OSHKOSH - NEENAH Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Oshkosh - Neenah averaged
6.8%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.85% and
one month ago for the week of 2025-04-17, the
average rate was 6.87%.
Oshkosh - Neenah's average rate one year ago was 7.06%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.26%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Oshkosh - Neenah 30 Year Fixed Rate | 2025-05-22 | 6.8% |
| Oshkosh - Neenah 30 Year Fixed Rate Refi | 2025-05-22 | 7.26% |
| Oshkosh - Neenah 15 Year Fixed Rate | 2025-05-22 | 5.91% |
| Oshkosh - Neenah 15 Year Fixed Rate Refi | 2025-05-22 | 6.21% |
| Oshkosh - Neenah 30 Year FHA | 2025-05-22 | 6.71% |
| Oshkosh - Neenah 30 Year FHA Refi | 2025-05-22 | 6.81% |
| Oshkosh - Neenah 30 Year USDA | 2025-05-22 | 6.23% |
| Oshkosh - Neenah 30 Year USDA Refi | 2025-05-22 | 6.53% |
| Oshkosh - Neenah 30 Year VA | 2025-05-22 | 7.01% |
| Oshkosh - Neenah 30 Year VA Refi | 2025-05-22 | 6.72% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within OSHKOSH-NEENAH, WI.
OSHKOSH - NEENAH Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the OSHKOSH-NEENAH, WI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
OSHKOSH - NEENAH Average Closing Costs & Other Stats
OSHKOSH-NEENAH, WI's 136 lenders originated 4,187
loans during 2024. The total origination value was $873,035,000, with an average loan value of
$208,511.
OSHKOSH - NEENAH's average closing costs are $3,288.
The top OSHKOSH - NEENAH lender as defined by loan originations is Community First Credit Union, with
157 loans originated. Their average total fees are
$2,615, which is $464
higher than the next largest lender,
FOX COMMUNITIES.
The lowest fee OSHKOSH - NEENAH lenders (with over 10 loans originated) are
Horicon Bank ($1,424), Johnson Bank ($1,926), PROSPERA Credit Union ($2,046), FOX COMMUNITIES ($2,151) and Associated Bank ($2,350).
The lowest rate OSHKOSH - NEENAH lenders (with over 10 loans originated) are
Community First Credit Union (6.24%), CAPITAL Credit Union (6.29%), CoVantage Credit Union (6.34%), Old National Bank (6.38%) and Associated Bank (6.41%).
OSHKOSH-NEENAH, WI Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Community First Credit Union | $98,100,000 | $103,450,000 | 5.5% | 11.8% |
| VERVE, A CREDIT UNION | $27,130,000 | $58,210,000 | 114.6% | 6.7% |
| Nicolet National Bank | $30,570,000 | $47,795,000 | 56.3% | 5.5% |
| Intercity State Bank | $36,090,000 | n/a | 4.1% | |
| FOX COMMUNITIES | $34,380,000 | $33,645,000 | -2.1% | 3.9% |
| U.S. Bank | $20,825,000 | $27,770,000 | 33.3% | 3.2% |
| QUICKEN LOANS, LLC | $16,785,000 | $27,420,000 | 63.4% | 3.1% |
| Associated Bank | $21,975,000 | $27,005,000 | 22.9% | 3.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $16,120,000 | $24,760,000 | 53.6% | 2.8% |
| GUILD MORTGAGE COMPANY | $6,555,000 | $21,380,000 | 226.2% | 2.4% |
| West Pointe Bank | $7,600,000 | $19,025,000 | 150.3% | 2.2% |
| CAPITAL Credit Union | $12,270,000 | $18,045,000 | 47.1% | 2.1% |
| Mortgage Research Center, LLC | $9,005,000 | $16,715,000 | 85.6% | 1.9% |
| BMO Harris Bank | $7,435,000 | $16,140,000 | 117.1% | 1.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $10,645,000 | $14,660,000 | 37.7% | 1.7% |
| Nations Lending Corporation | $11,880,000 | $14,245,000 | 19.9% | 1.6% |
| CoVantage Credit Union | $9,945,000 | $13,035,000 | 31.1% | 1.5% |
