Whitewater USDA Loan Rates, Closing Costs & Stats

Whitewater, 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.

    Whitewater's 3 lenders originated 4 USDA loans during 2024. The total origination value was $1,030,000, with an average USDA loan value of $257,500.

    Whitewater USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Whitewater averaged 6.98% for the week of 2025-05-23, compared to the national average (all USDA variants) of 6.433% for the same period.

    Whitewater's average USDA mortgage closing costs are $4,668.

    The average rate for the prior week (2025-05-16) was 6.81% and one month ago for the week of 2025-04-18, the average rate was 6.9%.

    The average rate one year ago was 7.07%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.3%.

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

    Whitewater 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 Whitewater level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUARANTEED RATE, INC. 2 6.48% $8,780
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.62% $6,145
    PLANET HOME LENDING, LLC 1 6.00% $9,369

    The top Whitewater USDA lender as defined by loan originations is GUARANTEED RATE, INC., with 2 USDA loans originated. Their average total fees are $8,780, which is $2,635 higher than the next largest lender, DIAMOND RESIDENTIAL MORTGAGE CORPORATION.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Whitewater (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 $273,945 (10.5%) $451,317 (3.5%) 0.00 718
    2018-02-01 $277,975 (7.0%) $466,628 (2.3%) 0.00 766
    2018-03-01 $279,000 (7.5%) $459,177 (1.4%) 0.00 838
    2018-04-01 $282,450 (10.8%) $452,542 (1.1%) 0.00 875
    2018-05-01 $289,725 (12.2%) $456,645 (3.2%) 0.00 935
    2018-06-01 $285,000 (6.7%) $453,959 (1.6%) 0.00 991
    2018-07-01 $280,490 (5.3%) $451,641 (1.7%) 0.00 1,006
    2018-08-01 $285,498 (8.8%) $441,689 (-0.9%) 0.00 1,018
    2018-09-01 $289,000 (3.3%) $446,483 (-3.9%) 0.00 1,011
    2018-10-01 $284,500 (1.8%) $455,782 (-1.2%) 0.00 974
    2018-11-01 $288,975 (5.1%) $451,591 (-2.0%) 0.00 881
    2018-12-01 $289,900 (5.5%) $460,282 (1.5%) 0.00 771
    2019-01-01 $289,450 (5.7%) $464,169 (2.9%) 0.00 683
    2019-02-01 $299,000 (7.6%) $479,976 (2.9%) 0.00 692
    2019-03-01 $301,411 (8.0%) $489,501 (6.6%) 0.00 760
    2019-04-01 $315,963 (11.9%) $520,804 (15.1%) 0.00 847
    2019-05-01 $325,765 (12.4%) $529,775 (16.0%) 0.00 844
    2019-06-01 $320,915 (12.6%) $518,582 (14.2%) 0.00 882
    2019-07-01 $325,000 (15.9%) $524,406 (16.1%) 0.00 905
    2019-08-01 $320,909 (12.4%) $517,948 (17.3%) 0.00 916
    2019-09-01 $314,773 (8.9%) $508,772 (14.0%) 0.00 905
    2019-10-01 $307,475 (8.1%) $502,654 (10.3%) 0.00 885
    2019-11-01 $299,900 (3.8%) $498,802 (10.5%) 0.00 766
    2019-12-01 $304,173 (4.9%) $519,930 (13.0%) 0.00 637
    2020-01-01 $299,950 (3.6%) $514,309 (10.8%) 0.00 573
    2020-02-01 $315,000 (5.4%) $534,984 (11.5%) 0.00 630
    2020-03-01 $322,125 (6.9%) $531,301 (8.5%) 0.00 676
    2020-04-01 $319,950 (1.3%) $531,792 (2.1%) 0.00 658
    2020-05-01 $315,000 (-3.3%) $529,047 (-0.1%) 0.00 688
    2020-06-01 $320,900 (0.0%) $534,917 (3.2%) 0.00 715
    2020-07-01 $328,250 (1.0%) $534,948 (2.0%) 0.00 718
    2020-08-01 $316,495 (-1.4%) $532,192 (2.8%) 0.00 689
    2020-09-01 $316,073 (0.4%) $510,223 (0.3%) 0.00 683
    2020-10-01 $305,000 (-0.8%) $527,018 (4.9%) 0.00 614
    2020-11-01 $300,000 (0.0%) $533,565 (7.0%) 0.00 542
