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 6.62% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Wisconsin's average VA mortgage closing costs are $5,241.

    The average rate for the prior week (2025-03-28) was 6.64% and one month ago for the week of 2025-02-28, the average rate was 6.52%.

    The average rate one year ago was 6.73%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.98%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 1,269 6.37% $6,443
    UNITED WHOLESALE MORTGAGE, LLC 503 5.96% $7,341
    FREEDOM MORTGAGE CORPORATION 355 6.27% $8,197
    QUICKEN LOANS, LLC 313 6.08% $9,653
    PENNYMAC LOAN SERVICES, LLC 233 5.74% $6,197
    NAVY FEDERAL CREDIT UNION 165 5.96% $4,919
    USAA Federal Savings Bank 154 6.23% $6,883
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 142 6.53% $6,449
    NEWREZ LLC 125 6.21% $6,183
    NEW DAY FINANCIAL, LLC 117 7.41% $9,931
    CROSSCOUNTRY MORTGAGE, LLC 114 6.45% $7,199
    GUILD MORTGAGE COMPANY 110 6.43% $8,977
    GUARANTEED RATE, INC. 107 6.28% $4,613
    Barrington Bank & Trust Company, N.A. 103 6.34% $5,849
    PLANET HOME LENDING, LLC 84 5.90% $4,439
    LOANDEPOT.COM, LLC 68 6.14% $9,030
    VILLAGE CAPITAL MORTGAGE 63 5.78% $5,640
    FIRST COLONY MORTGAGE CORPORATION 62 6.19% $6,779
    Prosperity Home Mortgage, LLC 57 6.21% $5,870
    Bank Five Nine 55 6.17% $6,501
    Nations Lending Corporation 53 6.59% $5,950
    The Federal Savings Bank 50 6.26% $15,830
    U.S. Bank 49 6.29% $6,842
    Paramount Residential Mortgage Group, Inc. 47 6.74% $7,792
    LAKEVIEW LOAN SERVICING, LLC 45 5.86% $5,215
    Mr. Cooper ( Nationstar Mortgage ) 41 6.17% $9,053
    MOVEMENT MORTGAGE, LLC 41 6.42% $8,715
    Ixonia Bank 38 6.60% $8,276
    AMERICAN PACIFIC MORTGAGE CORPORATION 35 6.71% $7,730
    Waterstone Mortgage Corporation 34 6.68% $10,261
    Bell Bank 33 6.30% $6,674
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 31 6.13% $5,045
    Flagstar Bank, FSB 30 6.54% $5,550
    UNION HOME MORTGAGE CORP. 29 6.38% $5,776
    Wells Fargo Bank 29 6.47% $5,687
    A + MORTGAGE SERVICES, INC. 28 6.12% $7,261
    CLEARPATH LENDING 28 5.81% $8,528
    Servion, Inc. 25 6.49% $5,431
    First Federal Bank 24 5.97% $7,042
    Associated Bank 24 6.36% $3,898
    CMG MORTGAGE, INC. 23 6.46% $7,838
    HOMEBRIDGE FINANCIAL SERVICES, INC. 23 6.74% $5,069
    WISCONSIN MORTGAGE CORPORATION 22 6.37% $3,753
    BROKER SOLUTIONS, INC. 22 6.59% $9,633
    Bank of England 20 6.54% $8,706
    MUTUAL OF OMAHA MORTGAGE, INC. 17 6.23% $13,508
    CARDINAL FINANCIAL 17 7.01% $12,852
    THOMPSON KANE & COMPANY, LLC 16 6.57% $11,221
    AMERISAVE MORTGAGE CORPORATION 16 6.02% $14,515
    Carrington Mortgage Services, LLC 16 6.13% $11,248
    Royal Credit Union 15 6.37% $6,730
    GUARANTEED RATE AFFINITY, LLC 14 6.32% $5,867
    Magnolia Bank 14 5.68% $16,357
    MORTGAGE SOLUTIONS OF COLORADO, LLC 13 7.28% $3,972
    EVERETT FINANCIAL, INC. 13 6.69% $8,714
    ALTRA 13 6.08% $3,634
    Johnson Bank 13 6.31% $3,167
    NBKC BANK 13 5.89% $5,430
    HOMESIDE FINANCIAL, LLC 12 6.18% $13,448