| WINNEBAGO COMMUNITY | $10,120,000 | $12,740,000 | 25.9% | 1.5% |
| Home State Bank | $695,000 | $12,585,000 | 1,710.8% | 1.4% |
| Waterstone Mortgage Corporation | $8,535,000 | $12,075,000 | 41.5% | 1.4% |
| GUARANTEED RATE, INC. | $11,815,000 | $9,960,000 | -15.7% | 1.1% |
| Horicon Bank | $6,130,000 | $9,745,000 | 59.0% | 1.1% |
| Wells Fargo Bank | $9,115,000 | $9,300,000 | 2.0% | 1.1% |
| University of Wisconsin Credit Union | $7,585,000 | $9,035,000 | 19.1% | 1.0% |
| Bank First, N.A. | $10,240,000 | $8,945,000 | -12.6% | 1.0% |
| Old National Bank | $10,055,000 | $8,725,000 | -13.2% | 1.0% |
| Johnson Bank | $6,850,000 | $8,680,000 | 26.7% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $3,270,000 | $8,665,000 | 165.0% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $1,340,000 | $8,180,000 | 510.4% | 0.9% |
| Fox Valley Savings Bank | $8,205,000 | $8,160,000 | -0.5% | 0.9% |
| Barrington Bank & Trust Company, N.A. | $5,120,000 | $7,210,000 | 40.8% | 0.8% |
| Fortifi Bank | $9,565,000 | $6,980,000 | -27.0% | 0.8% |
| JPMorgan Chase Bank | $8,280,000 | $6,860,000 | -17.1% | 0.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $3,030,000 | $6,515,000 | 115.0% | 0.7% |
| Premier Community Bank | $4,900,000 | $6,440,000 | 31.4% | 0.7% |
| East Wisconsin Savings Bank | $5,940,000 | $6,275,000 | 5.6% | 0.7% |
| LOANDEPOT.COM, LLC | $3,630,000 | $6,205,000 | 70.9% | 0.7% |
| Landmark Credit Union | $5,455,000 | $5,590,000 | 2.5% | 0.6% |
| Wolf River Community Bank | $3,745,000 | $5,495,000 | 46.7% | 0.6% |
| Ixonia Bank | $3,680,000 | $5,295,000 | 43.9% | 0.6% |
| BLC Community Bank | $3,170,000 | $5,235,000 | 65.1% | 0.6% |
| Summit Credit Union | $4,270,000 | $4,700,000 | 10.1% | 0.5% |
| AbbyBank | $4,965,000 | $4,635,000 | -6.6% | 0.5% |
| PROSPERA Credit Union | $5,925,000 | $4,295,000 | -27.5% | 0.5% |
| NexBank | $505,000 | $4,130,000 | 717.8% | 0.5% |
| North Shore Bank FSB | $1,615,000 | $4,100,000 | 153.9% | 0.5% |
| FIRST COLONY MORTGAGE CORPORATION | $3,430,000 | n/a | 0.4% | |
| Prosperity Home Mortgage, LLC | $1,755,000 | $3,360,000 | 91.5% | 0.4% |
| WaterStone Bank, SSB | $3,105,000 | n/a | 0.4% | |
| CROSSCOUNTRY MORTGAGE, LLC | $4,725,000 | $3,050,000 | -35.4% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $4,045,000 | $3,000,000 | -25.8% | 0.3% |
| BROKER SOLUTIONS, INC. | $805,000 | $2,825,000 | 250.9% | 0.3% |
| First Federal Bank | $1,425,000 | $2,795,000 | 96.1% | 0.3% |
| COMPEER FINANCIAL, FLCA | $1,535,000 | $2,790,000 | 81.8% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $1,075,000 | $2,630,000 | 144.7% | 0.3% |
| National Exchange Bank and Trust | $5,150,000 | $2,585,000 | -49.8% | 0.3% |
| TOWNE MORTGAGE COMPANY | $820,000 | $2,510,000 | 206.1% | 0.3% |
| Bank Five Nine | $3,475,000 | $2,435,000 | -29.9% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $2,255,000 | $2,435,000 | 8.0% | 0.3% |
| GSF Mortgage Corporation | $7,845,000 | $2,430,000 | -69.0% | 0.3% |
| NEWREZ LLC | $2,025,000 | $2,395,000 | 18.3% | 0.3% |
| Bristol Morgan Bank | $2,635,000 | $2,365,000 | -10.2% | 0.3% |
| UNISON CREDIT UNION | $390,000 | $2,325,000 | 496.2% | 0.3% |
| Wolfe Financial, Inc | $1,535,000 | $2,320,000 | 51.1% | 0.3% |
| CARDINAL FINANCIAL | $3,410,000 | $2,255,000 | -33.9% | 0.3% |
