Wisconsin VA Loan Rates, Closing Costs & Stats

Wisconsin

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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.

    Wisconsin VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Wisconsin averaged 6.29% for the week of 2025-03-14, compared to the national average (all VA variants) of 6.169% for the same period.

    Wisconsin's average VA mortgage closing costs are $5,020.

    The average rate for the prior week (2025-03-07) was 6.24% and one month ago for the week of 2025-02-07, the average rate was 6.69%.

    The average rate one year ago was 6.48%.

    For refis of the same type during the week of 2025-03-14, the average rate was 5.87%.

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

    Wisconsin 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 Wisconsin level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 928 6.78% $6,408
    QUICKEN LOANS, LLC 246 6.22% $11,543
    UNITED WHOLESALE MORTGAGE, LLC 192 6.63% $7,896
    NAVY FEDERAL CREDIT UNION 163 5.89% $5,447
    FREEDOM MORTGAGE CORPORATION 110 6.56% $14,532
    USAA Federal Savings Bank 107 6.27% $7,304
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 101 6.71% $6,965
    Barrington Bank & Trust Company, N.A. 94 6.47% $6,824
    PENNYMAC LOAN SERVICES, LLC 83 5.65% $6,937
    NEW DAY FINANCIAL, LLC 79 7.50% $12,107
    GUILD MORTGAGE COMPANY 77 6.63% $10,181
    CROSSCOUNTRY MORTGAGE, LLC 76 6.88% $6,860
    GUARANTEED RATE, INC. 73 6.51% $6,497
    LOANDEPOT.COM, LLC 63 6.28% $11,312
    Prosperity Home Mortgage, LLC 52 6.17% $7,422
    NEWREZ LLC 51 6.68% $7,672
    Mr. Cooper ( Nationstar Mortgage ) 51 6.14% $13,933
    U.S. Bank 49 6.34% $6,226
    The Federal Savings Bank 35 6.47% $12,959
    Nations Lending Corporation 34 6.82% $8,193
    CMG MORTGAGE, INC. 32 6.75% $10,867
    CARDINAL FINANCIAL 32 6.63% $12,030
    PLANET HOME LENDING, LLC 30 6.17% $6,344
    Paramount Residential Mortgage Group, Inc. 30 6.50% $7,141
    VILLAGE CAPITAL MORTGAGE 29 5.87% $8,602
    Bell Bank 28 6.52% $4,424
    Ixonia Bank 28 7.03% $8,586
    MOVEMENT MORTGAGE, LLC 27 6.74% $7,279
    Associated Bank 26 6.38% $5,019
    Bank of England 26 6.57% $10,173
    AMERISAVE MORTGAGE CORPORATION 26 5.83% $9,573
    Wells Fargo Bank 23 6.34% $5,403
    Bank Five Nine 22 6.65% $7,740
    HOMESIDE FINANCIAL, LLC 20 6.96% $10,414
    Waterstone Mortgage Corporation 20 6.74% $9,567
    ENVOY MORTGAGE, LTD 20 7.03% $6,227
    BROKER SOLUTIONS, INC. 19 6.50% $10,077
    GSF Mortgage Corporation 18 6.64% $7,548
    Servion, Inc. 17 6.64% $6,635
    AMERICAN PACIFIC MORTGAGE CORPORATION 16 6.88% $10,674
    HOMEBRIDGE FINANCIAL SERVICES, INC. 16 7.12% $6,572
    FIRST CENTENNIAL MORTGAGE CORPORATION 15 6.75% $4,933
    Flagstar Bank, FSB 15 6.46% $3,908
    Plains Commerce Bank 14 6.20% $6,914
    American Mortgage & Equity Consultants, Inc. 14 6.29% $10,127
    The Huntington National Bank 14 6.59% $6,507
    CORNERSTONE HOME LENDING, INC. 14 6.48% $9,807
    GUARANTEED RATE AFFINITY, LLC 13 6.34% $6,421
    WISCONSIN MORTGAGE CORPORATION 13 6.54% $7,414
