Oshkosh VA Loan Rates, Closing Costs & Stats

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 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.

Oshkosh's 45 lenders originated 214 VA loans during 2024. The total origination value was $60,960,000, with an average VA loan value of $284,860.

Oshkosh VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Oshkosh averaged 6.47% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

Oshkosh's average VA mortgage closing costs are $4,969.

The average rate for the prior week (2025-03-28) was 6.69% and one month ago for the week of 2025-02-28, the average rate was 6.47%.

The average rate one year ago was 6.78%.

For refis of the same type during the week of 2025-04-04, the average rate was 6.04%.

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

Oshkosh 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 Oshkosh level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Mortgage Research Center, LLC 54 6.36% $7,399
UNITED WHOLESALE MORTGAGE, LLC 16 5.95% $6,653
FREEDOM MORTGAGE CORPORATION 16 6.52% $13,119
PENNYMAC LOAN SERVICES, LLC 11 5.85% $5,450
GUARANTEED RATE, INC. 8 6.38% $3,202
QUICKEN LOANS, LLC 8 5.93% $9,613
GUILD MORTGAGE COMPANY 7 6.84% $10,306
PLANET HOME LENDING, LLC 6 5.93% $4,127
Nations Lending Corporation 5 6.78% $7,077
Waterstone Mortgage Corporation 5 6.70% $9,044
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.95% $6,571
NEW DAY FINANCIAL, LLC 4 7.25% $8,754
CROSSCOUNTRY MORTGAGE, LLC 4 6.75% $10,655
NAVY FEDERAL CREDIT UNION 4 5.94% $5,769
USAA Federal Savings Bank 4 6.41% $6,937
Paramount Residential Mortgage Group, Inc. 3 6.92% $6,632
Mr. Cooper ( Nationstar Mortgage ) 3 6.25% $10,479
Ixonia Bank 3 6.63% $7,763
UNION HOME MORTGAGE CORP. 3 5.92% $4,159
Barrington Bank & Trust Company, N.A. 3 6.75% $5,071
LOANDEPOT.COM, LLC 3 6.71% $5,152
The Federal Savings Bank 3 6.17% $27,564
FIRST COLONY MORTGAGE CORPORATION 2 6.50% $3,183
LAKEVIEW LOAN SERVICING, LLC 2 5.75% $4,993
NEWREZ LLC 2 6.50% $5,941
CAPITAL Credit Union 2 6.19% $5,312
Wells Fargo Bank 2 6.56% $3,044
U.S. Bank 2 6.69% $3,203
First Federal Bank 2 6.63% $5,083
EVERETT FINANCIAL, INC. 1 7.50% $10,753
Century Mortgage Company DBA Century Lending Company 1 6.13% $15,058
CARDINAL FINANCIAL 1 7.75% $7,727
PREMIA MORTGAGE, LLC 1 6.63% $3,663
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.88% $800
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.63% $3,815
Stride Bank 1 6.25% $10,305
SUCCESS MORTGAGE PARTNERS, INC. 1 7.63% $7,726
Mid-Continent Funding, Inc. 1 5.38% $12,829
JMAC LENDING, INC. 1 6.75% $8,936
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.63% $2,072
CLEARPATH LENDING 1 5.75% $27,098
Bank Five Nine 1 6.25% $3,138
NBKC BANK 1 6.13% $9,675
AMERISAVE MORTGAGE CORPORATION 1 6.75% $19,626
VILLAGE CAPITAL MORTGAGE 1 5.75% $11,389

The top Oshkosh VA lender as defined by loan originations is Mortgage Research Center, LLC, with 54 VA loans originated. Their average total fees are $7,399, which is $746 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Oshkosh VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC ($5,450), UNITED WHOLESALE MORTGAGE, LLC ($6,653), Mortgage Research Center, LLC ($7,399), FREEDOM MORTGAGE CORPORATION ($13,119) and .