    Armed Forces Bank 12 5.93% $5,314
    The Huntington National Bank 11 6.50% $6,026
    Tradition Mortgage, LLC 11 6.43% $5,349
    BAY EQUITY LLC 11 6.65% $6,134
    JPMorgan Chase Bank 11 6.39% $2,168
    CAPITAL Credit Union 10 5.98% $4,356
    FIRST COMMUNITY MORTGAGE, INC. 9 6.64% $7,493
    GATEWAY MORTGAGE CORPORATION 9 6.69% $4,388
    CIBM Bank 9 6.63% $3,581
    Mid-Continent Funding, Inc. 9 6.00% $8,451
    DAS Acquisition Company, LLC 9 7.14% $4,159
    AMERICAN FINANCIAL NETWORK, INC. 9 6.60% $11,479
    Texana Bank 8 6.05% $11,885
    TOWNE MORTGAGE COMPANY 8 6.56% $12,590
    SUN WEST MORTGAGE COMPANY, INC. 8 6.59% $4,470
    GoPrime Mortgage, Inc. 8 6.13% $3,258
    LOANPAL, LLC 7 5.94% $13,155
    CHURCHILL MORTGAGE CORPORATION 7 6.71% $9,207
    The Bank of New Glarus 7 6.57% $6,044
    ENVOY MORTGAGE, LTD 7 7.14% $5,236
    Century Mortgage Company DBA Century Lending Company 7 6.20% $7,050
    EDUCATORS CREDIT UNION 6 6.29% $5,437
    Bank First, N.A. 6 6.35% $7,414
    NATIONS DIRECT MORTGAGE, LLC 6 6.50% $5,214
    PRIMARY RESIDENTIAL MORTGAGE, INC. 6 6.73% $7,705
    SECURITYNATIONAL MORTGAGE COMPANY 6 6.40% $10,211
    University of Wisconsin Credit Union 6 6.81% $6,927
    VERITAS FUNDING, LLC 6 6.02% $19,037
    PHH Mortgage Corporation 5 5.70% $3,848
    Equity Prime Mortgage LLC 5 6.05% $5,920
    American Mortgage & Equity Consultants, Inc. 5 6.75% $7,913
    PENTAGON FEDERAL CREDIT UNION 5 6.30% $7,047
    GSF Mortgage Corporation 5 6.58% $10,021
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 5 6.20% $4,400
    Granite Community Bank 4 6.53% $5,369
    SUCCESS MORTGAGE PARTNERS, INC. 4 6.75% $14,116
    PREMIA MORTGAGE, LLC 4 5.97% $3,233
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.22% $5,946
    Waukesha State Bank 4 5.78% $5,305
    Plains Commerce Bank 4 6.63% $5,891
    TJC Mortgage, Inc. 4 5.81% $14,155
    Paramount Bank 3 6.13% $4,350
    Lakeview Community Capital, LLC 3 5.58% $3,747
    SWBC MORTGAGE CORPORATION 3 6.50% $9,807
    EAGLE HOME MORTGAGE, LLC 3 4.87% $6,402
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 3 6.50% $4,358
    AMERICAN FINANCING CORPORATION 3 5.92% $16,962
    NATIONS RELIABLE LENDING, LLC 3 7.00% $4,316
    Cornerstone First Mortgage, Inc 3 6.63% $11,951
    The Central Trust Bank 3 5.88% $5,974
    POINT Mortgage 3 6.63% $8,309
    Sierra Pacific Mortgage Company, Inc. 3 6.00% $9,785
    Westbury Bank 3 6.21% $4,407
    ROYAL UNITED MORTGAGE LLC 3 5.63% $9,050
    AMERICAN FINANCIAL RESOURCES, INC. 3 6.42% $4,469
    Loan Simple, Inc. 2 6.31% $6,297
    MORTGAGE CENTER L.C 2 6.63% $6,367
    GREENSTATE CREDIT UNION 2 6.50% $2,671
    S1L, Inc. 2 6.94% $5,104
    Alerus Financial 2 6.69% $1,565
    North American Savings Bank, F.S.B. 2 5.63% $11,248
    Summit Mortgage Corporation 2 6.00% $4,827
    North Shore Bank of Commerce 2 5.75% $3,203
    Meridian Bank Corporation 2 5.50% $14,933
    OCEANSIDE MORTGAGE COMPANY 2 6.25% $3,602
    Old National Bank 2 5.94% $8,117
    TOP FLITE FINANCIAL, INC. 2 7.13% $9,407