    2020-12-01 $299,900 (-1.4%) $534,625 (2.8%) 0.00 456
    2021-01-01 $294,900 (-1.7%) $528,740 (2.8%) 0.00 383
    2021-02-01 $309,925 (-1.6%) $556,786 (4.1%) 0.00 407
    2021-03-01 $309,950 (-3.8%) $528,115 (-0.6%) 0.00 412
    2021-04-01 $322,400 (0.8%) $516,938 (-2.8%) 0.00 443
    2021-05-01 $329,900 (4.7%) $523,919 (-1.0%) 0.00 494
    2021-06-01 $326,975 (1.9%) $532,221 (-0.5%) 0.00 534
    2021-07-01 $329,700 (0.4%) $554,371 (3.6%) 0.00 555
    2021-08-01 $349,900 (10.6%) $535,685 (0.7%) 0.00 611
    2021-09-01 $348,250 (10.2%) $521,632 (2.2%) 0.00 607
    2021-10-01 $344,950 (13.1%) $538,264 (2.1%) 0.00 529
    2021-11-01 $342,625 (14.2%) $539,749 (1.2%) 0.00 465
    2021-12-01 $332,000 (10.7%) $529,400 (-1.0%) 0.00 380
    2022-01-01 $342,950 (16.3%) $532,947 (0.8%) 0.00 314
    2022-02-01 $352,250 (13.7%) $589,820 (5.9%) 0.00 284
    2022-03-01 $371,748 (19.9%) $621,519 (17.7%) 0.00 293
    2022-04-01 $375,500 (16.5%) $599,067 (15.9%) 0.00 357
    2022-05-01 $374,500 (13.5%) $607,458 (16.0%) 0.00 372
    2022-06-01 $379,450 (16.1%) $625,391 (17.5%) 0.00 380
    2022-07-01 $374,900 (13.7%) $604,848 (9.1%) 0.00 434
    2022-08-01 $379,000 (8.3%) $634,627 (18.5%) 0.00 458
    2022-09-01 $390,000 (12.0%) $591,098 (13.3%) 0.00 451
    2022-10-01 $389,000 (12.8%) $615,043 (14.3%) 0.00 405
    2022-11-01 $375,000 (9.5%) $597,017 (10.6%) 0.00 385
    2022-12-01 $380,000 (14.5%) $607,984 (14.8%) 0.00 313
    2023-01-01 $392,175 (14.4%) $603,749 (13.3%) 0.00 270
    2023-02-01 $421,820 (19.8%) $619,356 (5.0%) 0.00 279
    2023-03-01 $437,318 (17.6%) $646,349 (4.0%) 0.00 329
    2023-04-01 $458,990 (22.2%) $686,169 (14.5%) 0.00 341
    2023-05-01 $462,345 (23.5%) $755,676 (24.4%) 0.00 379
    2023-06-01 $458,895 (20.9%) $782,241 (25.1%) 0.00 436
    2023-07-01 $465,495 (24.2%) $802,501 (32.7%) 0.00 453
    2023-08-01 $462,045 (21.9%) $781,334 (23.1%) 0.00 454
    2023-09-01 $467,190 (19.8%) $793,047 (34.2%) 0.00 444
    2023-10-01 $463,495 (19.2%) $781,792 (27.1%) 0.00 438
    2023-11-01 $460,198 (22.7%) $802,948 (34.5%) 0.00 424
    2023-12-01 $469,240 (23.5%) $745,503 (22.6%) 0.00 372
    2024-01-01 $474,950 (21.1%) $760,933 (26.0%) 0.00 349
    2024-02-01 $489,975 (16.2%) $751,304 (21.3%) 0.00 369
    2024-03-01 $495,000 (13.2%) $750,240 (16.1%) 0.00 413
    2024-04-01 $485,000 (5.7%) $733,778 (6.9%) 0.00 454
    2024-05-01 $493,825 (6.8%) $800,554 (5.9%) 0.00 493
    2024-06-01 $486,690 (6.1%) $787,884 (0.7%) 0.00 560
    2024-07-01 $481,085 (3.4%) $795,711 (-0.9%) 0.00 513
    2024-08-01 $473,500 (2.5%) $773,964 (-0.9%) 0.00 542
    2024-09-01 $465,998 (-0.3%) $757,702 (-4.5%) 0.00 540
    2024-10-01 $477,365 (3.0%) $729,117 (-6.7%) 0.00 542
    2024-11-01 $469,800 (2.1%) $708,066 (-11.8%) 0.00 480
    2024-12-01 $484,061 (3.2%) $684,871 (-8.1%) 0.00 391
    2025-01-01 $486,059 (2.3%) $650,550 (-14.5%) 0.00 369
    2025-02-01 $492,595 (0.5%) $680,642 (-9.4%) 0.00 389
    2025-03-01 $475,000 (-4.0%) $661,483 (-11.8%) 0.00 420
    2025-04-01 $468,893 (-3.3%) $651,399 (-11.2%) 0.00 492
    Whitewater's median listing price for 2025-04-01 was $468,893, a difference of $-16,107 (-3.3%) versus the prior year and $-6,107 versus the prior month.

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

    Whitewater's average listing price for 2025-04-01 was $651,399, a difference of $-82,379 (-11.2%) versus the prior year and $-10,084 versus the prior month.

