Shawano USDA Loan Rates, Closing Costs & Stats

Shawano, WI

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    • 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.

    Shawano's 6 lenders originated 9 USDA loans during 2023. The total origination value was $1,305,000, with an average USDA loan value of $145,000.

    Shawano USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Shawano averaged 6.4% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Shawano's average USDA mortgage closing costs are $3,821.

    The average rate for the prior week (2024-12-06) was 6.23% and one month ago for the week of 2024-11-08, the average rate was 6.35%.

    The average rate one year ago was 6.92%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.3%.

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

    Shawano 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 Shawano level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 2 6.88% $6,418
    Ixonia Bank 2 6.69% $6,173
    CHERRY CREEK MORTGAGE, LLC 1 6.63% $1,566
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 6.63% $4,850
    Nations Lending Corporation 1 5.63% $2,938
    Paramount Residential Mortgage Group, Inc. 1 6.50% $3,587

    The top Shawano USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 2 USDA loans originated. Their average total fees are $6,418, which is $245 higher than the next largest lender, Ixonia Bank.

    The lowest fee Shawano USDA lenders (with over 10 loans originated) are .

    The lowest rate Shawano USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Shawano (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 $129,900 (0.0%) $176,776 (12.0%) 0.00 193
    2018-02-01 $133,400 (2.7%) $178,698 (10.8%) 0.00 199
    2018-03-01 $142,400 (9.6%) $184,598 (12.8%) 0.00 204
    2018-04-01 $149,900 (15.4%) $196,829 (17.4%) 0.00 175
    2018-05-01 $148,950 (6.5%) $200,760 (13.1%) 0.00 175
    2018-06-01 $149,900 (12.2%) $208,251 (21.3%) 0.00 187
    2018-07-01 $149,900 (14.7%) $215,155 (25.7%) 0.00 181
    2018-08-01 $159,900 (15.6%) $223,764 (26.9%) 0.00 180
    2018-09-01 $144,900 (3.6%) $211,212 (16.3%) 0.00 191
    2018-10-01 $139,900 (0.9%) $207,856 (15.6%) 0.00 185
    2018-11-01 $139,900 (3.7%) $201,653 (14.0%) 0.00 171
    2018-12-01 $129,900 (0.0%) $196,740 (11.1%) 0.00 161
    2019-01-01 $133,050 (2.4%) $191,523 (8.3%) 0.00 156
    2019-02-01 $139,000 (4.2%) $201,542 (12.8%) 0.00 154
    2019-03-01 $147,957 (3.9%) $213,510 (15.7%) 0.00 146
    2019-04-01 $158,650 (5.8%) $229,494 (16.6%) 0.00 135
    2019-05-01 $163,650 (9.9%) $221,568 (10.4%) 0.00 139
    2019-06-01 $179,900 (20.0%) $236,449 (13.5%) 0.00 153
    2019-07-01 $161,925 (8.0%) $223,480 (3.9%) 0.00 157
    2019-08-01 $155,518 (-2.7%) $218,763 (-2.2%) 0.00 170
    2019-09-01 $157,870 (9.0%) $216,553 (2.5%) 0.00 175
    2019-10-01 $159,800 (14.2%) $215,080 (3.5%) 0.00 170
    2019-11-01 $162,400 (16.1%) $214,928 (6.6%) 0.00 145
    2019-12-01 $151,900 (16.9%) $203,310 (3.3%) 0.00 150
    2020-01-01 $149,900 (12.7%) $201,254 (5.1%) 0.00 139
    2020-02-01 $149,900 (7.8%) $201,571 (0.0%) 0.00 125
    2020-03-01 $177,900 (20.2%) $226,440 (6.1%) 0.00 118
    2020-04-01 $162,400 (2.4%) $221,320 (-3.6%) 0.00 107
    2020-05-01 $185,500 (13.4%) $235,104 (6.1%) 0.00 102
