LOANS, LLC (2.56%) and PENNYMAC LOAN SERVICES, LLC (2.56%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Oshkosh (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $169,900 (11.7%) | $243,731 (7.1%) | 0.63 | 557 |
2018-02-01 | $171,200 (10.5%) | $241,457 (5.1%) | 0.62 | 617 |
2018-03-01 | $184,900 (15.7%) | $249,528 (6.8%) | 0.64 | 639 |
2018-04-01 | $225,400 (28.9%) | $309,487 (32.2%) | 0.76 | 381 |
2018-05-01 | $224,700 (28.4%) | $311,431 (32.3%) | 0.75 | 394 |
2018-06-01 | $209,900 (22.5%) | $292,488 (25.0%) | 0.70 | 415 |
2018-07-01 | $197,400 (19.7%) | $290,966 (26.1%) | 0.66 | 419 |
2018-08-01 | $197,400 (22.5%) | $285,119 (23.4%) | 0.66 | 446 |
2018-09-01 | $197,400 (17.6%) | $281,003 (17.5%) | 0.66 | 444 |
2018-10-01 | $190,000 (16.0%) | $280,010 (17.9%) | 0.64 | 445 |
2018-11-01 | $199,900 (24.9%) | $279,248 (20.8%) | 0.67 | 433 |
2018-12-01 | $185,000 (15.7%) | $280,080 (19.0%) | 0.63 | 389 |
2019-01-01 | $182,400 (7.4%) | $285,990 (17.3%) | 0.63 | 362 |
2019-02-01 | $204,900 (19.7%) | $295,172 (22.3%) | 0.69 | 338 |
2019-03-01 | $219,514 (18.7%) | $305,394 (22.4%) | 0.72 | 323 |
2019-04-01 | $222,064 (-1.5%) | $307,311 (-0.7%) | 0.70 | 306 |
2019-05-01 | $224,000 (-0.3%) | $304,265 (-2.3%) | 0.69 | 312 |
2019-06-01 | $224,900 (7.2%) | $302,056 (3.3%) | 0.69 | 344 |
2019-07-01 | $219,950 (11.4%) | $302,629 (4.0%) | 0.68 | 373 |
2019-08-01 | $220,714 (11.8%) | $309,543 (8.6%) | 0.69 | 377 |
2019-09-01 | $215,000 (8.9%) | $299,568 (6.6%) | 0.68 | 393 |
2019-10-01 | $223,450 (17.6%) | $299,904 (7.1%) | 0.71 | 429 |
2019-11-01 | $219,900 (10.0%) | $301,529 (8.0%) | 0.71 | 402 |
2019-12-01 | $222,450 (20.2%) | $287,564 (2.7%) | 0.74 | 340 |
2020-01-01 | $222,500 (22.0%) | $281,852 (-1.5%) | 0.74 | 296 |
2020-02-01 | $239,900 (17.1%) | $296,128 (0.3%) | 0.77 | 272 |
2020-03-01 | $261,950 (19.3%) | $327,667 (7.3%) | 0.82 | 272 |
2020-04-01 | $269,900 (21.5%) | $333,683 (8.6%) | 0.84 | 268 |
2020-05-01 | $275,000 (22.8%) | $352,506 (15.9%) | 0.83 | 249 |
2020-06-01 | $275,450 (22.5%) | $372,351 (23.3%) | 0.80 | 220 |
2020-07-01 | $279,900 (27.3%) | $384,722 (27.1%) | 0.80 | 204 |
2020-08-01 | $259,900 (17.8%) | $352,370 (13.8%) | 0.74 | 214 |
2020-09-01 | $244,950 (13.9%) | $350,983 (17.2%) | 0.70 | 205 |
2020-10-01 | $249,900 (11.8%) | $358,717 (19.6%) | 0.71 | 199 |
2020-11-01 | $247,450 (12.5%) | $353,649 (17.3%) | 0.71 | 188 |
2020-12-01 | $242,400 (9.0%) | $367,826 (27.9%) | 0.71 | 163 |
2021-01-01 | $258,500 (16.2%) | $393,104 (39.5%) | 0.76 | 127 |
2021-02-01 | $266,900 (11.3%) | $403,049 (36.1%) | 0.77 | 120 |
2021-03-01 | $262,450 (0.2%) | $395,524 (20.7%) | 0.74 | 116 |
2021-04-01 | $257,500 (-4.6%) | $389,083 (16.6%) | 0.69 | 122 |
2021-05-01 | $280,000 (1.8%) | $374,600 (6.3%) | 0.74 | 145 |
2021-06-01 | $272,450 (-1.1%) | $362,744 (-2.6%) | 0.71 | 166 |
2021-07-01 | $259,900 (-7.2%) | $351,337 (-8.7%) | 0.68 | 166 |
2021-08-01 | $247,500 (-4.8%) | $331,083 (-6.0%) | 0.65 | 191 |
2021-09-01 | $249,900 (2.0%) | $337,414 (-3.9%) | 0.66 | 192 |
2021-10-01 | $260,000 (4.0%) | $349,863 (-2.5%) | 0.68 | 186 |
2021-11-01 | $262,450 (6.1%) | $351,775 (-0.5%) | 0.69 | 176 |
2021-12-01 | $254,900 (5.2%) | $324,061 (-11.9%) | 0.68 | 144 |
2022-01-01 | $264,900 (2.5%) | $341,018 (-13.3%) | 0.71 | 106 |
2022-02-01 | $247,400 (-7.3%) | $343,447 (-14.8%) | 0.63 | 99 |
2022-03-01 | $287,717 (9.6%) | $365,361 (-7.6%) | 0.71 | 80 |
2022-04-01 | $294,900 (14.5%) | $347,235 (-10.8%) | 0.69 | 95 |
Oshkosh's median listing price comes in at 69% of the national average.
