Ardmore USDA Loan Rates, Closing Costs & Stats

Ardmore, OK

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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.

    Ardmore's 6 lenders originated 6 USDA loans during 2023. The total origination value was $1,010,000, with an average USDA loan value of $168,333.

    Ardmore USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Ardmore averaged 6.59% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Ardmore's average USDA mortgage closing costs are $4,559.

    The average rate for the prior week (2025-02-07) was 6.65% and one month ago for the week of 2025-01-10, the average rate was 6.7%.

    The average rate one year ago was 6.79%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.43%.

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

    Ardmore 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 Ardmore level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    ASSOCIATED MORTGAGE CORPORATION 1 6.38% $11,291
    BancFirst 1 7.00% $6,610
    CARDINAL FINANCIAL 1 5.75% $6,227
    MEMBER ADVANTAGE MORTGAGE, LLC 1 6.88% $6,723
    NEWREZ LLC 1 6.63% $4,412
    OPEN MORTGAGE, LLC 1 6.00% $9,074

    The top Ardmore USDA lender as defined by loan originations is ASSOCIATED MORTGAGE CORPORATION, with 1 USDA loans originated. Their average total fees are $11,291, which is $4,681 higher than the next largest lender, BancFirst.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Ardmore (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 $161,225 (-1.8%) $219,854 (0.4%) 0.00 283
    2018-02-01 $159,900 (-5.8%) $215,070 (-2.1%) 0.00 287
    2018-03-01 $165,000 (-5.7%) $209,169 (-5.3%) 0.00 284
    2018-04-01 $169,900 (0.0%) $217,257 (-1.3%) 0.00 275
    2018-05-01 $169,950 (-2.9%) $223,081 (-1.0%) 0.00 277
    2018-06-01 $169,900 (-4.5%) $224,770 (-3.0%) 0.00 270
    2018-07-01 $169,400 (-5.8%) $219,671 (-6.4%) 0.00 260
    2018-08-01 $169,575 (-5.1%) $218,265 (-6.0%) 0.00 248
    2018-09-01 $165,000 (-6.3%) $216,030 (-7.0%) 0.00 250
    2018-10-01 $164,950 (-2.9%) $212,328 (-7.5%) 0.00 241
    2018-11-01 $162,150 (-4.6%) $205,806 (-10.7%) 0.00 241
    2018-12-01 $159,900 (-8.6%) $202,591 (-12.0%) 0.00 243
    2019-01-01 $156,150 (-3.2%) $212,801 (-3.2%) 0.00 240
    2019-02-01 $152,450 (-4.7%) $223,325 (3.8%) 0.00 221
    2019-03-01 $154,936 (-6.1%) $225,564 (7.8%) 0.00 220
    2019-04-01 $154,861 (-8.9%) $228,877 (5.4%) 0.00 219
    2019-05-01 $155,375 (-8.6%) $222,258 (-0.4%) 0.00 232
    2019-06-01 $151,950 (-10.6%) $223,323 (-0.6%) 0.00 217
    2019-07-01 $153,750 (-9.2%) $223,957 (2.0%) 0.00 212
    2019-08-01 $163,950 (-3.3%) $239,170 (9.6%) 0.00 207
    2019-09-01 $170,025 (3.1%) $253,211 (17.2%) 0.00 198
    2019-10-01 $174,075 (5.5%) $265,325 (25.0%) 0.00 186
    2019-11-01 $164,400 (1.4%) $247,883 (20.4%) 0.00 188
    2019-12-01 $163,900 (2.5%) $242,439 (19.7%) 0.00 187
    2020-01-01 $171,075 (9.6%) $265,878 (24.9%) 0.00 161
    2020-02-01 $178,950 (17.4%) $268,005 (20.0%) 0.00 165
    2020-03-01 $172,700 (11.5%) $247,660 (9.8%) 0.00 166
    2020-04-01 $169,900 (9.7%) $254,407 (11.2%) 0.00 167
    2020-05-01 $189,000 (21.6%) $257,343 (15.8%) 0.00 159
    2020-06-01 $218,750 (44.0%) $276,694 (23.9%) 0.00 140
    2020-07-01 $222,200 (44.5%) $275,407 (23.0%) 0.00 134
