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 7% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

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

    The average rate for the prior week (2025-07-11) was 6.59% and one month ago for the week of 2025-06-13, the average rate was 6.86%.

    The average rate one year ago was 6.96%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.47%.

    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 .

    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.