Fond Du Lac USDA Loan Rates, Closing Costs & Stats

FOND DU LAC, 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.

Fond Du Lac's 6 lenders originated 6 USDA loans during 2022. The total origination value was $1,060,000, with an average USDA loan value of $176,667.

Fond Du Lac USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Fond Du Lac averaged -0.17% for the week of 2024-02-23, compared to the national average (all USDA variants) of 0% for the same period.

Fond Du Lac's average USDA mortgage closing costs are $3,714.

The average rate for the prior week (2024-02-16) was 6.21% and one month ago for the week of 2024-01-19, the average rate was 6.29%.

The average rate one year ago was 6.2%.

For refis of the same type during the week of 2024-02-23, the average rate was -1.33%.

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

Fond Du Lac 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 Fond Du Lac level.

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Flagstar Bank, FSB 1 5.75% $5,969
LIBERTY HOME MORTGAGE CORPORATION 1 5.25% $10,236
Nations Lending Corporation 1 5.75% $2,713
Paramount Residential Mortgage Group, Inc. 1 4.88% $3,280
UNITED WHOLESALE MORTGAGE, LLC 1 6.63% $4,759
U.S. Bank 1 5.25% $4,850

The top Fond Du Lac USDA lender as defined by loan originations is Flagstar Bank, FSB, with 1 USDA loans originated. Their average total fees are $5,969, which is $4,267 lower than the next largest lender, LIBERTY HOME MORTGAGE CORPORATION.

The lowest fee Fond Du Lac USDA lenders (with over 10 loans originated) are .

