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 4 lenders originated 6 USDA loans during 2023. The total origination value was $1,450,000, with an average USDA loan value of $241,667.

    Whitewater USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Whitewater averaged 6.15% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Whitewater's average USDA mortgage closing costs are $4,608.

    The average rate for the prior week (2024-12-06) was 6.49% and one month ago for the week of 2024-11-08, the average rate was 6.41%.

    The average rate one year ago was 6.67%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.23%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 2 5.88% $7,895
    Barrington Bank & Trust Company, N.A. 1 6.25% $9,252
    DAS Acquisition Company, LLC 1 7.75% $5,812
    Paramount Residential Mortgage Group, Inc. 1 6.25% $8,572

    The top Whitewater USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 2 USDA loans originated. Their average total fees are $7,895, which is $1,356 lower than the next largest lender, Barrington Bank & Trust Company, N.A..

    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 $277,000 (6.6%) $466,860 (2.3%) 0.00 765
    2018-03-01 $279,000 (7.5%) $459,177 (1.4%) 0.00 838
    2018-04-01 $282,450 (10.3%) $452,542 (1.1%) 0.00 875
    2018-05-01 $289,725 (11.9%) $456,645 (3.2%) 0.00 935
    2018-06-01 $285,000 (6.7%) $453,959 (1.6%) 0.00 991
    2018-07-01 $280,993 (5.4%) $451,826 (1.8%) 0.00 1,005
    2018-08-01 $285,995 (8.9%) $441,863 (-0.9%) 0.00 1,017
    2018-09-01 $289,000 (3.3%) $446,660 (-3.8%) 0.00 1,010
    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 (7.9%) $479,976 (2.8%) 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%) $529,389 (15.9%) 0.00 845
    2019-06-01 $320,915 (12.6%) $518,582 (14.2%) 0.00 882
    2019-07-01 $325,000 (15.7%) $524,406 (16.1%) 0.00 905
    2019-08-01 $320,909 (12.2%) $517,948 (17.2%) 0.00 916
    2019-09-01 $314,773 (8.9%) $508,772 (13.9%) 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 $329,900 (0.5%) $556,206 (4.0%) 0.00 555
    2021-08-01 $349,900 (10.6%) $537,415 (1.0%) 0.00 612
    2021-09-01 $348,250 (10.2%) $522,486 (2.4%) 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 (13.6%) $604,848 (8.8%) 0.00 434
    2022-08-01 $379,000 (8.3%) $634,627 (18.1%) 0.00 458
    2022-09-01 $390,000 (12.0%) $591,098 (13.1%) 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 $461,595 (23.3%) $755,226 (24.3%) 0.00 379
    2023-06-01 $458,895 (20.9%) $781,816 (25.0%) 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 $498,375 (8.0%) $805,511 (6.7%) 0.00 493
    2024-06-01 $491,945 (7.2%) $797,203 (2.0%) 0.00 558
    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
    Whitewater's median listing price for 2024-11-01 was $469,800, a difference of $9,602 (2.1%) versus the prior year and $-7,565 versus the prior month.

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

    Whitewater's average listing price for 2024-11-01 was $708,066, a difference of $-94,882 (-11.8%) versus the prior year and $-21,051 versus the prior month.

    For the 2024-11-01 period, Whitewater had 480 MLS listings, a difference of -62 listings (-11%) versus the prior month and 56 listings (13%) 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 1,816 sqft
    2018-03-01 0 days 1,819 sqft
    2018-04-01 0 days 1,819 sqft
    2018-05-01 0 days 1,811 sqft
    2018-06-01 0 days 1,821 sqft
    2018-07-01 0 days 1,804 sqft
    2018-08-01 0 days 1,807 sqft
    2018-09-01 0 days 1,802 sqft
    2018-10-01 0 days 1,799 sqft
    2018-11-01 0 days 1,800 sqft
    2018-12-01 0 days 1,800 sqft
    2019-01-01 0 days 1,801 sqft
    2019-02-01 0 days 1,817 sqft
    2019-03-01 0 days 1,816 sqft
    2019-04-01 0 days 1,873 sqft
    2019-05-01 0 days 1,910 sqft
    2019-06-01 0 days 1,896 sqft
    2019-07-01 0 days 1,938 sqft
    2019-08-01 0 days 1,934 sqft
    2019-09-01 0 days 1,931 sqft
    2019-10-01 0 days 1,915 sqft
    2019-11-01 0 days 1,875 sqft
    2019-12-01 0 days 1,864 sqft
    2020-01-01 0 days 1,801 sqft
    2020-02-01 0 days 1,882 sqft
    2020-03-01 0 days 1,867 sqft
    2020-04-01 0 days 1,862 sqft
    2020-05-01 0 days 1,840 sqft
    2020-06-01 0 days 1,889 sqft
    2020-07-01 0 days 1,900 sqft
    2020-08-01 0 days 1,898 sqft
    2020-09-01 0 days 1,893 sqft
    2020-10-01 0 days 1,860 sqft
    2020-11-01 0 days 1,809 sqft
    2020-12-01 0 days 1,812 sqft
    2021-01-01 0 days 1,748 sqft
    2021-02-01 0 days 1,748 sqft
    2021-03-01 0 days 1,714 sqft
    2021-04-01 0 days 1,754 sqft
    2021-05-01 0 days 1,800 sqft
    2021-06-01 0 days 1,808 sqft
    2021-07-01 0 days 1,746 sqft
    2021-08-01 0 days 1,740 sqft
    2021-09-01 0 days 1,738 sqft
    2021-10-01 0 days 1,734 sqft
    2021-11-01 0 days 1,753 sqft
    2021-12-01 0 days 1,736 sqft
    2022-01-01 0 days 1,704 sqft
    2022-02-01 0 days 1,765 sqft
    2022-03-01 0 days 1,773 sqft
    2022-04-01 0 days 1,750 sqft
    2022-05-01 0 days 1,792 sqft
    2022-06-01 0 days 1,826 sqft
    2022-07-01 0 days 1,800 sqft
    2022-08-01 0 days 1,814 sqft
    2022-09-01 0 days 1,824 sqft
    2022-10-01 0 days 1,898 sqft
    2022-11-01 0 days 1,848 sqft
    2022-12-01 0 days 1,856 sqft
    2023-01-01 0 days 1,870 sqft
    2023-02-01 0 days 1,903 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 1,853 sqft
    2023-07-01 0 days 1,887 sqft
    2023-08-01 0 days 1,899 sqft
    2023-09-01 0 days 1,922 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 1,990 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
    Whitewater's median listing age (time on market) for 2024-11-01 was 0 days.

    Whitewater's median square footage for active listings during the 2024-11-01 period was 1,887 sqft. One year prior, the average listing was 1,935 sqft.