The lowest rate Oshkosh VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.85%), UNITED WHOLESALE MORTGAGE, LLC (5.95%), Mortgage Research Center, LLC (6.36%), FREEDOM MORTGAGE CORPORATION (6.52%) and .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Oshkosh (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 $155,000 (9.4%) $228,533 (6.9%) 0.57 545
2018-02-01 $155,000 (6.1%) $226,314 (4.8%) 0.56 597
2018-03-01 $169,900 (14.5%) $236,652 (8.0%) 0.60 613
2018-04-01 $204,900 (29.8%) $291,577 (31.3%) 0.69 359
2018-05-01 $215,000 (33.2%) $297,468 (32.6%) 0.72 371
2018-06-01 $199,900 (28.6%) $281,187 (26.5%) 0.67 393
2018-07-01 $183,950 (18.8%) $279,026 (27.0%) 0.61 403
2018-08-01 $182,500 (21.3%) $272,966 (24.0%) 0.61 423
2018-09-01 $182,500 (17.8%) $266,236 (16.5%) 0.61 421
2018-10-01 $177,175 (14.3%) $265,491 (16.7%) 0.60 417
2018-11-01 $174,500 (12.7%) $262,548 (18.3%) 0.59 409
2018-12-01 $169,900 (13.3%) $261,212 (17.4%) 0.59 369
2019-01-01 $164,763 (6.3%) $263,819 (15.4%) 0.57 340
2019-02-01 $184,450 (19.0%) $274,368 (21.2%) 0.62 317
2019-03-01 $190,807 (12.3%) $283,227 (19.7%) 0.62 300
2019-04-01 $190,057 (-7.2%) $285,451 (-2.1%) 0.60 288
2019-05-01 $209,900 (-2.4%) $290,766 (-2.3%) 0.66 301
2019-06-01 $204,950 (2.5%) $287,178 (2.1%) 0.64 330
2019-07-01 $217,450 (18.2%) $291,164 (4.4%) 0.68 372
2019-08-01 $222,200 (21.8%) $300,239 (10.0%) 0.70 387
2019-09-01 $218,150 (19.5%) $294,536 (10.6%) 0.70 411
2019-10-01 $215,450 (21.6%) $290,733 (9.5%) 0.70 419
2019-11-01 $209,900 (20.3%) $289,396 (10.2%) 0.69 391
2019-12-01 $219,900 (29.4%) $288,807 (10.6%) 0.73 337
2020-01-01 $224,975 (36.5%) $282,310 (7.0%) 0.75 292
2020-02-01 $237,500 (28.8%) $297,425 (8.4%) 0.78 272
2020-03-01 $257,150 (34.8%) $327,715 (15.7%) 0.81 265
2020-04-01 $266,700 (40.3%) $332,232 (16.4%) 0.84 259
2020-05-01 $259,900 (23.8%) $335,805 (15.5%) 0.79 239
2020-06-01 $264,650 (29.1%) $354,056 (23.3%) 0.78 223
2020-07-01 $256,725 (18.1%) $355,214 (22.0%) 0.74 206
2020-08-01 $232,400 (4.6%) $328,715 (9.5%) 0.67 212
2020-09-01 $233,725 (7.1%) $336,046 (14.1%) 0.67 209
2020-10-01 $225,000 (4.4%) $344,265 (18.4%) 0.64 196
2020-11-01 $218,225 (4.0%) $328,632 (13.6%) 0.64 183
2020-12-01 $219,200 (-0.3%) $353,280 (22.3%) 0.65 159
2021-01-01 $230,000 (2.2%) $381,203 (35.0%) 0.69 121
2021-02-01 $232,450 (-2.1%) $388,205 (30.5%) 0.68 117
2021-03-01 $238,675 (-7.2%) $389,385 (18.8%) 0.68 111
2021-04-01 $232,500 (-12.8%) $373,084 (12.3%) 0.63 117
2021-05-01 $264,900 (1.9%) $367,714 (9.5%) 0.70 142
2021-06-01 $254,625 (-3.8%) $363,523 (2.7%) 0.67 157
