Beaver Dam USDA Loan Rates, Closing Costs & Stats
Beaver Dam, 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.
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
7%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Beaver Dam's average USDA mortgage closing costs are $4,029.
The average rate for the prior week (2024-04-12) was
6.66% and
one month ago for the week of 2024-03-15, the
average rate was 6.54%.
The average rate one year ago was 6.08%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.21%.
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 |
Beaver Dam's median listing price comes in at 0% of the national average.
Beaver Dam's average listing price for 2024-03-01 was $415,541, a difference of $36,125 (9.5%) versus the prior year and $10,017 versus the prior month.
For the 2024-03-01 period, Beaver Dam had 95 MLS listings, a difference of 9 listings (10%) versus the prior month and 21 listings (28%) 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 |
Beaver Dam's median square footage for active listings during the 2024-03-01 period was 1,790 sqft. One year prior, the average listing was 1,625 sqft.