Beaver Dam USDA Loan Rates, Closing Costs & Stats

Beaver Dam, WI

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    • 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.

    Beaver Dam's 15 lenders originated 16 USDA loans during 2023. The total origination value was $2,930,000, with an average USDA loan value of $183,125.

    Beaver Dam USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Beaver Dam averaged -0.06% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Beaver Dam's average USDA mortgage closing costs are $4,029.

    The average rate for the prior week (2024-11-08) was 6.6% and one month ago for the week of 2024-10-11, the average rate was 6.26%.

    The average rate one year ago was 7.08%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.95%.

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

    Beaver Dam 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 Beaver Dam level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    PLANET HOME LENDING, LLC 2 5.94% $4,126
    Bank First, N.A. 1 6.25% $6,148
    CARDINAL FINANCIAL 1 6.75% $7,324
    Century Mortgage Company DBA Century Lending Company 1 6.25% $5,617
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.99% $4,137
    GSF Mortgage Corporation 1 5.88% $4,235
    Horicon Bank 1 7.13% $3,527
    INB 1 7.75% $4,498
    MID AMERICA MORTGAGE, INC. 1 6.38% $2,000
    Mortgage Research Center, LLC 1 6.13% $3,692
    MOVEMENT MORTGAGE, LLC 1 6.00% $7,831
    NEWREZ LLC 1 5.75% $4,198
    Prosperity Home Mortgage, LLC 1 6.13% $5,239
    A + MORTGAGE SERVICES, INC. 1 6.63% $3,841
    UNITED WHOLESALE MORTGAGE, LLC 1 5.13% $7,239

    The top Beaver Dam USDA lender as defined by loan originations is PLANET HOME LENDING, LLC, with 2 USDA loans originated. Their average total fees are $4,126, which is $2,021 lower than the next largest lender, Bank First, N.A..

    The lowest fee Beaver Dam USDA lenders (with over 10 loans originated) are .