| PLANET HOME LENDING, LLC | $165,000 | $2,220,000 | 1,245.5% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,215,000 | $2,165,000 | 78.2% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,730,000 | $2,130,000 | -22.0% | 0.2% |
| MARINE | $2,605,000 | $2,045,000 | -21.5% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $805,000 | $1,810,000 | 124.8% | 0.2% |
| UNION HOME MORTGAGE CORP. | $185,000 | $1,705,000 | 821.6% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $220,000 | $1,615,000 | 634.1% | 0.2% |
| The Bank of Kaukauna | $335,000 | $1,605,000 | 379.1% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $420,000 | $1,515,000 | 260.7% | 0.2% |
| Flagstar Bank, FSB | $940,000 | $1,490,000 | 58.5% | 0.2% |
| Morgan Stanley Private Bank | $1,335,000 | n/a | 0.2% | |
| POINT Mortgage | $1,330,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $145,000 | $1,275,000 | 779.3% | 0.1% |
| American National Bank - Fox Cities | $2,675,000 | $1,270,000 | -52.5% | 0.1% |
| CMG MORTGAGE, INC. | $845,000 | $1,220,000 | 44.4% | 0.1% |
| Discover Bank | $1,075,000 | $1,215,000 | 13.0% | 0.1% |
| V.I.P. MORTGAGE, INC. | $985,000 | $1,210,000 | 22.8% | 0.1% |
| HOMESTEAD FUNDING CORP. | $1,075,000 | $1,205,000 | 12.1% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $1,795,000 | $1,205,000 | -32.9% | 0.1% |
| The Huntington National Bank | $1,835,000 | $1,185,000 | -35.4% | 0.1% |
| ENVOY MORTGAGE, LTD | $800,000 | $1,130,000 | 41.3% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $400,000 | $1,090,000 | 172.5% | 0.1% |
| Forward Bank | $1,060,000 | n/a | 0.1% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,085,000 | $970,000 | -10.6% | 0.1% |
| USAA Federal Savings Bank | $1,125,000 | $890,000 | -20.9% | 0.1% |
| Tri City National Bank | $870,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $195,000 | $865,000 | 343.6% | 0.1% |
| Carrington Mortgage Services, LLC | $565,000 | $860,000 | 52.2% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $875,000 | $845,000 | -3.4% | 0.1% |
| THRIVENT Federal Credit Union | $820,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $290,000 | $805,000 | 177.6% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $225,000 | $805,000 | 257.8% | 0.1% |
| The Federal Savings Bank | $805,000 | n/a | 0.1% | |
| EDUCATORS CREDIT UNION | $445,000 | $790,000 | 77.5% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $785,000 | n/a | 0.1% | |
| WINGS FINANCIAL | $1,245,000 | $720,000 | -42.2% | 0.1% |
| MICHIGAN MUTUAL, INC. | $155,000 | $700,000 | 351.6% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $700,000 | n/a | 0.1% | |
| Bell Bank | $745,000 | $695,000 | -6.7% | 0.1% |
| THOMPSON KANE & COMPANY, LLC | $355,000 | $635,000 | 78.9% | 0.1% |
| NEW DAY FINANCIAL, LLC | $1,225,000 | $630,000 | -48.6% | 0.1% |
| Bank of Deerfield | $35,000 | $620,000 | 1,671.4% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $610,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,305,000 | $600,000 | -54.0% | 0.1% |
| BETTER MORTGAGE CORPORATION | $555,000 | $600,000 | 8.1% | 0.1% |
| Mid-Continent Funding, Inc. | $255,000 | $575,000 | 125.5% | 0.1% |
| The Port Washington State Bank | $575,000 | n/a | 0.1% | |
| PCM | $40,000 | $560,000 | 1,300.0% | 0.1% |
| NBKC BANK | $870,000 | $550,000 | -36.8% | 0.1% |
| Capitol Bank | $505,000 | n/a | 0.1% | |
| Arvest Bank | $495,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $495,000 | n/a | 0.1% | |