The lowest rate Fond Du Lac USDA lenders (with over 10 loans originated) are .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Fond Du Lac (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 $149,975 (15.5%) $194,946 (13.7%) 0.00 380
2018-02-01 $153,900 (20.4%) $195,479 (11.8%) 0.00 386
2018-03-01 $153,900 (12.0%) $196,444 (7.0%) 0.00 386
2018-04-01 $149,925 (4.6%) $207,907 (9.3%) 0.00 277
2018-05-01 $161,950 (9.2%) $219,852 (12.8%) 0.00 283
2018-06-01 $178,750 (22.2%) $228,946 (15.2%) 0.00 283
2018-07-01 $181,675 (21.2%) $230,001 (14.7%) 0.00 301
2018-08-01 $178,200 (25.5%) $226,101 (14.5%) 0.00 306
2018-09-01 $171,900 (14.7%) $219,647 (12.5%) 0.00 313
2018-10-01 $159,900 (6.7%) $211,339 (10.6%) 0.00 337
2018-11-01 $147,225 (-4.2%) $200,332 (2.5%) 0.00 325
2018-12-01 $144,950 (-3.4%) $196,833 (1.2%) 0.00 287
2019-01-01 $137,950 (-8.0%) $187,991 (-3.6%) 0.00 268
2019-02-01 $153,150 (-0.5%) $197,638 (1.1%) 0.00 248
2019-03-01 $162,043 (5.3%) $207,757 (5.8%) 0.00 216
2019-04-01 $164,543 (9.8%) $217,379 (4.6%) 0.00 197
2019-05-01 $176,450 (9.0%) $243,119 (10.6%) 0.00 208
2019-06-01 $169,400 (-5.2%) $242,125 (5.8%) 0.00 214
2019-07-01 $170,925 (-5.9%) $252,738 (9.9%) 0.00 242
2019-08-01 $170,845 (-4.1%) $248,701 (10.0%) 0.00 258
2019-09-01 $175,939 (2.4%) $251,888 (14.7%) 0.00 251
2019-10-01 $177,734 (11.2%) $249,863 (18.2%) 0.00 251
2019-11-01 $183,700 (24.8%) $233,212 (16.4%) 0.00 256
2019-12-01 $174,900 (20.7%) $225,332 (14.5%) 0.00 240
2020-01-01 $174,175 (26.3%) $234,116 (24.5%) 0.00 222
2020-02-01 $184,900 (20.7%) $241,812 (22.4%) 0.00 207
2020-03-01 $184,900 (14.1%) $248,806 (19.8%) 0.00 208
2020-04-01 $193,200 (17.4%) $253,358 (16.6%) 0.00 201
2020-05-01 $212,900 (20.7%) $266,392 (9.6%) 0.00 195
2020-06-01 $239,450 (41.4%) $286,062 (18.2%) 0.00 178
2020-07-01 $242,350 (41.8%) $281,925 (11.6%) 0.00 149
2020-08-01 $235,400 (37.8%) $276,877 (11.3%) 0.00 158
2020-09-01 $219,925 (25.0%) $271,592 (7.8%) 0.00 169
2020-10-01 $224,900 (26.5%) $279,998 (12.1%) 0.00 159
2020-11-01 $191,150 (4.1%) $263,687 (13.1%) 0.00 154
2020-12-01 $167,450 (-4.3%) $249,534 (10.7%) 0.00 141
2021-01-01 $164,450 (-5.6%) $259,266 (10.7%) 0.00 122
2021-02-01 $192,150 (3.9%) $270,480 (11.9%) 0.00 102
2021-03-01 $228,500 (23.6%) $284,121 (14.2%) 0.00 88
2021-04-01 $248,650 (28.7%) $298,066 (17.7%) 0.00 84
2021-05-01 $249,900 (17.4%) $285,977 (7.4%) 0.00 89
2021-06-01 $206,000 (-14.0%) $299,562 (4.7%) 0.00 115
2021-07-01 $199,950 (-17.5%) $311,540 (10.5%) 0.00 150
2021-08-01 $196,325 (-16.6%) $294,296 (6.3%) 0.00 157
2021-09-01 $199,900 (-9.1%) $284,606 (4.8%) 0.00 173
2021-10-01 $224,900 (0.0%) $293,262 (4.7%) 0.00 173
2021-11-01 $222,000 (16.1%) $289,079 (9.6%) 0.00 150
2021-12-01 $209,900 (25.4%) $289,992 (16.2%) 0.00 117
2022-01-01 $194,500 (18.3%) $260,651 (0.5%) 0.00 101
2022-02-01 $207,400 (7.9%) $276,506 (2.2%) 0.00 75
2022-03-01 $241,675 (5.8%) $300,172 (5.7%) 0.00 66
2022-04-01 $244,900 (-1.5%) $301,858 (1.3%) 0.00 78
2022-05-01 $283,300 (13.4%) $326,130 (14.0%) 0.00 96
2022-06-01 $289,900 (40.7%) $328,006 (9.5%) 0.00 112
2022-07-01 $299,000 (49.5%) $343,821 (10.4%) 0.00 138
2022-08-01 $299,900 (52.8%) $351,011 (19.3%) 0.00 135
2022-09-01 $279,900 (40.0%) $357,072 (25.5%) 0.00 131
2022-10-01 $292,900 (30.2%) $395,937 (35.0%) 0.00 127
2022-11-01 $294,925 (32.9%) $383,455 (32.7%) 0.00 129
2022-12-01 $299,900 (42.9%) $404,204 (39.4%) 0.00 102
2023-01-01 $329,742 (69.5%) $431,455 (65.5%) 0.00 87
2023-02-01 $350,000 (68.8%) $451,028 (63.1%) 0.00 83
2023-03-01 $350,000 (44.8%) $438,284 (46.0%) 0.00 88
2023-04-01 $375,000 (53.1%) $472,416 (56.5%) 0.00 82
2023-05-01 $340,400 (20.2%) $424,912 (30.3%) 0.00 88
2023-06-01 $339,900 (17.3%) $404,673 (23.4%) 0.00 92
2023-07-01 $339,900 (13.7%) $402,019 (16.9%) 0.00 102
2023-08-01 $319,725 (6.6%) $373,496 (6.4%) 0.00 112
2023-09-01 $319,900 (14.3%) $358,660 (0.4%) 0.00 117
2023-10-01 $307,400 (5.0%) $363,639 (-8.2%) 0.00 123
2023-11-01 $280,600 (-4.9%) $333,999 (-12.9%) 0.00 124
2023-12-01 $287,400 (-4.2%) $333,567 (-17.5%) 0.00 100
Fond Du Lac's median listing price for 2023-12-01 was $287,400, a difference of $-12,500 (-4.2%) versus the prior year and $6,800 versus the prior month.