    The lowest rate Beaver Dam USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Beaver Dam (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 $169,850 (13.3%) $226,877 (6.4%) 0.00 232
    2018-02-01 $179,800 (16.1%) $238,023 (12.2%) 0.00 224
    2018-03-01 $187,450 (17.2%) $241,948 (14.9%) 0.00 226
    2018-04-01 $192,450 (7.0%) $250,356 (12.8%) 0.00 228
    2018-05-01 $207,425 (17.3%) $279,286 (25.4%) 0.00 226
    2018-06-01 $219,900 (24.1%) $279,833 (26.9%) 0.00 236
    2018-07-01 $209,900 (18.0%) $282,413 (25.8%) 0.00 281
    2018-08-01 $209,900 (23.5%) $281,828 (27.7%) 0.00 308
    2018-09-01 $199,900 (17.7%) $266,680 (20.8%) 0.00 323
    2018-10-01 $205,000 (28.2%) $271,829 (28.6%) 0.00 322
    2018-11-01 $204,425 (24.9%) $279,382 (28.2%) 0.00 300
    2018-12-01 $199,900 (25.0%) $272,212 (22.7%) 0.00 257
    2019-01-01 $199,900 (17.7%) $279,419 (23.2%) 0.00 231
    2019-02-01 $209,900 (16.7%) $278,302 (16.9%) 0.00 222
    2019-03-01 $220,528 (17.7%) $280,200 (15.8%) 0.00 226
    2019-04-01 $229,950 (19.5%) $297,958 (19.0%) 0.00 232
    2019-05-01 $221,150 (6.6%) $288,379 (3.3%) 0.00 253
    2019-06-01 $235,000 (6.9%) $286,701 (2.5%) 0.00 263
    2019-07-01 $225,900 (7.6%) $286,761 (1.5%) 0.00 277
    2019-08-01 $220,836 (5.2%) $281,198 (-0.2%) 0.00 291
    2019-09-01 $214,741 (7.4%) $274,246 (2.8%) 0.00 299
    2019-10-01 $210,000 (2.4%) $269,611 (-0.8%) 0.00 304
    2019-11-01 $194,900 (-4.7%) $252,891 (-9.5%) 0.00 281
    2019-12-01 $199,850 (0.0%) $253,495 (-6.9%) 0.00 237
    2020-01-01 $199,900 (0.0%) $271,970 (-2.7%) 0.00 206
    2020-02-01 $199,900 (-4.8%) $272,328 (-2.2%) 0.00 204
    2020-03-01 $199,974 (-9.3%) $288,670 (3.0%) 0.00 184
    2020-04-01 $208,700 (-9.2%) $289,400 (-2.9%) 0.00 176
    2020-05-01 $239,000 (8.1%) $302,157 (4.8%) 0.00 179
    2020-06-01 $232,175 (-1.2%) $292,674 (2.1%) 0.00 189
    2020-07-01 $239,900 (6.2%) $296,119 (3.3%) 0.00 193
    2020-08-01 $239,900 (8.6%) $305,400 (8.6%) 0.00 181
    2020-09-01 $242,425 (12.9%) $318,464 (16.1%) 0.00 172
    2020-10-01 $254,900 (21.4%) $329,384 (22.2%) 0.00 162
    2020-11-01 $233,650 (19.9%) $318,518 (26.0%) 0.00 143
    2020-12-01 $212,450 (6.3%) $310,781 (22.6%) 0.00 129
    2021-01-01 $217,450 (8.8%) $308,067 (13.3%) 0.00 118
    2021-02-01 $225,000 (12.6%) $325,644 (19.6%) 0.00 104
    2021-03-01 $224,900 (12.5%) $332,303 (15.1%) 0.00 102
    2021-04-01 $234,425 (12.3%) $340,766 (17.8%) 0.00 109
    2021-05-01 $249,900 (4.6%) $318,351 (5.4%) 0.00 122
    2021-06-01 $237,450 (2.3%) $316,277 (8.1%) 0.00 140
    2021-07-01 $249,900 (4.2%) $325,003 (9.8%) 0.00 144
    2021-08-01 $242,388 (1.0%) $311,442 (2.0%) 0.00 173
    2021-09-01 $244,675 (0.9%) $313,853 (-1.5%) 0.00 170
    2021-10-01 $232,450 (-8.8%) $287,903 (-12.6%) 0.00 167
    2021-11-01 $223,550 (-4.3%) $286,402 (-10.1%) 0.00 147
    2021-12-01 $232,450 (9.4%) $297,017 (-4.4%) 0.00 123
    2022-01-01 $243,400 (11.9%) $303,000 (-1.6%) 0.00 82
    2022-02-01 $289,900 (28.8%) $343,997 (5.6%) 0.00 73
    2022-03-01 $309,900 (37.8%) $349,703 (5.2%) 0.00 76
    2022-04-01 $285,000 (21.6%) $350,999 (3.0%) 0.00 104
    2022-05-01 $274,900 (10.0%) $332,614 (4.5%) 0.00 124
    2022-06-01 $277,450 (16.9%) $365,082 (15.4%) 0.00 134
    2022-07-01 $299,000 (19.7%) $369,945 (13.8%) 0.00 139
    2022-08-01 $301,200 (24.3%) $371,685 (19.3%) 0.00 128
    2022-09-01 $295,225 (20.7%) $368,526 (17.4%) 0.00 126
    2022-10-01 $289,788 (24.7%) $365,512 (27.0%) 0.00 127
    2022-11-01 $284,803 (27.4%) $374,356 (30.7%) 0.00 114
    2022-12-01 $314,900 (35.5%) $394,857 (32.9%) 0.00 90
    2023-01-01 $334,225 (37.3%) $388,067 (28.1%) 0.00 75
    2023-02-01 $345,675 (19.2%) $385,171 (12.0%) 0.00 78
    2023-03-01 $324,700 (4.8%) $379,416 (8.5%) 0.00 74
    2023-04-01 $299,900 (5.2%) $367,561 (4.7%) 0.00 90
    2023-05-01 $322,000 (17.1%) $362,771 (9.1%) 0.00 93
    2023-06-01 $329,225 (18.7%) $384,029 (5.2%) 0.00 112
    2023-07-01 $329,900 (10.3%) $422,797 (14.3%) 0.00 136
    2023-08-01 $338,825 (12.5%) $412,481 (11.0%) 0.00 144
    2023-09-01 $335,000 (13.5%) $409,096 (11.0%) 0.00 140
    2023-10-01 $334,500 (15.4%) $405,926 (11.1%) 0.00 150
    2023-11-01 $324,975 (14.1%) $397,151 (6.1%) 0.00 137
    2023-12-01 $299,900 (-4.8%) $386,540 (-2.1%) 0.00 119
    2024-01-01 $303,700 (-9.1%) $386,983 (-0.3%) 0.00 93
    2024-02-01 $361,150 (4.5%) $405,524 (5.3%) 0.00 86
    2024-03-01 $339,900 (4.7%) $415,541 (9.5%) 0.00 95
    2024-04-01 $339,475 (13.2%) $410,660 (11.7%) 0.00 113
    2024-05-01 $374,900 (16.4%) $436,590 (20.4%) 0.00 134
    2024-06-01 $369,450 (12.2%) $434,372 (13.1%) 0.00 136
    2024-07-01 $354,950 (7.6%) $428,631 (1.4%) 0.00 126
    2024-08-01 $349,900 (3.3%) $434,038 (5.2%) 0.00 152
    2024-09-01 $339,950 (1.5%) $417,502 (2.1%) 0.00 166
    2024-10-01 $334,925 (0.1%) $413,399 (1.8%) 0.00 172
    Beaver Dam's median listing price for 2024-10-01 was $334,925, a difference of $425 (0.1%) versus the prior year and $-5,025 versus the prior month.

