Whitewater USDA Loan Rates, Closing Costs & Stats

Whitewater, 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.

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 6.76% for the week of 2024-04-12, compared to the national average (all USDA variants) of 6.705% for the same period.

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

The average rate for the prior week (2024-04-05) was 6.88% and one month ago for the week of 2024-03-08, the average rate was 6.64%.

The average rate one year ago was 6.45%.

For refis of the same type during the week of 2024-04-12, the average rate was 6.64%.

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
Whitewater's median listing price for 2024-03-01 was $495,000, a difference of $57,682 (13.2%) versus the prior year and $5,025 versus the prior month.

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

Whitewater's average listing price for 2024-03-01 was $750,240, a difference of $103,891 (16.1%) versus the prior year and $-1,064 versus the prior month.

For the 2024-03-01 period, Whitewater had 413 MLS listings, a difference of 44 listings (12%) versus the prior month and 84 listings (26%) 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
Whitewater's median listing age (time on market) for 2024-03-01 was 0 days.

Whitewater's median square footage for active listings during the 2024-03-01 period was 2,018 sqft. One year prior, the average listing was 1,852 sqft.