Fond Du Lac USDA Loan Rates, Closing Costs & Stats

FOND DU LAC, WI

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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 6.06% for the week of 2023-05-26, compared to the national average (all USDA variants) of 6.63% for the same period.

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

    The average rate for the prior week (2023-05-19) was 6.11% and one month ago for the week of 2023-04-21, the average rate was 6.11%.

    The average rate one year ago was 4.73%.

    For refis of the same type during the week of 2023-05-26, the average rate was 5.3%.

    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 $153,650 (20.8%) $195,190 (12.1%) 0.00 385
    2018-03-01 $153,400 (11.6%) $196,444 (7.4%) 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 (-0.3%) $197,638 (1.3%) 0.00 248
    2019-03-01 $154,900 (5.6%) $203,942 (3.8%) 0.00 200
    2019-04-01 $164,675 (9.6%) $217,619 (4.7%) 0.00 196
    2019-05-01 $176,200 (8.8%) $242,436 (10.3%) 0.00 207
    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 $186,950 (-4.1%) $259,450 (14.8%) 0.00 254
    2019-09-01 $180,725 (2.4%) $257,305 (17.2%) 0.00 238
    2019-10-01 $173,300 (11.2%) $240,542 (13.8%) 0.00 252
    2019-11-01 $183,700 (24.8%) $233,212 (16.4%) 0.00 256
    2019-12-01 $174,900 (20.7%) $224,956 (14.3%) 0.00 241
    2020-01-01 $170,950 (23.9%) $233,675 (24.3%) 0.00 223
    2020-02-01 $184,900 (20.7%) $241,328 (22.1%) 0.00 208
    2020-03-01 $184,900 (14.1%) $248,806 (22.0%) 0.00 208
    2020-04-01 $193,200 (17.6%) $253,358 (16.4%) 0.00 201
    2020-05-01 $212,900 (20.8%) $266,392 (9.9%) 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 (6.7%) 0.00 158
    2020-09-01 $219,925 (25.0%) $271,592 (5.6%) 0.00 169
    2020-10-01 $224,900 (26.5%) $279,998 (16.4%) 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 (10.9%) 0.00 141
    2021-01-01 $164,450 (-3.8%) $259,266 (11.0%) 0.00 122
    2021-02-01 $192,150 (3.9%) $270,480 (12.1%) 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 $299,450 (49.8%) $343,821 (10.4%) 0.00 137
    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 (0.0%) $472,416 (56.5%) 0.00 82
    Fond Du Lac's median listing price for 2023-04-01 was $375,000, a difference of $130,100 (0.0%) versus the prior year and $25,000 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 2023-04-01 was $472,416, a difference of $170,558 (56.5%) versus the prior year and $34,132 versus the prior month.

    For the 2023-04-01 period, Fond Du Lac had 82 MLS listings, a difference of -6 listings (-7%) versus the prior month and 4 listings (5%) 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 1,680 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 1,710 sqft
    2019-04-01 0 days 1,721 sqft
    2019-05-01 0 days 1,719 sqft
    2019-06-01 0 days 1,678 sqft
    2019-07-01 0 days 1,667 sqft
    2019-08-01 0 days 1,676 sqft
    2019-09-01 0 days 1,753 sqft
    2019-10-01 0 days 1,744 sqft
    2019-11-01 0 days 1,779 sqft
    2019-12-01 0 days 1,776 sqft
    2020-01-01 0 days 1,754 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 1,834 sqft
    2020-10-01 0 days 1,850 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 1,575 sqft
    2021-03-01 0 days 1,632 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 1,637 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 1,619 sqft
    2022-03-01 0 days 1,612 sqft
    2022-04-01 0 days 1,606 sqft
    2022-05-01 0 days 1,620 sqft
    2022-06-01 0 days 1,679 sqft
    2022-07-01 0 days 1,695 sqft
    2022-08-01 0 days 1,765 sqft
    2022-09-01 0 days 1,762 sqft
    2022-10-01 0 days 1,818 sqft
    2022-11-01 0 days 1,814 sqft
    2022-12-01 0 days 1,858 sqft
    2023-01-01 0 days 1,920 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
    Fond Du Lac's median listing age (time on market) for 2023-04-01 was 0 days.

    Fond Du Lac's median square footage for active listings during the 2023-04-01 period was 1,890 sqft. One year prior, the average listing was 1,606 sqft.