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 3 lenders originated 3 USDA loans during 2023. The total origination value was $555,000, with an average USDA loan value of $185,000.
Fond Du Lac USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Fond Du Lac
averaged
6.85%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Fond Du Lac's average USDA mortgage closing costs are $3,780.
The average rate for the prior week (2024-04-12) was
6.6% and
one month ago for the week of 2024-03-15, the
average rate was 6.69%.
The average rate one year ago was 6.12%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.62%.
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 | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| Horicon Bank | 1 | 7.00% | $3,649 |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | 6.63% | $6,829 |
| UNION HOME MORTGAGE CORP. | 1 | 6.63% | $6,842 |
The top Fond Du Lac USDA lender as defined by loan originations is Horicon Bank, with
1 USDA loans originated. Their average total fees are
$3,649, which is $3,180
lower than the next largest lender,
SUCCESS MORTGAGE PARTNERS, INC..
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 |
| 2024-01-01 | $281,150 (-14.7%) | $336,603 (-22.0%) | 0.00 | 90 |
| 2024-02-01 | $342,400 (-2.2%) | $371,418 (-17.7%) | 0.00 | 96 |
| 2024-03-01 | $374,900 (7.1%) | $405,295 (-7.5%) | 0.00 | 100 |
Fond Du Lac's median listing price comes in at 0% of the national average.
Fond Du Lac's average listing price for 2024-03-01 was $405,295, a difference of $-32,989 (-7.5%) versus the prior year and $33,877 versus the prior month.
For the 2024-03-01 period, Fond Du Lac had 100 MLS listings, a difference of 4 listings (4%) versus the prior month and 12 listings (14%) 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 | 1,844 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 | 1,848 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 |
| 2024-01-01 | 0 days | 1,703 sqft |
| 2024-02-01 | 0 days | 1,796 sqft |
| 2024-03-01 | 0 days | 1,800 sqft |
Fond Du Lac's median square footage for active listings during the 2024-03-01 period was 1,800 sqft. One year prior, the average listing was 1,842 sqft.