| Coastal Community Bank | $220,000 | $485,000 | 120.5% | 0.1% |
| Figure Lending LLC | $315,000 | $485,000 | 54.0% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $135,000 | $460,000 | 240.7% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $410,000 | $460,000 | 12.2% | 0.1% |
| PREMIA MORTGAGE, LLC | $470,000 | $440,000 | -6.4% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $435,000 | n/a | 0.0% | |
| Granite Community Bank | $435,000 | n/a | 0.0% | |
| Waukesha State Bank | $245,000 | $435,000 | 77.6% | 0.0% |
| FORTE BANK | $100,000 | $430,000 | 330.0% | 0.0% |
| LOANPAL, LLC | $430,000 | n/a | 0.0% | |
| First Horizon Bank | $405,000 | n/a | 0.0% | |
| Paramount Bank | $395,000 | n/a | 0.0% | |
| State Bank of Chilton | $135,000 | $385,000 | 185.2% | 0.0% |
| The Stephenson National Bank and Trust | $385,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL NETWORK, INC. | $380,000 | n/a | 0.0% | |
| Frandsen Bank & Trust | $375,000 | n/a | 0.0% | |
| Prevail Bank | $375,000 | n/a | 0.0% | |
| First State Bank | $355,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $350,000 | n/a | 0.0% | |
| PyraMax Bank, FSB | $350,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $335,000 | n/a | 0.0% | |
| Royal Credit Union | $705,000 | $320,000 | -54.6% | 0.0% |
| CLEARPATH LENDING | $315,000 | n/a | 0.0% | |
| First Bank | $315,000 | n/a | 0.0% | |
| UNITED HOME LOANS, INC. | $315,000 | n/a | 0.0% | |
| Waldo State Bank | $315,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $310,000 | n/a | 0.0% | |
| N.E.W. Credit Union | $305,000 | n/a | 0.0% | |
| Great Midwest Bank, S.S.B. | $290,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $630,000 | $290,000 | -54.0% | 0.0% |
| First Savings Bank | $670,000 | $285,000 | -57.5% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $260,000 | $285,000 | 9.6% | 0.0% |
| Magnolia Bank | $285,000 | n/a | 0.0% | |
| Northpointe Bank | $285,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $285,000 | n/a | 0.0% | |
| Bankers' Bank | $275,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $265,000 | n/a | 0.0% | |
| Devon Bank | $265,000 | n/a | 0.0% | |
| WISCONSIN MORTGAGE CORPORATION | $265,000 | n/a | 0.0% | |
| Heartland Credit Union (Madison) | $370,000 | $260,000 | -29.7% | 0.0% |
| GATEWAY MORTGAGE CORPORATION | $255,000 | n/a | 0.0% | |
| Stride Bank | $255,000 | n/a | 0.0% | |
| The Equitable Bank, S.S.B. | $255,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $250,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $555,000 | $250,000 | -55.0% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $780,000 | $245,000 | -68.6% | 0.0% |
| Kohler Credit Union | $1,080,000 | $240,000 | -77.8% | 0.0% |
| Bank of Luxemburg | $145,000 | $235,000 | 62.1% | 0.0% |
| Equity Prime Mortgage LLC | $235,000 | n/a | 0.0% | |
| Bank of America | $2,445,000 | $230,000 | -90.6% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $230,000 | n/a | 0.0% | |
| Connexus Credit Union | $25,000 | $225,000 | 800.0% | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | $65,000 | $225,000 | 246.2% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $225,000 | n/a | 0.0% | |
| Servion, Inc. | $85,000 | $225,000 | 164.7% | 0.0% |
| BAY EQUITY LLC | $635,000 | $215,000 | -66.1% | 0.0% |
