Oshkosh VA Loan Rates, Closing Costs & Stats

OSHKOSH-NEENAH, 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.

    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 6.58% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

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

    The average rate for the prior week (2025-07-04) was 6.69% and one month ago for the week of 2025-06-06, the average rate was 7.07%.

    The average rate one year ago was 6.79%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.55%.

    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%) 0.80 138
    2025-04-01 $332,400 (-7.3%) $410,455 (-8.7%) 0.77 139
    2025-05-01 $334,900 (-14.1%) $423,756 (-7.4%) 0.76 159
    2025-06-01 $352,450 (-3.4%) $424,301 (0.8%) 0.80 175
    Oshkosh's median listing price for 2025-06-01 was $352,450, a difference of $-12,450 (-3.4%) versus the prior year and $17,550 versus the prior month.

    Oshkosh's median listing price comes in at 80% of the national average.

    Oshkosh's average listing price for 2025-06-01 was $424,301, a difference of $3,450 (0.8%) versus the prior year and $545 versus the prior month.

    For the 2025-06-01 period, Oshkosh had 175 MLS listings, a difference of 16 listings (10%) versus the prior month and 26 listings (17%) 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 44 days 1,743 sqft
    2025-04-01 32 days 1,747 sqft
    2025-05-01 32 days 1,820 sqft
    2025-06-01 34 days 1,784 sqft
    Oshkosh's median listing age (time on market) for 2025-06-01 was 34 days. This is -9% shorter than the same period one year ago.

    Oshkosh's median square footage for active listings during the 2025-06-01 period was 1,784 sqft. One year prior, the average listing was 1,902 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.