    2020-06-01 $187,850 (4.4%) $221,661 (-6.3%) 0.00 88
    2020-07-01 $189,325 (16.9%) $219,983 (-1.6%) 0.00 73
    2020-08-01 $185,500 (19.3%) $221,815 (1.4%) 0.00 77
    2020-09-01 $183,850 (16.5%) $240,351 (11.0%) 0.00 72
    2020-10-01 $169,900 (6.3%) $239,361 (11.3%) 0.00 61
    2020-11-01 $184,900 (13.9%) $248,055 (15.4%) 0.00 51
    2020-12-01 $183,650 (20.9%) $232,603 (14.4%) 0.00 52
    2021-01-01 $184,900 (23.4%) $236,480 (17.5%) 0.00 39
    2021-02-01 $199,675 (33.2%) $251,387 (24.7%) 0.00 33
    2021-03-01 $184,900 (3.9%) $240,584 (6.3%) 0.00 29
    2021-04-01 $162,400 (0.0%) $201,681 (-8.9%) 0.00 24
    2021-05-01 $159,900 (-13.8%) $224,767 (-4.4%) 0.00 32
    2021-06-01 $159,900 (-14.9%) $241,358 (8.9%) 0.00 39
    2021-07-01 $174,450 (-7.9%) $248,974 (13.2%) 0.00 48
    2021-08-01 $202,150 (9.0%) $262,722 (18.4%) 0.00 45
    2021-09-01 $203,450 (10.7%) $272,215 (13.3%) 0.00 42
    2021-10-01 $199,500 (17.4%) $270,531 (13.0%) 0.00 40
    2021-11-01 $207,450 (12.2%) $288,758 (16.4%) 0.00 43
    2021-12-01 $199,600 (8.7%) $276,161 (18.7%) 0.00 44
    2022-01-01 $210,000 (13.6%) $306,518 (29.6%) 0.00 31
    2022-02-01 $219,475 (9.9%) $293,352 (16.7%) 0.00 30
    2022-03-01 $252,925 (36.8%) $317,714 (32.1%) 0.00 28
    2022-04-01 $249,900 (53.9%) $303,945 (50.7%) 0.00 34
    2022-05-01 $287,900 (80.1%) $330,831 (47.2%) 0.00 41
    2022-06-01 $262,400 (64.1%) $316,805 (31.3%) 0.00 45
    2022-07-01 $285,900 (63.9%) $342,474 (37.6%) 0.00 55
    2022-08-01 $292,450 (44.7%) $335,642 (27.8%) 0.00 61
    2022-09-01 $333,650 (64.0%) $343,776 (26.3%) 0.00 50
    2022-10-01 $324,500 (62.7%) $349,496 (29.2%) 0.00 47
    2022-11-01 $295,400 (42.4%) $317,539 (10.0%) 0.00 50
    2022-12-01 $314,950 (57.8%) $331,617 (20.1%) 0.00 45
    2023-01-01 $295,175 (40.6%) $315,346 (2.9%) 0.00 38
    2023-02-01 $319,900 (45.8%) $320,894 (9.4%) 0.00 32
    2023-03-01 $305,175 (20.7%) $348,681 (9.8%) 0.00 31
    2023-04-01 $325,000 (30.1%) $380,203 (25.1%) 0.00 32
    2023-05-01 $342,400 (18.9%) $395,295 (19.5%) 0.00 39
    2023-06-01 $317,175 (20.9%) $378,582 (19.5%) 0.00 46
    2023-07-01 $312,450 (9.3%) $366,595 (7.0%) 0.00 51
    2023-08-01 $308,925 (5.6%) $381,266 (13.6%) 0.00 54
    2023-09-01 $324,900 (-2.6%) $420,997 (22.5%) 0.00 54
    2023-10-01 $324,900 (0.1%) $440,516 (26.0%) 0.00 42
    2023-11-01 $297,400 (0.7%) $408,176 (28.5%) 0.00 45
    2023-12-01 $275,000 (-12.7%) $383,975 (15.8%) 0.00 47
    2024-01-01 $277,900 (-5.9%) $377,509 (19.7%) 0.00 47
    2024-02-01 $279,950 (-12.5%) $364,918 (13.7%) 0.00 48
    2024-03-01 $285,900 (-6.3%) $365,253 (4.8%) 0.00 46
    2024-04-01 $296,450 (-8.8%) $368,635 (-3.0%) 0.00 37
    2024-05-01 $285,900 (-16.5%) $342,192 (-13.4%) 0.00 46
    2024-06-01 $295,950 (-6.7%) $358,655 (-5.3%) 0.00 49
    2024-07-01 $268,700 (-14.0%) $367,146 (0.2%) 0.00 57
    2024-08-01 $297,450 (-3.7%) $383,867 (0.7%) 0.00 61
    2024-09-01 $294,400 (-9.4%) $367,766 (-12.6%) 0.00 72
    2024-10-01 $306,500 (-5.7%) $381,171 (-13.5%) 0.00 79
    2024-11-01 $289,450 (-2.7%) $369,683 (-9.4%) 0.00 65
    Shawano's median listing price for 2024-11-01 was $289,450, a difference of $-7,950 (-2.7%) versus the prior year and $-17,050 versus the prior month.

    Shawano's median listing price comes in at 0% of the national average.