| CIBM Bank | $215,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $25,000 | $215,000 | 760.0% | 0.0% |
| NASA Federal Credit Union | $215,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $230,000 | $215,000 | -6.5% | 0.0% |
| ALTRA | $545,000 | $205,000 | -62.4% | 0.0% |
| MORTGAGE CENTER L.C | $305,000 | $205,000 | -32.8% | 0.0% |
| 21ST MORTGAGE CORPORATION | $520,000 | $200,000 | -61.5% | 0.0% |
| COMPASS MORTGAGE, INC. | $345,000 | $195,000 | -43.5% | 0.0% |
| EVERETT FINANCIAL, INC. | $300,000 | $195,000 | -35.0% | 0.0% |
| A + MORTGAGE SERVICES, INC. | $185,000 | n/a | 0.0% | |
| ENDEAVOR CAPITAL, LLC. | $145,000 | $185,000 | 27.6% | 0.0% |
| First National Bank of Omaha | $185,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $245,000 | $185,000 | -24.5% | 0.0% |
| Range Bank | $1,600,000 | $185,000 | -88.4% | 0.0% |
| Stifel Bank and Trust | $275,000 | $185,000 | -32.7% | 0.0% |
| The Loan Store, Inc. | $185,000 | n/a | 0.0% | |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $35,000 | $185,000 | 428.6% | 0.0% |
| Citizens Bank | $175,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $175,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $250,000 | $175,000 | -30.0% | 0.0% |
| University Bank | $175,000 | n/a | 0.0% | |
| Citizens State Bank of La Crosse | $26,570,000 | $165,000 | -99.4% | 0.0% |
| Guardian Credit Union | $165,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $890,000 | $165,000 | -81.5% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $350,000 | $155,000 | -55.7% | 0.0% |
| DAS Acquisition Company, LLC | $155,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $155,000 | n/a | 0.0% | |
| Ally Bank | $225,000 | $145,000 | -35.6% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $165,000 | $145,000 | -12.1% | 0.0% |
| NEXERA HOLDING LLC | $165,000 | $145,000 | -12.1% | 0.0% |
| Charles Schwab Bank, SSB | $135,000 | n/a | 0.0% | |
| Old Second National Bank | $135,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $1,085,000 | $135,000 | -87.6% | 0.0% |
| Truist | $135,000 | n/a | 0.0% | |
| First American Bank | $230,000 | $125,000 | -45.7% | 0.0% |
| CNB Bank And Trust, N.A. | $115,000 | n/a | 0.0% | |
| M&T Bank | $930,000 | $115,000 | -87.6% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $105,000 | n/a | 0.0% | |
| Think Mutual Bank | $105,000 | n/a | 0.0% | |
| CO-OP Credit Union | $95,000 | n/a | 0.0% | |
| UNITEDONE Credit Union | $90,000 | n/a | 0.0% | |
| Bank of Wisconsin Dells | $75,000 | n/a | 0.0% | |
| Laona State Bank | $75,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $295,000 | $75,000 | -74.6% | 0.0% |
| TOWER | $75,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $65,000 | n/a | 0.0% | |
| GREENSTATE CREDIT UNION | $135,000 | $55,000 | -59.3% | 0.0% |
| GreenStone Farm Credit Services, FLCA | $225,000 | $55,000 | -75.6% | 0.0% |
| Bay Bank | $285,000 | $25,000 | -91.2% | 0.0% |
OSHKOSH - NEENAH's top lender by overall market share is Community First Credit Union, with 11.8% market share. In second place, with 6.7%, is VERVE, A CREDIT UNION, having originated $58,210,000 in loans. In third place, with 5.5%, is Nicolet National Bank, having originated $47,795,000 in loans. In fourth place, with 4.1%, is Intercity State Bank, having originated $36,090,000 in loans. In fifth place, with 3.9%, is FOX COMMUNITIES, having originated $33,645,000 in loans.