    For the 2025-04-01 period, Whitewater had 492 MLS listings, a difference of 72 listings (17%) versus the prior month and 38 listings (8%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Whitewater (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,809 sqft
    2018-02-01 0 days 1,809 sqft
    2018-03-01 0 days 1,821 sqft
    2018-04-01 0 days 1,819 sqft
    2018-05-01 0 days 1,810 sqft
    2018-06-01 0 days 1,820 sqft
    2018-07-01 0 days 1,801 sqft
    2018-08-01 0 days 1,806 sqft
    2018-09-01 0 days 1,801 sqft
    2018-10-01 0 days 1,797 sqft
    2018-11-01 0 days 1,799 sqft
    2018-12-01 0 days 1,800 sqft
    2019-01-01 0 days 1,801 sqft
    2019-02-01 0 days 1,816 sqft
    2019-03-01 0 days 1,817 sqft
    2019-04-01 0 days 1,872 sqft
    2019-05-01 0 days 1,901 sqft
    2019-06-01 0 days 1,897 sqft
    2019-07-01 0 days 1,928 sqft
    2019-08-01 0 days 1,917 sqft
    2019-09-01 0 days 1,918 sqft
    2019-10-01 0 days 1,910 sqft
    2019-11-01 0 days 1,866 sqft
    2019-12-01 0 days 1,864 sqft
    2020-01-01 0 days 1,801 sqft
    2020-02-01 0 days 1,878 sqft
    2020-03-01 0 days 1,853 sqft
    2020-04-01 0 days 1,859 sqft
    2020-05-01 0 days 1,840 sqft
    2020-06-01 0 days 1,887 sqft
    2020-07-01 0 days 1,900 sqft
    2020-08-01 0 days 1,893 sqft
    2020-09-01 0 days 1,896 sqft
    2020-10-01 0 days 1,847 sqft
    2020-11-01 0 days 1,811 sqft
    2020-12-01 0 days 1,810 sqft
    2021-01-01 0 days 1,750 sqft
    2021-02-01 0 days 1,750 sqft
    2021-03-01 0 days 1,725 sqft
    2021-04-01 0 days 1,768 sqft
    2021-05-01 0 days 1,800 sqft
    2021-06-01 0 days 1,806 sqft
    2021-07-01 0 days 1,748 sqft
    2021-08-01 0 days 1,740 sqft
    2021-09-01 0 days 1,740 sqft
    2021-10-01 0 days 1,744 sqft
    2021-11-01 0 days 1,752 sqft
    2021-12-01 0 days 1,747 sqft
    2022-01-01 0 days 1,670 sqft
    2022-02-01 0 days 1,749 sqft
    2022-03-01 0 days 1,768 sqft
    2022-04-01 0 days 1,750 sqft
    2022-05-01 0 days 1,785 sqft
    2022-06-01 0 days 1,827 sqft
    2022-07-01 0 days 1,800 sqft
    2022-08-01 0 days 1,810 sqft
    2022-09-01 0 days 1,824 sqft
    2022-10-01 0 days 1,887 sqft
    2022-11-01 0 days 1,858 sqft
    2022-12-01 0 days 1,850 sqft
    2023-01-01 0 days 1,872 sqft
    2023-02-01 0 days 1,922 sqft
    2023-03-01 0 days 1,852 sqft
    2023-04-01 0 days 1,962 sqft
    2023-05-01 0 days 1,920 sqft
    2023-06-01 0 days 1,848 sqft
    2023-07-01 0 days 1,884 sqft
    2023-08-01 0 days 1,896 sqft
    2023-09-01 0 days 1,902 sqft
    2023-10-01 0 days 1,906 sqft
    2023-11-01 0 days 1,935 sqft
    2023-12-01 0 days 2,017 sqft
    2024-01-01 0 days 2,005 sqft
    2024-02-01 0 days 2,000 sqft
    2024-03-01 0 days 2,018 sqft
    2024-04-01 0 days 1,987 sqft
    2024-05-01 0 days 1,997 sqft
    2024-06-01 0 days 1,947 sqft
    2024-07-01 0 days 1,969 sqft
    2024-08-01 0 days 1,950 sqft
    2024-09-01 0 days 1,931 sqft
    2024-10-01 0 days 1,907 sqft
    2024-11-01 0 days 1,887 sqft
    2024-12-01 0 days 1,911 sqft
    2025-01-01 0 days 1,895 sqft
    2025-02-01 0 days 1,887 sqft
    2025-03-01 0 days 1,887 sqft
    2025-04-01 0 days 1,859 sqft
    Whitewater's median listing age (time on market) for 2025-04-01 was 0 days.

    Whitewater's median square footage for active listings during the 2025-04-01 period was 1,859 sqft. One year prior, the average listing was 1,987 sqft.