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 38 lenders originated 120 VA loans during 2023. The total origination value was $31,740,000, with an average VA loan value of $264,500.

Oshkosh VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Oshkosh averaged 0.42% for the week of 2024-11-29, compared to the national average (all VA variants) of 0% for the same period.

Oshkosh's average VA mortgage closing costs are $4,603.

The average rate for the prior week (2024-11-22) was 6.68% and one month ago for the week of 2024-10-25, the average rate was 6.58%.

The average rate one year ago was 6.92%.

For refis of the same type during the week of 2024-11-29, the average rate was 0.32%.

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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Mortgage Research Center, LLC 33 6.71% $6,635
NAVY FEDERAL CREDIT UNION 8 5.89% $4,972
Nations Lending Corporation 6 6.85% $8,690
UNITED WHOLESALE MORTGAGE, LLC 6 6.74% $7,076
Waterstone Mortgage Corporation 5 7.08% $11,802
QUICKEN LOANS, LLC 5 6.14% $8,195
NEW DAY FINANCIAL, LLC 5 7.42% $12,197
GUARANTEED RATE, INC. 4 6.72% $7,437
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 7.25% $10,901
AMERISAVE MORTGAGE CORPORATION 3 5.75% $6,912
GSF Mortgage Corporation 3 6.88% $7,546
PENNYMAC LOAN SERVICES, LLC 3 6.42% $7,086
Barrington Bank & Trust Company, N.A. 3 6.92% $9,265
U.S. Bank 3 6.63% $6,115
AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.38% $15,799
USAA Federal Savings Bank 2 5.75% $6,768
Wells Fargo Bank 2 6.31% $3,014
FREEDOM MORTGAGE CORPORATION 2 7.00% $8,816
LOANDEPOT.COM, LLC 2 5.63% $16,191
Mid-Continent Funding, Inc. 1 6.25% $12,749
Bank First, N.A. 1 6.75% $6,313
Bank of England 1 6.25% $9,643
CARDINAL FINANCIAL 1 5.75% $4,624
CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $11,060
FIRST CENTENNIAL MORTGAGE CORPORATION 1 5.75% $4,482
First Federal Bank 1 6.50% $6,133
Flagstar Bank, FSB 1 6.25% $1,331
GUILD MORTGAGE COMPANY 1 7.13% $2,761
HOMESIDE FINANCIAL, LLC 1 7.25% $8,151
LAKEVIEW LOAN SERVICING, LLC 1 5.75% $13,121
ALTRA 1 5.63% $1,988
MOVEMENT MORTGAGE, LLC 1 6.75% $1,754
M&T Bank 1 6.63% $5,498
Paramount Residential Mortgage Group, Inc. 1 6.75% $10,400
PREMIA MORTGAGE, LLC 1 5.75% $7,450
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $9,778
Prosperity Home Mortgage, LLC 1 5.50% $13,352
TOWNE MORTGAGE COMPANY 1 6.75% $7,075

The top Oshkosh VA lender as defined by loan originations is Mortgage Research Center, LLC, with 33 VA loans originated. Their average total fees are $6,635, which is $1,664 higher than the next largest lender, NAVY FEDERAL CREDIT UNION.

The lowest fee Oshkosh VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($6,635), .

The lowest rate Oshkosh VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.71%), .