2021-07-01 $229,900 (-10.5%) $347,308 (-2.2%) 0.61 162
2021-08-01 $236,150 (1.6%) $335,309 (2.0%) 0.63 183
2021-09-01 $233,675 (0.0%) $337,910 (0.6%) 0.62 187
2021-10-01 $239,000 (6.2%) $348,646 (1.3%) 0.64 180
2021-11-01 $251,975 (15.5%) $351,785 (7.1%) 0.67 170
2021-12-01 $230,000 (4.9%) $322,186 (-8.8%) 0.62 138
2022-01-01 $249,900 (8.7%) $338,529 (-11.2%) 0.68 103
2022-02-01 $242,400 (4.3%) $340,789 (-12.2%) 0.63 97
2022-03-01 $282,425 (18.3%) $366,632 (-5.8%) 0.71 74
2022-04-01 $279,900 (20.4%) $345,926 (-7.3%) 0.67 94
2022-05-01 $292,675 (10.5%) $348,127 (-5.3%) 0.67 124
2022-06-01 $288,720 (13.4%) $342,091 (-5.9%) 0.64 152
2022-07-01 $259,900 (13.1%) $332,615 (-4.2%) 0.59 168
2022-08-01 $293,725 (24.4%) $354,521 (5.7%) 0.68 172
2022-09-01 $274,925 (17.7%) $348,623 (3.2%) 0.64 146
2022-10-01 $269,900 (12.9%) $333,526 (-4.3%) 0.64 160
2022-11-01 $287,200 (14.0%) $346,333 (-1.6%) 0.69 163
2022-12-01 $279,900 (21.7%) $351,788 (9.2%) 0.69 153
2023-01-01 $336,400 (34.6%) $409,667 (21.0%) 0.83 114
2023-02-01 $370,150 (52.7%) $442,578 (29.9%) 0.89 103
2023-03-01 $373,425 (32.2%) $443,724 (21.0%) 0.88 92
2023-04-01 $331,987 (18.6%) $407,724 (17.9%) 0.77 113
2023-05-01 $314,550 (7.5%) $395,385 (13.6%) 0.71 109
2023-06-01 $333,700 (15.6%) $398,872 (16.6%) 0.75 118
2023-07-01 $319,900 (23.1%) $401,434 (20.7%) 0.73 120
2023-08-01 $335,550 (14.2%) $402,753 (13.6%) 0.77 119
2023-09-01 $317,250 (15.4%) $395,294 (13.4%) 0.74 139
2023-10-01 $314,900 (16.7%) $380,025 (13.9%) 0.74 151
2023-11-01 $317,400 (10.5%) $378,299 (9.2%) 0.76 153
2023-12-01 $294,900 (5.4%) $379,696 (7.9%) 0.72 136
2024-01-01 $307,200 (-8.7%) $386,872 (-5.6%) 0.75 111
2024-02-01 $324,800 (-12.3%) $400,739 (-9.5%) 0.78 101
2024-03-01 $349,500 (-6.4%) $435,520 (-1.9%) 0.82 115
2024-04-01 $358,550 (8.0%) $449,684 (10.3%) 0.83 145
2024-05-01 $389,675 (23.9%) $457,793 (15.8%) 0.89 151
2024-06-01 $364,900 (9.4%) $420,851 (5.5%) 0.83 149
2024-07-01 $348,675 (9.0%) $419,591 (4.5%) 0.80 149
2024-08-01 $329,900 (-1.7%) $406,834 (1.0%) 0.77 190
2024-09-01 $304,900 (-3.9%) $380,716 (-3.7%) 0.72 205
2024-10-01 $312,400 (-0.8%) $372,270 (-2.0%) 0.74 213
2024-11-01 $319,900 (0.8%) $374,643 (-1.0%) 0.77 230
2024-12-01 $299,925 (1.7%) $365,928 (-3.6%) 0.75 204
2025-01-01 $304,900 (-0.8%) $367,554 (-5.0%) 0.76 183
2025-02-01 $341,125 (5.0%) $394,467 (-1.6%) 0.83 146
2025-03-01 $339,900 (-2.8%) $403,298 (-7.4%) 0.00 138
Oshkosh's median listing price for 2025-03-01 was $339,900, a difference of $-9,600 (-2.8%) versus the prior year and $-1,225 versus the prior month.