    MUTUAL OF OMAHA MORTGAGE, INC. 13 6.53% $14,134
    THOMPSON KANE & COMPANY, LLC 13 6.82% $6,988
    A + MORTGAGE SERVICES, INC. 12 6.32% $8,132
    JPMorgan Chase Bank 12 6.41% $1,653
    UNION HOME MORTGAGE CORP. 12 6.86% $4,956
    FIRST COMMUNITY MORTGAGE, INC. 11 6.76% $6,080
    CHERRY CREEK MORTGAGE, LLC 10 6.54% $1,233
    TOWNE MORTGAGE COMPANY 10 6.63% $7,095
    V.I.P. MORTGAGE, INC. 9 6.17% $6,592
    Mid-Continent Funding, Inc. 9 6.60% $9,888
    PRIMELENDING, A PLAINSCAPITAL COMPANY 9 6.69% $6,440
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 9 6.83% $6,983
    Century Mortgage Company DBA Century Lending Company 9 6.68% $7,945
    EVERETT FINANCIAL, INC. 9 7.04% $8,918
    PENTAGON FEDERAL CREDIT UNION 8 5.80% $6,544
    First Federal Bank 8 6.45% $4,066
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 8 6.75% $6,530
    CALIBER HOME LOANS, INC. 8 6.75% $6,944
    DAS Acquisition Company, LLC 8 7.31% $5,117
    GATEWAY MORTGAGE CORPORATION 8 6.94% $5,885
    Johnson Bank 7 6.48% $4,664
    BAY EQUITY LLC 7 6.46% $10,130
    AMERICAN FINANCIAL NETWORK, INC. 7 6.63% $7,664
    SUN WEST MORTGAGE COMPANY, INC. 7 6.53% $5,907
    PRIMARY RESIDENTIAL MORTGAGE, INC. 7 6.89% $6,974
    Magnolia Bank 7 6.18% $14,291
    North Shore Bank of Commerce 6 6.38% $3,732
    ROYAL UNITED MORTGAGE LLC 6 6.92% $13,837
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 6 7.04% $7,134
    LAKEVIEW LOAN SERVICING, LLC 6 6.00% $9,860
    LAND HOME FINANCIAL SERVICES, INC. 6 6.48% $6,118
    NBKC BANK 6 6.10% $5,150
    VERITAS FUNDING, LLC 6 6.60% $17,611
    MORTGAGE SOLUTIONS OF COLORADO, LLC 6 7.77% $5,686
    Equity Prime Mortgage LLC 6 7.17% $6,117
    University of Wisconsin Credit Union 5 6.78% $6,270
    ALTRA 5 6.20% $6,394
    PREMIA MORTGAGE, LLC 5 6.02% $4,481
    CHURCHILL MORTGAGE CORPORATION 5 6.55% $5,740
    SUCCESS MORTGAGE PARTNERS, INC. 5 7.03% $8,977
    Tradition Mortgage, LLC 5 6.65% $5,583
    Bank First, N.A. 5 6.98% $4,553
    Bremer Bank 4 6.22% $4,198
    CONTOUR MORTGAGE CORPORATION 4 6.66% $11,105
    BNC National Bank 4 5.63% $9,369
    CIBM Bank 4 6.75% $4,139
    EAGLE HOME MORTGAGE, LLC 4 5.34% $4,771
    Blackhawk Bank 4 6.94% $5,735
    PLAZA HOME MORTGAGE, INC. 4 7.06% $14,843
    Ameris Bank 4 6.56% $2,956
    Armed Forces Bank 4 6.16% $8,477
    CRESCENT MORTGAGE COMPANY 3 6.58% $4,199
    AMERICAN FINANCING CORPORATION 3 6.42% $5,032
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 3 6.50% $8,912
    CAPITAL Credit Union 3 6.50% $2,040
    EDUCATORS CREDIT UNION 3 6.58% $1,460
    LOANPAL, LLC 3 6.29% $12,109
    MID AMERICA MORTGAGE, INC. 3 5.88% $4,659
    NATIONS DIRECT MORTGAGE, LLC 3 7.25% $3,261
    NATIONS RELIABLE LENDING, LLC 3 6.88% $9,703
    NexBank 3 6.21% $7,168
    Royal Credit Union 3 6.83% $11,091
    Northpointe Bank 2 4.75% $10,824
    Presidential Bank, FSB 2 6.00% $9,417
    ENDEAVOR CAPITAL, LLC. 2 6.37% $6,778
    Regent Financial Group, Inc. 2 6.69% $9,266
    T2 FINANCIAL LLC 2 6.63% $4,771
    SOVEREIGN LENDING GROUP INCORPORATED 2 5.75% $19,815