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 (9.2%) $228,544 (6.6%) 0.57 545
2018-02-01 $155,000 (5.2%) $226,463 (4.7%) 0.56 597
2018-03-01 $169,900 (14.1%) $236,786 (7.9%) 0.60 613
2018-04-01 $209,925 (32.5%) $292,679 (31.5%) 0.71 361
2018-05-01 $217,225 (33.8%) $298,042 (32.7%) 0.73 372
2018-06-01 $199,900 (28.0%) $281,339 (26.3%) 0.67 394
2018-07-01 $184,425 (19.1%) $279,191 (26.9%) 0.62 404
2018-08-01 $183,100 (20.9%) $273,135 (24.0%) 0.61 424
2018-09-01 $182,700 (18.0%) $266,463 (16.4%) 0.61 423
2018-10-01 $179,450 (15.8%) $265,726 (16.6%) 0.61 419
2018-11-01 $177,000 (14.3%) $262,793 (18.2%) 0.60 411
2018-12-01 $169,900 (13.3%) $261,403 (17.4%) 0.59 371
2019-01-01 $164,900 (6.4%) $263,994 (15.5%) 0.57 343
2019-02-01 $184,950 (19.3%) $274,460 (21.2%) 0.62 320
2019-03-01 $198,657 (16.9%) $283,240 (19.6%) 0.65 303
2019-04-01 $197,207 (-6.1%) $285,547 (-2.4%) 0.63 290
2019-05-01 $212,400 (-2.2%) $290,883 (-2.4%) 0.66 303
2019-06-01 $205,000 (2.6%) $287,275 (2.1%) 0.64 332
2019-07-01 $219,900 (19.2%) $291,228 (4.3%) 0.69 374
2019-08-01 $222,200 (21.4%) $300,239 (9.9%) 0.70 389
2019-09-01 $218,150 (19.4%) $294,530 (10.5%) 0.70 412
2019-10-01 $215,450 (20.1%) $290,723 (9.4%) 0.70 420
2019-11-01 $209,900 (18.6%) $289,364 (10.1%) 0.69 392
2019-12-01 $219,900 (29.4%) $288,791 (10.5%) 0.73 337
2020-01-01 $224,975 (36.4%) $282,310 (6.9%) 0.75 292
2020-02-01 $237,500 (28.4%) $297,425 (8.4%) 0.78 272
2020-03-01 $257,425 (29.6%) $327,901 (15.8%) 0.81 265
2020-04-01 $267,175 (35.5%) $332,681 (16.5%) 0.84 260
2020-05-01 $264,450 (24.5%) $336,351 (15.6%) 0.80 241
2020-06-01 $264,900 (29.2%) $354,117 (23.3%) 0.78 224
2020-07-01 $257,100 (16.9%) $355,450 (22.1%) 0.75 207
2020-08-01 $236,200 (6.3%) $328,884 (9.5%) 0.68 214
2020-09-01 $235,575 (8.0%) $336,022 (14.1%) 0.68 209
2020-10-01 $225,000 (4.4%) $344,265 (18.4%) 0.64 196
2020-11-01 $219,450 (4.6%) $328,568 (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 (-7.3%) $389,385 (18.8%) 0.68 111
2021-04-01 $232,500 (-13.0%) $373,084 (12.1%) 0.63 117
2021-05-01 $264,900 (0.2%) $367,714 (9.3%) 0.70 142
2021-06-01 $254,925 (-3.8%) $363,409 (2.6%) 0.67 159
2021-07-01 $237,500 (-7.6%) $347,902 (-2.1%) 0.63 164
2021-08-01 $238,675 (1.1%) $335,995 (2.2%) 0.64 185
2021-09-01 $237,113 (0.7%) $338,758 (0.8%) 0.63 188
2021-10-01 $239,500 (6.4%) $349,191 (1.4%) 0.64 181
2021-11-01 $254,450 (16.0%) $352,438 (7.3%) 0.68 172
2021-12-01 $241,200 (10.0%) $323,559 (-8.4%) 0.65 141
2022-01-01 $249,900 (8.7%) $338,529 (-11.2%) 0.68 107
2022-02-01 $247,450 (6.5%) $341,178 (-12.1%) 0.64 99
2022-03-01 $282,950 (18.6%) $368,048 (-5.5%) 0.71 76
2022-04-01 $292,400 (25.8%) $348,184 (-6.7%) 0.70 96
2022-05-01 $292,900 (10.6%) $349,401 (-5.0%) 0.67 125
2022-06-01 $288,720 (13.3%) $342,091 (-5.9%) 0.64 152
2022-07-01 $259,900 (9.4%) $334,065 (-4.0%) 0.59 168
2022-08-01 $293,725 (23.1%) $354,521 (5.5%) 0.68 172
2022-09-01 $274,925 (16.0%) $348,999 (3.0%) 0.64 146
2022-10-01 $269,900 (12.7%) $333,526 (-4.5%) 0.64 160
2022-11-01 $287,200 (12.9%) $346,333 (-1.7%) 0.69 163
2022-12-01 $279,900 (16.0%) $351,995 (8.8%) 0.69 153
2023-01-01 $336,400 (34.6%) $409,667 (21.0%) 0.83 114
2023-02-01 $370,150 (49.6%) $442,578 (29.7%) 0.89 103
2023-03-01 $373,425 (32.0%) $443,724 (20.6%) 0.88 92
2023-04-01 $331,987 (13.5%) $407,724 (17.1%) 0.77 113
2023-05-01 $314,550 (7.4%) $395,385 (13.2%) 0.71 109
2023-06-01 $333,700 (15.6%) $398,872 (16.6%) 0.75 118
2023-07-01 $324,900 (25.0%) $401,434 (20.2%) 0.74 120
2023-08-01 $335,550 (14.2%) $402,753 (13.6%) 0.77 119
2023-09-01 $317,250 (15.4%) $395,294 (13.3%) 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 $399,675 (27.1%) $467,010 (18.1%) 0.90 151
2024-06-01 $389,450 (16.7%) $448,334 (12.4%) 0.88 150
2024-07-01 $348,675 (7.3%) $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
Oshkosh's median listing price for 2024-10-01 was $312,400, a difference of $-2,500 (-0.8%) versus the prior year and $7,500 versus the prior month.

