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 8 lenders originated 9 USDA loans during 2024. The total origination value was $1,945,000, with an average USDA loan value of $216,111.

Beaver Dam USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Beaver Dam averaged 0.31% for the week of 2025-07-04, compared to the national average (all USDA variants) of 0% for the same period.

Beaver Dam's average USDA mortgage closing costs are $4,093.

The average rate for the prior week (2025-06-27) was 6.45% and one month ago for the week of 2025-05-30, the average rate was 6.53%.

The average rate one year ago was 6.83%.

For refis of the same type during the week of 2025-07-04, the average rate was -0.29%.

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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
GUILD MORTGAGE COMPANY 2 6.75% $5,470
Century Mortgage Company DBA Century Lending Company 1 6.25% $8,223
CROSSCOUNTRY MORTGAGE, LLC 1 6.38% $7,030
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $7,469
Mortgage Research Center, LLC 1 6.99% $3,073
MOVEMENT MORTGAGE, LLC 1 7.25% $6,584
Bell Bank 1 6.75% $6,519
Paramount Residential Mortgage Group, Inc. 1 6.63% $4,028

The top Beaver Dam USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 2 USDA loans originated. Their average total fees are $5,470, which is $2,752 lower than the next largest lender, Century Mortgage Company DBA Century Lending Company.

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 .