OSHKOSH - NEENAH Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - OSHKOSH - NEENAH (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 |
OSHKOSH - NEENAH's median listing price for 2025-04-01 was $332,400, a difference of
$-26,150
(-7.3%) versus the prior year and
$-7,500 versus the prior month.
OSHKOSH - NEENAH's median listing price comes in at 77% of the national average.
OSHKOSH - NEENAH's average listing price for 2025-04-01 was $410,455, a difference of $-39,229 (-8.7%) versus the prior year and $7,157 versus the prior month.
For the 2025-04-01 period, OSHKOSH - NEENAH had 139 MLS listings, a difference of 1 listings (1%) versus the prior month and -6 listings (-4%) versus the prior year.
OSHKOSH - NEENAH's median listing price comes in at 77% of the national average.
OSHKOSH - NEENAH's average listing price for 2025-04-01 was $410,455, a difference of $-39,229 (-8.7%) versus the prior year and $7,157 versus the prior month.
For the 2025-04-01 period, OSHKOSH - NEENAH had 139 MLS listings, a difference of 1 listings (1%) versus the prior month and -6 listings (-4%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - OSHKOSH - NEENAH (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 |
OSHKOSH - NEENAH's median listing age (time on market) for 2025-04-01 was 32 days.
This
is 18%
longer
than the same period one year ago.
OSHKOSH - NEENAH's median square footage for active listings during the 2025-04-01 period was 1,747 sqft. One year prior, the average listing was 1,852 sqft.
OSHKOSH - NEENAH's median square footage for active listings during the 2025-04-01 period was 1,747 sqft. One year prior, the average listing was 1,852 sqft.
OSHKOSH-NEENAH, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,179 | $573,875,000 | $263,366 |
| Cash Out Refi | 552 | $107,750,000 | $195,199 |
| Other | 530 | $42,970,000 | $81,075 |
| Refi | 484 | $115,820,000 | $239,298 |
| Home Improvement | 442 | $32,620,000 | $73,801 |
Oshkosh - Neenah's most frequently cited loan purpose was Home Purchase, with 2,179 originations. The 2nd most popular reason was Cash Out Refi, with 552 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,809 | $416,325,000 | $230,141 |
| 7-8% | 736 | $133,870,000 | $181,889 |
| Over 8% | 659 | $70,735,000 | $107,337 |
| 5-6% | 577 | $126,815,000 | $219,783 |
| <2.5% | 35 | $2,345,000 | $67,000 |
| 4-5% | 10 | $2,320,000 | $232,000 |
| 2.5-3% | 1 | $105,000 | $105,000 |
During 2024, Oshkosh - Neenah's most frequently originated rate bucket was 6-7%, with 1,809 originations.
Loan Sizing (OSHKOSH-NEENAH, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 1,317 | $197,845,000 | $150,224 |
| $200k-400k | 1,313 | $356,875,000 | $271,801 |
| $100,000 or less | 1,257 | $64,595,000 | $51,388 |
| $400k-600k | 224 | $105,980,000 | $473,125 |
| $600k-1000k | 53 | $39,105,000 | $737,830 |
| $Over $1MM | 23 | $108,635,000 | $4,723,261 |
OSHKOSH - NEENAH's loan sizing saw the bucket of loans from $100k-200k with 1,317 originations, totaling $197,845,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,338 | $354,760,000 | $265,142 |
| 60-80% | 766 | $215,270,000 | $281,031 |
| 20-40% | 686 | $65,080,000 | $94,869 |
| Under 20% | 609 | $25,435,000 | $41,765 |
| 40-60% | 349 | $71,555,000 | $205,029 |
| Over 100% | 25 | $7,335,000 | $293,400 |
OSHKOSH - NEENAH's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,338 originations, totaling $354,760,000 in origination value.