    2020-08-01 $215,000 (31.1%) $264,241 (10.5%) 0.00 115
    2020-09-01 $172,475 (1.4%) $251,175 (-0.8%) 0.00 115
    2020-10-01 $154,900 (-11.0%) $265,597 (0.1%) 0.00 122
    2020-11-01 $135,725 (-17.4%) $229,403 (-7.5%) 0.00 108
    2020-12-01 $139,450 (-14.9%) $215,214 (-11.2%) 0.00 117
    2021-01-01 $132,000 (-22.8%) $211,806 (-20.3%) 0.00 109
    2021-02-01 $143,975 (-19.5%) $211,804 (-21.0%) 0.00 114
    2021-03-01 $145,000 (-16.0%) $227,191 (-8.3%) 0.00 101
    2021-04-01 $134,900 (-20.6%) $219,549 (-13.7%) 0.00 118
    2021-05-01 $165,000 (-12.7%) $245,288 (-4.7%) 0.00 117
    2021-06-01 $179,725 (-17.8%) $283,987 (2.6%) 0.00 127
    2021-07-01 $178,500 (-19.7%) $290,769 (5.6%) 0.00 116
    2021-08-01 $186,750 (-13.1%) $312,057 (18.1%) 0.00 112
    2021-09-01 $189,375 (9.8%) $368,517 (46.7%) 0.00 107
    2021-10-01 $185,000 (19.4%) $357,071 (34.4%) 0.00 117
    2021-11-01 $169,000 (24.5%) $391,103 (70.5%) 0.00 107
    2021-12-01 $185,100 (32.7%) $436,233 (102.7%) 0.00 83
    2022-01-01 $160,000 (21.2%) $411,325 (94.2%) 0.00 82
    2022-02-01 $159,500 (10.8%) $439,516 (107.5%) 0.00 80
    2022-03-01 $207,875 (43.4%) $492,365 (116.7%) 0.00 72
    2022-04-01 $168,000 (24.5%) $396,883 (80.8%) 0.00 75
    2022-05-01 $189,500 (14.9%) $347,790 (41.8%) 0.00 75
    2022-06-01 $196,625 (9.4%) $336,953 (18.7%) 0.00 92
    2022-07-01 $199,000 (11.5%) $345,555 (18.8%) 0.00 97
    2022-08-01 $189,500 (1.5%) $292,362 (-6.3%) 0.00 114
    2022-09-01 $189,000 (-0.2%) $311,447 (-15.5%) 0.00 114
    2022-10-01 $196,500 (6.2%) $287,388 (-19.5%) 0.00 124
    2022-11-01 $199,900 (18.3%) $259,714 (-33.6%) 0.00 133
    2022-12-01 $214,900 (16.1%) $272,511 (-37.5%) 0.00 130
    2023-01-01 $209,450 (30.9%) $291,371 (-29.2%) 0.00 109
    2023-02-01 $174,500 (9.4%) $313,670 (-28.6%) 0.00 106
    2023-03-01 $205,750 (-1.0%) $325,484 (-33.9%) 0.00 111
    2023-04-01 $229,450 (36.6%) $338,071 (-14.8%) 0.00 105
    2023-05-01 $222,725 (17.5%) $351,318 (1.0%) 0.00 100
    2023-06-01 $247,500 (25.9%) $368,508 (9.4%) 0.00 104
    2023-07-01 $234,000 (17.6%) $361,603 (4.6%) 0.00 99
    2023-08-01 $236,000 (24.5%) $335,959 (14.9%) 0.00 125
    2023-09-01 $230,000 (21.7%) $334,652 (7.5%) 0.00 145
    2023-10-01 $217,875 (10.9%) $332,143 (15.6%) 0.00 156
    2023-11-01 $212,375 (6.2%) $316,725 (22.0%) 0.00 154
    2023-12-01 $219,900 (2.3%) $330,925 (21.4%) 0.00 156
    2024-01-01 $218,675 (4.4%) $320,814 (10.1%) 0.00 166
    2024-02-01 $206,950 (18.6%) $312,753 (-0.3%) 0.00 167
    2024-03-01 $199,000 (-3.3%) $305,432 (-6.2%) 0.00 166
    2024-04-01 $225,000 (-1.9%) $306,525 (-9.3%) 0.00 179
    2024-05-01 $223,100 (0.2%) $302,975 (-13.8%) 0.00 207
    2024-06-01 $214,900 (-13.2%) $296,272 (-19.6%) 0.00 223
    2024-07-01 $212,950 (-9.0%) $301,387 (-16.7%) 0.00 241
    2024-08-01 $227,500 (-3.6%) $299,755 (-10.8%) 0.00 238
    2024-09-01 $229,875 (-0.1%) $292,738 (-12.5%) 0.00 255
    2024-10-01 $235,308 (8.0%) $291,874 (-12.1%) 0.00 232
    2024-11-01 $230,000 (8.3%) $276,784 (-12.6%) 0.00 228
    2024-12-01 $236,950 (7.8%) $292,625 (-11.6%) 0.00 213
    2025-01-01 $245,000 (12.0%) $302,230 (-5.8%) 0.00 196
    Ardmore's median listing price for 2025-01-01 was $245,000, a difference of $26,325 (12.0%) versus the prior year and $8,050 versus the prior month.

