Baraboo USDA Loan Rates, Closing Costs & Stats
Baraboo, WI
USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.
Baraboo's 15 lenders originated 22 USDA loans during 2022. The total origination value was $4,200,000, with an average USDA loan value of $190,909.
Baraboo USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Baraboo
averaged
6.34%
for the week of 2023-05-26, compared to the national average (all USDA variants) of
6.63% for the same period.
Baraboo's average USDA mortgage closing costs are $4,512.
The average rate for the prior week (2023-05-19) was
5.88% and
one month ago for the week of 2023-04-21, the
average rate was 5.79%.
The average rate one year ago was 4.71%.
For refis of the same type during the week of 2023-05-26, the average rate
was 5.23%.
Baraboo USDA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Baraboo level.
Name | # of Loans | 2022 Avg. 30yFix Rate | 2022 Avg. Closing Costs |
---|---|---|---|
GUILD MORTGAGE COMPANY | 6 | 4.44% | $8,644 |
CROSSCOUNTRY MORTGAGE, LLC | 1 | 4.50% | $6,718 |
DAS Acquisition Company, LLC | 1 | 4.38% | $5,862 |
Equity Prime Mortgage LLC | 1 | 6.75% | $5,161 |
FINANCE OF AMERICA MORTGAGE LLC | 1 | 5.63% | $6,534 |
Flagstar Bank, FSB | 1 | 3.25% | $3,561 |
HOME POINT FINANCIAL CORPORATION | 1 | 5.25% | $4,404 |
INLANTA MORTGAGE, INC. | 1 | 4.88% | $5,376 |
MID AMERICA MORTGAGE, INC. | 1 | 4.75% | $5,747 |
NATIONS RELIABLE LENDING, LLC | 1 | 4.13% | $5,881 |
Paramount Residential Mortgage Group, Inc. | 1 | 4.75% | $7,690 |
Prosperity Home Mortgage, LLC | 1 | 2.88% | $4,272 |
THOMPSON KANE & COMPANY, LLC | 1 | 3.25% | $6,330 |
Barrington Bank & Trust Company, N.A. | 1 | 5.25% | $7,640 |
UNITED WHOLESALE MORTGAGE, LLC | 1 | 5.88% | $8,035 |
The top Baraboo USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
6 USDA loans originated. Their average total fees are
$8,644, which is $1,926
higher than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee Baraboo USDA lenders (with over 10 loans originated) are
.
The lowest rate Baraboo USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Baraboo (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $230,950 (15.5%) | $262,660 (-3.5%) | 0.00 | 247 |
2018-02-01 | $249,675 (24.9%) | $275,829 (-0.5%) | 0.00 | 220 |
2018-03-01 | $259,900 (17.5%) | $280,645 (0.5%) | 0.00 | 234 |
2018-04-01 | $249,900 (13.6%) | $281,680 (2.2%) | 0.00 | 252 |
2018-05-01 | $244,725 (13.9%) | $280,750 (5.3%) | 0.00 | 280 |
2018-06-01 | $249,000 (10.9%) | $287,708 (4.6%) | 0.00 | 293 |
2018-07-01 | $254,700 (13.3%) | $295,242 (6.6%) | 0.00 | 299 |
2018-08-01 | $254,900 (13.3%) | $299,554 (7.3%) | 0.00 | 299 |
2018-09-01 | $249,900 (9.2%) | $298,745 (6.5%) | 0.00 | 294 |
2018-10-01 | $239,900 (4.4%) | $282,769 (3.7%) | 0.00 | 299 |
2018-11-01 | $231,325 (0.6%) | $267,773 (0.5%) | 0.00 | 287 |
2018-12-01 | $229,900 (0.3%) | $264,579 (0.9%) | 0.00 | 252 |
2019-01-01 | $229,900 (-0.5%) | $272,032 (3.6%) | 0.00 | 233 |
2019-02-01 | $239,675 (-4.0%) | $276,940 (0.4%) | 0.00 | 202 |
2019-03-01 | $239,900 (-7.7%) | $282,939 (0.8%) | 0.00 | 213 |
2019-04-01 | $242,225 (-3.1%) | $291,532 (3.5%) | 0.00 | 241 |