Fond Du Lac's median listing price comes in at 0% of the national average.

Fond Du Lac's average listing price for 2023-12-01 was $333,567, a difference of $-70,637 (-17.5%) versus the prior year and $-432 versus the prior month.

For the 2023-12-01 period, Fond Du Lac had 100 MLS listings, a difference of -24 listings (-19%) versus the prior month and -2 listings (-2%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Fond Du Lac (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,692 sqft
2018-02-01 0 days 1,682 sqft
2018-03-01 0 days 1,708 sqft
2018-04-01 0 days 1,685 sqft
2018-05-01 0 days 1,690 sqft
2018-06-01 0 days 1,729 sqft
2018-07-01 0 days 1,753 sqft
2018-08-01 0 days 1,777 sqft
2018-09-01 0 days 1,767 sqft
2018-10-01 0 days 1,728 sqft
2018-11-01 0 days 1,712 sqft
2018-12-01 0 days 1,716 sqft
2019-01-01 0 days 1,690 sqft
2019-02-01 0 days 1,727 sqft
2019-03-01 0 days 1,753 sqft
2019-04-01 0 days 1,730 sqft
2019-05-01 0 days 1,720 sqft
2019-06-01 0 days 1,678 sqft
2019-07-01 0 days 1,667 sqft
2019-08-01 0 days 1,664 sqft
2019-09-01 0 days 1,718 sqft
2019-10-01 0 days 1,754 sqft
2019-11-01 0 days 1,779 sqft
2019-12-01 0 days 1,778 sqft
2020-01-01 0 days 1,755 sqft
2020-02-01 0 days 1,770 sqft
2020-03-01 0 days 1,793 sqft
2020-04-01 0 days 1,760 sqft
2020-05-01 0 days 1,755 sqft
2020-06-01 0 days 1,848 sqft
2020-07-01 0 days 1,911 sqft
2020-08-01 0 days 1,912 sqft
2020-09-01 0 days 1,832 sqft
2020-10-01 0 days 1,848 sqft
2020-11-01 0 days 1,739 sqft
2020-12-01 0 days 1,583 sqft
2021-01-01 0 days 1,562 sqft
2021-02-01 0 days 1,581 sqft
2021-03-01 0 days 1,630 sqft
2021-04-01 0 days 1,763 sqft
2021-05-01 0 days 1,741 sqft
2021-06-01 0 days 1,648 sqft
2021-07-01 0 days 1,627 sqft
2021-08-01 0 days 1,654 sqft
2021-09-01 0 days 1,638 sqft
2021-10-01 0 days 1,648 sqft
2021-11-01 0 days 1,654 sqft
2021-12-01 0 days 1,641 sqft
2022-01-01 0 days 1,624 sqft
2022-02-01 0 days 1,622 sqft
2022-03-01 0 days 1,615 sqft
2022-04-01 0 days 1,606 sqft
2022-05-01 0 days 1,620 sqft
2022-06-01 0 days 1,683 sqft
2022-07-01 0 days 1,695 sqft
2022-08-01 0 days 1,761 sqft
2022-09-01 0 days 1,754 sqft
2022-10-01 0 days 1,816 sqft
2022-11-01 0 days 1,810 sqft
2022-12-01 0 days 1,858 sqft
2023-01-01 0 days 1,921 sqft
2023-02-01 0 days 1,939 sqft
2023-03-01 0 days 1,842 sqft
2023-04-01 0 days 1,890 sqft
2023-05-01 0 days 1,898 sqft
2023-06-01 0 days 1,830 sqft
2023-07-01 0 days 1,840 sqft
2023-08-01 0 days 1,795 sqft
2023-09-01 0 days 1,774 sqft
2023-10-01 0 days 1,734 sqft
2023-11-01 0 days 1,714 sqft
2023-12-01 0 days 1,747 sqft
Fond Du Lac's median listing age (time on market) for 2023-12-01 was 0 days.

Fond Du Lac's median square footage for active listings during the 2023-12-01 period was 1,747 sqft. One year prior, the average listing was 1,858 sqft.