Oshkosh's median listing price comes in at 0% of the national average.

Oshkosh's average listing price for 2025-03-01 was $403,298, a difference of $-32,222 (-7.4%) versus the prior year and $8,831 versus the prior month.

For the 2025-03-01 period, Oshkosh had 138 MLS listings, a difference of -8 listings (-5%) versus the prior month and 23 listings (20%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Oshkosh (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 84 days 1,686 sqft
2018-02-01 74 days 1,672 sqft
2018-03-01 53 days 1,731 sqft
2018-04-01 55 days 1,811 sqft
2018-05-01 52 days 1,827 sqft
2018-06-01 50 days 1,807 sqft
2018-07-01 52 days 1,736 sqft
2018-08-01 53 days 1,740 sqft
2018-09-01 52 days 1,759 sqft
2018-10-01 57 days 1,704 sqft
2018-11-01 65 days 1,669 sqft
2018-12-01 81 days 1,661 sqft
2019-01-01 91 days 1,665 sqft
2019-02-01 88 days 1,677 sqft
2019-03-01 75 days 1,706 sqft
2019-04-01 62 days 1,732 sqft
2019-05-01 49 days 1,776 sqft
2019-06-01 47 days 1,822 sqft
2019-07-01 50 days 1,823 sqft
2019-08-01 52 days 1,840 sqft
2019-09-01 51 days 1,804 sqft
2019-10-01 52 days 1,780 sqft
2019-11-01 64 days 1,799 sqft
2019-12-01 80 days 1,776 sqft
2020-01-01 82 days 1,750 sqft
2020-02-01 68 days 1,776 sqft
2020-03-01 53 days 1,818 sqft
2020-04-01 56 days 1,881 sqft
2020-05-01 68 days 1,824 sqft
2020-06-01 58 days 1,842 sqft
2020-07-01 52 days 1,870 sqft
2020-08-01 50 days 1,790 sqft
2020-09-01 50 days 1,786 sqft
2020-10-01 59 days 1,800 sqft
2020-11-01 56 days 1,771 sqft
2020-12-01 63 days 1,761 sqft
2021-01-01 79 days 1,763 sqft
2021-02-01 68 days 1,836 sqft
2021-03-01 45 days 1,752 sqft
2021-04-01 41 days 1,729 sqft
2021-05-01 29 days 1,740 sqft
2021-06-01 31 days 1,779 sqft
2021-07-01 44 days 1,725 sqft
2021-08-01 38 days 1,721 sqft
2021-09-01 45 days 1,615 sqft
2021-10-01 47 days 1,642 sqft
2021-11-01 51 days 1,693 sqft
2021-12-01 54 days 1,690 sqft
2022-01-01 57 days 1,765 sqft
2022-02-01 40 days 1,613 sqft
2022-03-01 43 days 1,726 sqft
2022-04-01 25 days 1,610 sqft
2022-05-01 24 days 1,662 sqft
2022-06-01 22 days 1,709 sqft
2022-07-01 32 days 1,652 sqft
2022-08-01 40 days 1,664 sqft
2022-09-01 43 days 1,672 sqft
2022-10-01 42 days 1,652 sqft
2022-11-01 49 days 1,700 sqft
2022-12-01 51 days 1,651 sqft
2023-01-01 61 days 1,700 sqft
2023-02-01 59 days 1,753 sqft
2023-03-01 46 days 1,812 sqft
2023-04-01 34 days 1,788 sqft
2023-05-01 37 days 1,749 sqft
2023-06-01 38 days 1,837 sqft
2023-07-01 30 days 1,888 sqft
2023-08-01 37 days 1,906 sqft
2023-09-01 32 days 1,847 sqft
2023-10-01 35 days 1,830 sqft
2023-11-01 42 days 1,788 sqft
2023-12-01 48 days 1,769 sqft
2024-01-01 48 days 1,702 sqft
2024-02-01 41 days 1,787 sqft
2024-03-01 29 days 1,847 sqft
2024-04-01 27 days 1,852 sqft
2024-05-01 34 days 1,836 sqft
2024-06-01 37 days 1,902 sqft
2024-07-01 35 days 1,970 sqft
2024-08-01 29 days 1,829 sqft
2024-09-01 35 days 1,741 sqft
2024-10-01 37 days 1,700 sqft
2024-11-01 36 days 1,660 sqft
2024-12-01 51 days 1,651 sqft
2025-01-01 60 days 1,692 sqft
2025-02-01 59 days 1,712 sqft
2025-03-01 0 days 1,743 sqft
Oshkosh's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

Oshkosh's median square footage for active listings during the 2025-03-01 period was 1,743 sqft. One year prior, the average listing was 1,847 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.