    MASON MCDUFFIE MORTGAGE CORPORATION 2 6.19% $7,788
    AXIA FINANCIAL, LLC 2 6.25% $7,961
    ENDEAVOR CAPITAL, LLC. 2 6.49% $9,025
    PLAZA HOME MORTGAGE, INC. 2 6.81% $5,673
    ZILLOW HOME LOANS, LLC 2 6.25% $8,724
    V.I.P. MORTGAGE, INC. 2 6.63% $7,385
    MORTGAGE ACCESS CORP. 2 5.94% $7,646
    LEADERONE FINANCIAL CORPORATION 2 7.00% $4,490
    FIRST STATE MORTGAGE SERVICES, LLC 2 6.25% $4,752
    LIBERTY HOME MORTGAGE CORPORATION 1 6.63% $16,717
    IOWA BANKERS MORTGAGE CORPORATION 1 6.50% $6,724
    HOMESTEAD FUNDING CORP. 1 6.13% $13,169
    Merchants Bank 1 6.15% $3,290
    HARTFORD FUNDING, LTD. 1 5.63% $11,306
    MLD MORTGAGE INC. 1 6.75% $3,157
    Gateway First Bank 1 6.75% $6,365
    FLAT BRANCH MORTGAGE, INC. 1 6.63% $7,835
    First Western Trust Bank 1 6.50% $3,644
    NETWORK CAPITAL FUNDING CORPORATION 1 6.00% $13,078
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 7.25% $15,658
    First Community Bank 1 7.25% $1,709
    NFM, INC. 1 5.63% $4,783
    Northpointe Bank 1 6.00% $3,276
    North Shore Bank FSB 1 6.63% $5,745
    NORWICH COMMERCIAL GROUP, INC. 1 5.75% $8,320
    Pacor Mortgage Corp 1 6.13% $3,755
    Fifth Third Bank 1 6.38% $10,368
    Park State Bank 1 6.13% $4,392
    PNC Bank 1 6.75% $2,506
    Presidential Bank, FSB 1 7.25% $13,234
    EMM LOANS LLC 1 5.99% $12,501
    Queensborough National Bank & Trust Company 1 5.25% $8,258
    Academy Bank 1 6.63% $1,650
    Regent Financial Group, Inc. 1 6.25% $5,797
    SIRVA MORTGAGE, INC. 1 7.00% $8,019
    Stride Bank 1 6.25% $10,305
    DHI MORTGAGE COMPANY, LTD. 1 4.99% $9,580
    T2 FINANCIAL LLC 1 5.50% $12,282
    CORTRUST MORTGAGE, INC. 1 6.50% $5,561
    The Equitable Bank, S.S.B. 1 5.25% $1,734
    COMPASS MORTGAGE, INC. 1 6.38% $8,389
    Citizens Bank 1 6.50% $4,133
    BOND STREET MORTGAGE, LLC 1 6.49% $1,464
    BAY-VALLEY MORTGAGE GROUP 1 6.50% $4,940
    Bankers' Bank 1 6.75% $10,189
    TRUSTONE FINANCIAL FEDERAL CREDIT UNION 1 6.25% $2,191
    Ameris Bank 1 5.63% $11,869
    Wolfe Financial, Inc 1 7.75% $19,250
    AmeriHome Mortgage Company, LLC 1 5.63% $5,639
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.75% $1,753
    Uwharrie Bank 1 6.00% $2,295
    Key Mortgage Services, Inc. 1 7.63% $12,808
    LENOX FINANCIAL MORTGAGE CORPORATION 1 5.50% $11,997
    JMAC LENDING, INC. 1 6.75% $8,936

    The top Wisconsin VA lender as defined by loan originations is Mortgage Research Center, LLC, with 1,269 VA loans originated. Their average total fees are $6,443, which is $898 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Wisconsin VA lenders (with over 10 loans originated) are JPMorgan Chase Bank ($2,168), Johnson Bank ($3,167), ALTRA ($3,634), WISCONSIN MORTGAGE CORPORATION ($3,753) and Associated Bank ($3,898).

    The lowest rate Wisconsin VA lenders (with over 10 loans originated) are Magnolia Bank (5.68%), PENNYMAC LOAN SERVICES, LLC (5.74%), VILLAGE CAPITAL MORTGAGE (5.78%), CLEARPATH LENDING (5.81%) and LAKEVIEW LOAN SERVICING, LLC (5.86%).

    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.