Oshkosh's average listing price for 2022-04-01 was $347,235, a difference of $-41,848 (-10.8%) versus the prior year and $-18,126 versus the prior month.
For the 2022-04-01 period, Oshkosh had 95 MLS listings, a difference of 15 listings (19%) versus the prior month and -27 listings (-22%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Oshkosh (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 88 days | 1,723 sqft |
2018-02-01 | 78 days | 1,723 sqft |
2018-03-01 | 55 days | 1,790 sqft |
2018-04-01 | 63 days | 1,859 sqft |
2018-05-01 | 57 days | 1,886 sqft |
2018-06-01 | 54 days | 1,832 sqft |
2018-07-01 | 58 days | 1,810 sqft |
2018-08-01 | 57 days | 1,822 sqft |
2018-09-01 | 56 days | 1,832 sqft |
2018-10-01 | 63 days | 1,746 sqft |
2018-11-01 | 68 days | 1,725 sqft |
2018-12-01 | 84 days | 1,714 sqft |
2019-01-01 | 93 days | 1,717 sqft |
2019-02-01 | 93 days | 1,733 sqft |
2019-03-01 | 74 days | 1,788 sqft |
2019-04-01 | 65 days | 1,805 sqft |
2019-05-01 | 54 days | 1,806 sqft |
2019-06-01 | 47 days | 1,830 sqft |
2019-07-01 | 49 days | 1,842 sqft |
2019-08-01 | 52 days | 1,817 sqft |
2019-09-01 | 51 days | 1,782 sqft |
2019-10-01 | 52 days | 1,773 sqft |
2019-11-01 | 64 days | 1,800 sqft |
2019-12-01 | 80 days | 1,778 sqft |
2020-01-01 | 88 days | 1,753 sqft |
2020-02-01 | 71 days | 1,776 sqft |
2020-03-01 | 56 days | 1,877 sqft |
2020-04-01 | 55 days | 1,910 sqft |
2020-05-01 | 60 days | 1,935 sqft |
2020-06-01 | 58 days | 1,912 sqft |
2020-07-01 | 50 days | 1,920 sqft |
2020-08-01 | 42 days | 1,800 sqft |
2020-09-01 | 43 days | 1,800 sqft |
2020-10-01 | 51 days | 1,806 sqft |
2020-11-01 | 51 days | 1,814 sqft |
2020-12-01 | 57 days | 1,779 sqft |
2021-01-01 | 73 days | 1,776 sqft |
2021-02-01 | 65 days | 1,869 sqft |
2021-03-01 | 44 days | 1,753 sqft |
2021-04-01 | 45 days | 1,723 sqft |
2021-05-01 | 31 days | 1,739 sqft |
2021-06-01 | 33 days | 1,776 sqft |
2021-07-01 | 41 days | 1,726 sqft |
2021-08-01 | 38 days | 1,724 sqft |
2021-09-01 | 43 days | 1,627 sqft |
2021-10-01 | 45 days | 1,650 sqft |
2021-11-01 | 49 days | 1,723 sqft |
2021-12-01 | 53 days | 1,711 sqft |
2022-01-01 | 56 days | 1,762 sqft |
2022-02-01 | 46 days | 1,612 sqft |
2022-03-01 | 42 days | 1,752 sqft |
2022-04-01 | 30 days | 1,638 sqft |
Oshkosh's median square footage for active listings during the 2022-04-01 period was 1,638 sqft. One year prior, the average listing was 1,723 sqft.