    Shawano's average listing price for 2024-11-01 was $369,683, a difference of $-38,493 (-9.4%) versus the prior year and $-11,488 versus the prior month.

    For the 2024-11-01 period, Shawano had 65 MLS listings, a difference of -14 listings (-18%) versus the prior month and 20 listings (44%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Shawano (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,600 sqft
    2018-02-01 0 days 1,635 sqft
    2018-03-01 0 days 1,656 sqft
    2018-04-01 0 days 1,651 sqft
    2018-05-01 0 days 1,610 sqft
    2018-06-01 0 days 1,656 sqft
    2018-07-01 0 days 1,674 sqft
    2018-08-01 0 days 1,700 sqft
    2018-09-01 0 days 1,620 sqft
    2018-10-01 0 days 1,610 sqft
    2018-11-01 0 days 1,610 sqft
    2018-12-01 0 days 1,600 sqft
    2019-01-01 0 days 1,610 sqft
    2019-02-01 0 days 1,670 sqft
    2019-03-01 0 days 1,616 sqft
    2019-04-01 0 days 1,642 sqft
    2019-05-01 0 days 1,625 sqft
    2019-06-01 0 days 1,704 sqft
    2019-07-01 0 days 1,713 sqft
    2019-08-01 0 days 1,702 sqft
    2019-09-01 0 days 1,675 sqft
    2019-10-01 0 days 1,687 sqft
    2019-11-01 0 days 1,655 sqft
    2019-12-01 0 days 1,601 sqft
    2020-01-01 0 days 1,551 sqft
    2020-02-01 0 days 1,584 sqft
    2020-03-01 0 days 1,686 sqft
    2020-04-01 0 days 1,636 sqft
    2020-05-01 0 days 1,726 sqft
    2020-06-01 0 days 1,648 sqft
    2020-07-01 0 days 1,657 sqft
    2020-08-01 0 days 1,692 sqft
    2020-09-01 0 days 1,746 sqft
    2020-10-01 0 days 1,601 sqft
    2020-11-01 0 days 1,640 sqft
    2020-12-01 0 days 1,650 sqft
    2021-01-01 0 days 1,684 sqft
    2021-02-01 0 days 1,682 sqft
    2021-03-01 0 days 1,814 sqft
    2021-04-01 0 days 1,656 sqft
    2021-05-01 0 days 1,645 sqft
    2021-06-01 0 days 1,882 sqft
    2021-07-01 0 days 1,680 sqft
    2021-08-01 0 days 1,734 sqft
    2021-09-01 0 days 1,683 sqft
    2021-10-01 0 days 1,750 sqft
    2021-11-01 0 days 1,716 sqft
    2021-12-01 0 days 1,695 sqft
    2022-01-01 0 days 1,700 sqft
    2022-02-01 0 days 1,685 sqft
    2022-03-01 0 days 1,872 sqft
    2022-04-01 0 days 1,872 sqft
    2022-05-01 0 days 1,896 sqft
    2022-06-01 0 days 1,872 sqft
    2022-07-01 0 days 1,786 sqft
    2022-08-01 0 days 1,709 sqft
    2022-09-01 0 days 1,740 sqft
    2022-10-01 0 days 1,744 sqft
    2022-11-01 0 days 1,840 sqft
    2022-12-01 0 days 1,708 sqft
    2023-01-01 0 days 1,825 sqft
    2023-02-01 0 days 1,803 sqft
    2023-03-01 0 days 1,675 sqft
    2023-04-01 0 days 1,660 sqft
    2023-05-01 0 days 1,748 sqft
    2023-06-01 0 days 1,585 sqft
    2023-07-01 0 days 1,598 sqft
    2023-08-01 0 days 1,570 sqft
    2023-09-01 0 days 1,700 sqft
    2023-10-01 0 days 1,734 sqft
    2023-11-01 0 days 1,815 sqft
    2023-12-01 0 days 1,806 sqft
    2024-01-01 0 days 1,845 sqft
    2024-02-01 0 days 1,713 sqft
    2024-03-01 0 days 1,539 sqft
    2024-04-01 0 days 1,611 sqft
    2024-05-01 0 days 1,547 sqft
    2024-06-01 0 days 1,542 sqft
    2024-07-01 0 days 1,671 sqft
    2024-08-01 0 days 1,740 sqft
    2024-09-01 0 days 1,678 sqft
    2024-10-01 0 days 1,655 sqft
    2024-11-01 0 days 1,578 sqft
    Shawano's median listing age (time on market) for 2024-11-01 was 0 days.

    Shawano's median square footage for active listings during the 2024-11-01 period was 1,578 sqft. One year prior, the average listing was 1,815 sqft.