Oshkosh's median listing price comes in at 74% of the national average.

Oshkosh's average listing price for 2024-10-01 was $372,270, a difference of $-7,755 (-2.0%) versus the prior year and $-8,446 versus the prior month.

For the 2024-10-01 period, Oshkosh had 213 MLS listings, a difference of 8 listings (4%) versus the prior month and 62 listings (41%) 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 1,688 sqft
2018-02-01 74 days 1,672 sqft
2018-03-01 54 days 1,731 sqft
2018-04-01 55 days 1,815 sqft
2018-05-01 52 days 1,828 sqft
2018-06-01 51 days 1,811 sqft
2018-07-01 52 days 1,741 sqft
2018-08-01 53 days 1,743 sqft
2018-09-01 52 days 1,760 sqft
2018-10-01 57 days 1,704 sqft
2018-11-01 65 days 1,669 sqft
2018-12-01 81 days 1,662 sqft
2019-01-01 91 days 1,663 sqft
2019-02-01 88 days 1,675 sqft
2019-03-01 75 days 1,698 sqft
2019-04-01 62 days 1,725 sqft
2019-05-01 50 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 52 days 1,804 sqft
2019-10-01 52 days 1,780 sqft
2019-11-01 64 days 1,797 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 55 days 1,890 sqft
2020-05-01 67 days 1,839 sqft
2020-06-01 58 days 1,846 sqft
2020-07-01 53 days 1,872 sqft
2020-08-01 50 days 1,790 sqft
2020-09-01 50 days 1,780 sqft
2020-10-01 59 days 1,788 sqft
2020-11-01 56 days 1,771 sqft
2020-12-01 63 days 1,761 sqft
2021-01-01 79 days 1,762 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 30 days 1,773 sqft
2021-07-01 44 days 1,725 sqft
2021-08-01 38 days 1,720 sqft
2021-09-01 46 days 1,627 sqft
2021-10-01 47 days 1,643 sqft
2021-11-01 51 days 1,698 sqft
2021-12-01 54 days 1,689 sqft
2022-01-01 57 days 1,765 sqft
2022-02-01 40 days 1,607 sqft
2022-03-01 43 days 1,732 sqft
2022-04-01 26 days 1,610 sqft
2022-05-01 25 days 1,665 sqft
2022-06-01 22 days 1,709 sqft
2022-07-01 32 days 1,657 sqft
2022-08-01 40 days 1,664 sqft
2022-09-01 43 days 1,674 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 31 days 1,884 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 30 days 1,859 sqft
2024-06-01 23 days 2,008 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
Oshkosh's median listing age (time on market) for 2024-10-01 was 37 days. This is 6% longer than the same period one year ago.

Oshkosh's median square footage for active listings during the 2024-10-01 period was 1,700 sqft. One year prior, the average listing was 1,830 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.