    Beaver Dam's median listing price comes in at 0% of the national average.

    Beaver Dam's average listing price for 2024-10-01 was $413,399, a difference of $7,473 (1.8%) versus the prior year and $-4,103 versus the prior month.

    For the 2024-10-01 period, Beaver Dam had 172 MLS listings, a difference of 6 listings (4%) versus the prior month and 22 listings (15%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Beaver Dam (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,611 sqft
    2018-02-01 0 days 1,625 sqft
    2018-03-01 0 days 1,700 sqft
    2018-04-01 0 days 1,652 sqft
    2018-05-01 0 days 1,702 sqft
    2018-06-01 0 days 1,731 sqft
    2018-07-01 0 days 1,725 sqft
    2018-08-01 0 days 1,738 sqft
    2018-09-01 0 days 1,668 sqft
    2018-10-01 0 days 1,688 sqft
    2018-11-01 0 days 1,741 sqft
    2018-12-01 0 days 1,700 sqft
    2019-01-01 0 days 1,673 sqft
    2019-02-01 0 days 1,680 sqft
    2019-03-01 0 days 1,638 sqft
    2019-04-01 0 days 1,674 sqft
    2019-05-01 0 days 1,731 sqft
    2019-06-01 0 days 1,792 sqft
    2019-07-01 0 days 1,729 sqft
    2019-08-01 0 days 1,716 sqft
    2019-09-01 0 days 1,716 sqft
    2019-10-01 0 days 1,716 sqft
    2019-11-01 0 days 1,711 sqft
    2019-12-01 0 days 1,700 sqft
    2020-01-01 0 days 1,686 sqft
    2020-02-01 0 days 1,742 sqft
    2020-03-01 0 days 1,723 sqft
    2020-04-01 0 days 1,683 sqft
    2020-05-01 0 days 1,801 sqft
    2020-06-01 0 days 1,718 sqft
    2020-07-01 0 days 1,812 sqft
    2020-08-01 0 days 1,829 sqft
    2020-09-01 0 days 1,879 sqft
    2020-10-01 0 days 1,870 sqft
    2020-11-01 0 days 1,809 sqft
    2020-12-01 0 days 1,710 sqft
    2021-01-01 0 days 1,675 sqft
    2021-02-01 0 days 1,750 sqft
    2021-03-01 0 days 1,777 sqft
    2021-04-01 0 days 1,799 sqft
    2021-05-01 0 days 1,783 sqft
    2021-06-01 0 days 1,701 sqft
    2021-07-01 0 days 1,775 sqft
    2021-08-01 0 days 1,729 sqft
    2021-09-01 0 days 1,726 sqft
    2021-10-01 0 days 1,710 sqft
    2021-11-01 0 days 1,725 sqft
    2021-12-01 0 days 1,749 sqft
    2022-01-01 0 days 1,648 sqft
    2022-02-01 0 days 1,694 sqft
    2022-03-01 0 days 1,617 sqft
    2022-04-01 0 days 1,721 sqft
    2022-05-01 0 days 1,675 sqft
    2022-06-01 0 days 1,709 sqft
    2022-07-01 0 days 1,768 sqft
    2022-08-01 0 days 1,806 sqft
    2022-09-01 0 days 1,780 sqft
    2022-10-01 0 days 1,695 sqft
    2022-11-01 0 days 1,694 sqft
    2022-12-01 0 days 1,693 sqft
    2023-01-01 0 days 1,688 sqft
    2023-02-01 0 days 1,641 sqft
    2023-03-01 0 days 1,625 sqft
    2023-04-01 0 days 1,672 sqft
    2023-05-01 0 days 1,742 sqft
    2023-06-01 0 days 1,799 sqft
    2023-07-01 0 days 1,728 sqft
    2023-08-01 0 days 1,721 sqft
    2023-09-01 0 days 1,771 sqft
    2023-10-01 0 days 1,785 sqft
    2023-11-01 0 days 1,731 sqft
    2023-12-01 0 days 1,703 sqft
    2024-01-01 0 days 1,702 sqft
    2024-02-01 0 days 1,714 sqft
    2024-03-01 0 days 1,790 sqft
    2024-04-01 0 days 1,770 sqft
    2024-05-01 0 days 1,820 sqft
    2024-06-01 0 days 1,783 sqft
    2024-07-01 0 days 1,793 sqft
    2024-08-01 0 days 1,768 sqft
    2024-09-01 0 days 1,740 sqft
    2024-10-01 0 days 1,723 sqft
    Beaver Dam's median listing age (time on market) for 2024-10-01 was 0 days.

    Beaver Dam's median square footage for active listings during the 2024-10-01 period was 1,723 sqft. One year prior, the average listing was 1,785 sqft.