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
6.43%
for the week of 2024-11-08, compared to the national average (all USDA variants) of
6.477% for the same period.
Whitewater's average USDA mortgage closing costs are $4,608.
The average rate for the prior week (2024-11-01) was
6.4% and
one month ago for the week of 2024-10-04, the
average rate was 5.82%.
The average rate one year ago was 7.36%.
For refis of the same type during the week of 2024-11-08, the average rate
was 6.61%.
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 |
Whitewater's median listing price comes in at 0% of the national average.
Whitewater's average listing price for 2024-10-01 was $729,117, a difference of $-52,675 (-6.7%) versus the prior year and $-28,585 versus the prior month.
For the 2024-10-01 period, Whitewater had 542 MLS listings, a difference of 2 listings (0%) versus the prior month and 104 listings (24%) 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 |
Whitewater's median square footage for active listings during the 2024-10-01 period was 1,907 sqft. One year prior, the average listing was 1,906 sqft.