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

    Ardmore's average listing price for 2025-01-01 was $302,230, a difference of $-18,584 (-5.8%) versus the prior year and $9,605 versus the prior month.

    For the 2025-01-01 period, Ardmore had 196 MLS listings, a difference of -17 listings (-8%) versus the prior month and 30 listings (18%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ardmore (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,797 sqft
    2018-02-01 0 days 1,790 sqft
    2018-03-01 0 days 1,810 sqft
    2018-04-01 0 days 1,861 sqft
    2018-05-01 0 days 1,814 sqft
    2018-06-01 0 days 1,849 sqft
    2018-07-01 0 days 1,876 sqft
    2018-08-01 0 days 1,874 sqft
    2018-09-01 0 days 1,856 sqft
    2018-10-01 0 days 1,806 sqft
    2018-11-01 0 days 1,759 sqft
    2018-12-01 0 days 1,748 sqft
    2019-01-01 0 days 1,752 sqft
    2019-02-01 0 days 1,770 sqft
    2019-03-01 0 days 1,757 sqft
    2019-04-01 0 days 1,745 sqft
    2019-05-01 0 days 1,745 sqft
    2019-06-01 0 days 1,745 sqft
    2019-07-01 0 days 1,782 sqft
    2019-08-01 0 days 1,811 sqft
    2019-09-01 0 days 1,829 sqft
    2019-10-01 0 days 1,864 sqft
    2019-11-01 0 days 1,816 sqft
    2019-12-01 0 days 1,740 sqft
    2020-01-01 0 days 1,765 sqft
    2020-02-01 0 days 1,912 sqft
    2020-03-01 0 days 1,832 sqft
    2020-04-01 0 days 1,934 sqft
    2020-05-01 0 days 2,003 sqft
    2020-06-01 0 days 2,061 sqft
    2020-07-01 0 days 2,095 sqft
    2020-08-01 0 days 2,064 sqft
    2020-09-01 0 days 1,725 sqft
    2020-10-01 0 days 1,725 sqft
    2020-11-01 0 days 1,569 sqft
    2020-12-01 0 days 1,611 sqft
    2021-01-01 0 days 1,616 sqft
    2021-02-01 0 days 1,588 sqft
    2021-03-01 0 days 1,617 sqft
    2021-04-01 0 days 1,587 sqft
    2021-05-01 0 days 1,685 sqft
    2021-06-01 0 days 1,756 sqft
    2021-07-01 0 days 1,732 sqft
    2021-08-01 0 days 1,804 sqft
    2021-09-01 0 days 1,789 sqft
    2021-10-01 0 days 1,779 sqft
    2021-11-01 0 days 1,728 sqft
    2021-12-01 0 days 1,789 sqft
    2022-01-01 0 days 1,728 sqft
    2022-02-01 0 days 1,660 sqft
    2022-03-01 0 days 1,822 sqft
    2022-04-01 0 days 1,805 sqft
    2022-05-01 0 days 1,682 sqft
    2022-06-01 0 days 1,614 sqft
    2022-07-01 0 days 1,620 sqft
    2022-08-01 0 days 1,602 sqft
    2022-09-01 0 days 1,660 sqft
    2022-10-01 0 days 1,647 sqft
    2022-11-01 0 days 1,647 sqft
    2022-12-01 0 days 1,736 sqft
    2023-01-01 0 days 1,703 sqft
    2023-02-01 0 days 1,599 sqft
    2023-03-01 0 days 1,658 sqft
    2023-04-01 0 days 1,667 sqft
    2023-05-01 0 days 1,699 sqft
    2023-06-01 0 days 1,692 sqft
    2023-07-01 0 days 1,692 sqft
    2023-08-01 0 days 1,743 sqft
    2023-09-01 0 days 1,767 sqft
    2023-10-01 0 days 1,592 sqft
    2023-11-01 0 days 1,634 sqft
    2023-12-01 0 days 1,736 sqft
    2024-01-01 0 days 1,646 sqft
    2024-02-01 0 days 1,608 sqft
    2024-03-01 0 days 1,632 sqft
    2024-04-01 0 days 1,692 sqft
    2024-05-01 0 days 1,726 sqft
    2024-06-01 0 days 1,704 sqft
    2024-07-01 0 days 1,714 sqft
    2024-08-01 0 days 1,721 sqft
    2024-09-01 0 days 1,675 sqft
    2024-10-01 0 days 1,738 sqft
    2024-11-01 0 days 1,724 sqft
    2024-12-01 0 days 1,801 sqft
    2025-01-01 0 days 1,835 sqft
    Ardmore's median listing age (time on market) for 2025-01-01 was 0 days.

    Ardmore's median square footage for active listings during the 2025-01-01 period was 1,835 sqft. One year prior, the average listing was 1,646 sqft.