2019-05-01 | $266,950 (9.1%) | $314,464 (12.0%) | 0.00 | 258 |
2019-06-01 | $260,000 (4.4%) | $304,739 (5.9%) | 0.00 | 267 |
2019-07-01 | $272,400 (7.0%) | $308,336 (4.4%) | 0.00 | 271 |
2019-08-01 | $273,900 (7.5%) | $314,890 (5.1%) | 0.00 | 272 |
2019-09-01 | $269,225 (7.7%) | $315,936 (5.8%) | 0.00 | 259 |
2019-10-01 | $259,900 (8.3%) | $305,369 (8.0%) | 0.00 | 257 |
2019-11-01 | $259,900 (12.4%) | $316,431 (18.2%) | 0.00 | 218 |
2019-12-01 | $259,175 (12.7%) | $311,650 (17.8%) | 0.00 | 205 |
2020-01-01 | $265,700 (15.6%) | $317,049 (16.6%) | 0.00 | 181 |
2020-02-01 | $277,500 (15.8%) | $321,192 (16.0%) | 0.00 | 176 |
2020-03-01 | $286,350 (19.4%) | $330,865 (16.9%) | 0.00 | 178 |
2020-04-01 | $285,350 (17.8%) | $335,477 (15.1%) | 0.00 | 190 |
2020-05-01 | $269,900 (1.1%) | $315,443 (0.3%) | 0.00 | 186 |
2020-06-01 | $283,700 (9.1%) | $349,728 (14.8%) | 0.00 | 152 |
2020-07-01 | $282,450 (3.7%) | $357,342 (15.9%) | 0.00 | 144 |
2020-08-01 | $269,900 (-1.5%) | $355,371 (12.9%) | 0.00 | 124 |
2020-09-01 | $267,400 (-0.7%) | $349,803 (10.7%) | 0.00 | 132 |
2020-10-01 | $254,500 (-2.1%) | $315,956 (3.5%) | 0.00 | 105 |
2020-11-01 | $254,225 (-2.2%) | $313,558 (-0.9%) | 0.00 | 97 |
2020-12-01 | $245,475 (-5.3%) | $295,971 (-5.0%) | 0.00 | 81 |
2021-01-01 | $254,000 (-4.4%) | $297,727 (-6.1%) | 0.00 | 74 |
2021-02-01 | $262,400 (-5.4%) | $317,250 (-1.2%) | 0.00 | 68 |
2021-03-01 | $272,450 (-4.9%) | $339,717 (2.7%) | 0.00 | 72 |
2021-04-01 | $276,925 (-3.0%) | $360,091 (7.3%) | 0.00 | 72 |
2021-05-01 | $274,950 (1.9%) | $360,202 (14.2%) | 0.00 | 74 |
2021-06-01 | $283,450 (-0.1%) | $365,772 (4.6%) | 0.00 | 88 |
2021-07-01 | $308,900 (9.4%) | $420,601 (17.7%) | 0.00 | 88 |
2021-08-01 | $314,925 (16.7%) | $422,152 (18.8%) | 0.00 | 86 |
2021-09-01 | $313,425 (17.2%) | $424,635 (21.4%) | 0.00 | 86 |
2021-10-01 | $315,000 (23.8%) | $395,655 (25.2%) | 0.00 | 83 |
2021-11-01 | $269,900 (6.2%) | $367,707 (17.3%) | 0.00 | 73 |
2021-12-01 | $278,750 (13.6%) | $403,220 (36.2%) | 0.00 | 61 |
2022-01-01 | $299,900 (18.1%) | $444,392 (49.3%) | 0.00 | 43 |
2022-02-01 | $317,500 (21.0%) | $453,420 (42.9%) | 0.00 | 40 |
2022-03-01 | $333,150 (22.3%) | $415,755 (22.4%) | 0.00 | 51 |
2022-04-01 | $347,900 (25.6%) | $464,835 (29.1%) | 0.00 | 47 |
2022-05-01 | $392,175 (42.6%) | $466,639 (29.6%) | 0.00 | 64 |
2022-06-01 | $389,000 (37.2%) | $481,074 (31.5%) | 0.00 | 77 |
2022-07-01 | $359,500 (16.4%) | $453,217 (7.8%) | 0.00 | 92 |
2022-08-01 | $394,450 (25.3%) | $469,710 (11.3%) | 0.00 | 91 |
2022-09-01 | $399,000 (27.3%) | $474,482 (11.7%) | 0.00 | 90 |
2022-10-01 | $379,900 (20.6%) | $435,814 (10.2%) | 0.00 | 99 |
2022-11-01 | $358,225 (32.7%) | $411,618 (11.9%) | 0.00 | 108 |
2022-12-01 | $367,400 (31.8%) | $411,078 (2.0%) | 0.00 | 96 |
2023-01-01 | $369,900 (23.3%) | $407,758 (-8.2%) | 0.00 | 79 |
2023-02-01 | $385,000 (21.3%) | $425,340 (-6.2%) | 0.00 | 67 |
2023-03-01 | $369,900 (11.0%) | $421,855 (1.5%) | 0.00 | 67 |
2023-04-01 | $350,000 (0.6%) | $492,905 (6.0%) | 0.00 | 66 |
Baraboo's median listing price comes in at 0% of the national average.