    The Equitable Bank, S.S.B. 2 6.94% $6,742
    Colonial Savings, F.A. 2 6.50% $8,539
    Citizens Bank 2 6.63% $2,783
    FIRST STATE MORTGAGE SERVICES, LLC 2 6.75% $3,644
    North American Savings Bank, F.S.B. 2 6.75% $7,262
    Cambria Financial Group, LLC 2 7.31% $5,933
    AXIA FINANCIAL, LLC 2 6.19% $9,608
    Merchants Bank 2 6.71% $5,662
    Waukesha State Bank 2 6.69% $8,370
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.44% $4,950
    NETWORK CAPITAL FUNDING CORPORATION 2 6.63% $6,786
    Summit Mortgage Corporation 2 7.06% $10,103
    RESIDENTIAL BANCORP 1 6.75% $10,873
    Wolfe Financial, Inc 1 7.00% $3,655
    KELLER MORTGAGE, LLC 1 6.25% $9,270
    Home Federal Savings Bank 1 7.25% $11,764
    GREENSTATE CREDIT UNION 1 5.25% $6,293
    SUMMIT FUNDING, INC. 1 7.25% $9,214
    Sunflower Bank 1 6.99% $8,760
    FLAT BRANCH MORTGAGE, INC. 1 6.63% $8,323
    SWBC MORTGAGE CORPORATION 1 6.13% $19,605
    The Bank of New Glarus 1 7.25% $2,926
    First-Citizens Bank & Trust Company 1 5.63% $10,740
    FIDELITY BANK 1 6.25% $17,301
    TJC Mortgage, Inc. 1 6.75% $6,351
    TOP FLITE FINANCIAL, INC. 1 6.75% $8,245
    Farmers Bank & Trust 1 5.25% $18,077
    TRUSTONE FINANCIAL FEDERAL CREDIT UNION 1 6.13% $4,289
    DRAPER AND KRAMER MORTGAGE CORP. 1 7.50% $13,376
    Academy Bank 1 5.25% $10,448
    UNIVERSAL LENDING CORPORATION 1 6.50% $11,988
    Carrington Mortgage Services, LLC 1 5.50% $5,133
    Capital Bank 1 5.75% $5,541
    Atlantic Coast Mortgage, LLC 1 6.75% $12,916
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.75% $5,937
    Neighborhood Loans, Inc. 1 6.63% $8,729
    ACADEMY MORTGAGE CORPORATION 1 6.00% $9,756
    NFM, INC. 1 7.38% $6,177
    North Shore Bank FSB 1 7.63% $5,925
    M&T Bank 1 6.63% $5,498
    Old National Bank 1 5.50% $5,211
    ON Q FINANCIAL, INC. 1 7.25% $10,101
    MORTGAGEONE, INC. 1 7.00% $195
    MORTGAGE CENTER L.C 1 7.13% $5,057
    MORIA DEVELOPMENT, INC. 1 7.50% $15,420
    MICHIGAN MUTUAL, INC. 1 6.63% $7,391
    Meridian Bank Corporation 1 6.75% $21,088
    MEGASTAR FINANCIAL CORP. 1 6.13% $19,367
    LIBERTY HOME MORTGAGE CORPORATION 1 7.50% $21,477
    LEADERONE FINANCIAL CORPORATION 1 6.25% $7,246
    Lakeview Community Capital, LLC 1 6.25% $10,346
    LAKE MICHIGAN CREDIT UNION 1 6.63% $3,679
    Regions Bank 1 5.75% $5,475

    The top Wisconsin VA lender as defined by loan originations is Mortgage Research Center, LLC, with 928 VA loans originated. Their average total fees are $6,408, which is $5,135 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Wisconsin VA lenders (with over 10 loans originated) are CHERRY CREEK MORTGAGE, LLC ($1,233), JPMorgan Chase Bank ($1,653), Flagstar Bank, FSB ($3,908), Bell Bank ($4,424) and FIRST CENTENNIAL MORTGAGE CORPORATION ($4,933).

    The lowest rate Wisconsin VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.65%), AMERISAVE MORTGAGE CORPORATION (5.83%), VILLAGE CAPITAL MORTGAGE (5.87%), NAVY FEDERAL CREDIT UNION (5.89%) and Mr. Cooper ( Nationstar Mortgage ) (6.14%).

    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.