Baraboo's average listing price for 2023-04-01 was $492,905, a difference of $28,070 (6.0%) versus the prior year and $71,050 versus the prior month.
For the 2023-04-01 period, Baraboo had 66 MLS listings, a difference of -1 listings (-1%) versus the prior month and 19 listings (40%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Baraboo (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,810 sqft |
2018-02-01 | 0 days | 1,897 sqft |
2018-03-01 | 0 days | 1,899 sqft |
2018-04-01 | 0 days | 1,949 sqft |
2018-05-01 | 0 days | 1,939 sqft |
2018-06-01 | 0 days | 1,954 sqft |
2018-07-01 | 0 days | 1,942 sqft |
2018-08-01 | 0 days | 2,000 sqft |
2018-09-01 | 0 days | 2,000 sqft |
2018-10-01 | 0 days | 1,863 sqft |
2018-11-01 | 0 days | 1,776 sqft |
2018-12-01 | 0 days | 1,776 sqft |
2019-01-01 | 0 days | 1,784 sqft |
2019-02-01 | 0 days | 1,776 sqft |
2019-03-01 | 0 days | 1,760 sqft |
2019-04-01 | 0 days | 1,778 sqft |
2019-05-01 | 0 days | 1,850 sqft |
2019-06-01 | 0 days | 1,828 sqft |
2019-07-01 | 0 days | 1,832 sqft |
2019-08-01 | 0 days | 1,854 sqft |
2019-09-01 | 0 days | 1,875 sqft |
2019-10-01 | 0 days | 1,845 sqft |
2019-11-01 | 0 days | 1,774 sqft |
2019-12-01 | 0 days | 1,783 sqft |
2020-01-01 | 0 days | 1,800 sqft |
2020-02-01 | 0 days | 1,792 sqft |
2020-03-01 | 0 days | 1,863 sqft |
2020-04-01 | 0 days | 1,900 sqft |
2020-05-01 | 0 days | 1,800 sqft |
2020-06-01 | 0 days | 1,808 sqft |
2020-07-01 | 0 days | 1,850 sqft |
2020-08-01 | 0 days | 1,800 sqft |
2020-09-01 | 0 days | 1,781 sqft |
2020-10-01 | 0 days | 1,732 sqft |
2020-11-01 | 0 days | 1,692 sqft |
2020-12-01 | 0 days | 1,648 sqft |
2021-01-01 | 0 days | 1,624 sqft |
2021-02-01 | 0 days | 1,613 sqft |
2021-03-01 | 0 days | 1,688 sqft |
2021-04-01 | 0 days | 1,672 sqft |
2021-05-01 | 0 days | 1,645 sqft |
2021-06-01 | 0 days | 1,759 sqft |
2021-07-01 | 0 days | 1,859 sqft |
2021-08-01 | 0 days | 1,967 sqft |
2021-09-01 | 0 days | 1,950 sqft |
2021-10-01 | 0 days | 1,909 sqft |
2021-11-01 | 0 days | 1,776 sqft |
2021-12-01 | 0 days | 1,864 sqft |
2022-01-01 | 0 days | 1,866 sqft |
2022-02-01 | 0 days | 1,835 sqft |
2022-03-01 | 0 days | 1,669 sqft |
2022-04-01 | 0 days | 1,723 sqft |
2022-05-01 | 0 days | 1,881 sqft |
2022-06-01 | 0 days | 2,015 sqft |
2022-07-01 | 0 days | 1,801 sqft |
2022-08-01 | 0 days | 1,887 sqft |
2022-09-01 | 0 days | 2,035 sqft |
2022-10-01 | 0 days | 1,832 sqft |
2022-11-01 | 0 days | 1,774 sqft |
2022-12-01 | 0 days | 1,744 sqft |
2023-01-01 | 0 days | 1,681 sqft |
2023-02-01 | 0 days | 1,681 sqft |
2023-03-01 | 0 days | 1,725 sqft |
2023-04-01 | 0 days | 1,747 sqft |
Baraboo's median square footage for active listings during the 2023-04-01 period was 1,747 sqft. One year prior, the average listing was 1,723 sqft.