Atchison USDA Loan Rates, Closing Costs & Stats

Atchison, KS

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Atchison's 7 lenders originated 9 USDA loans during 2023. The total origination value was $1,315,000, with an average USDA loan value of $146,111.

    Atchison USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Atchison averaged 6.2% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Atchison's average USDA mortgage closing costs are $3,849.

    The average rate for the prior week (2024-12-06) was 6.14% and one month ago for the week of 2024-11-08, the average rate was 6.25%.

    The average rate one year ago was 6.82%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.1%.

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

    Atchison 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 Atchison level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    ENDEAVOR CAPITAL, LLC. 2 5.31% $5,728
    CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $6,971
    CALIBER HOME LOANS, INC. 1 6.25% $5,547
    Plains Commerce Bank 1 6.13% $4,926
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.63% $5,174
    UNION HOME MORTGAGE CORP. 1 6.13% $5,755
    MORIA DEVELOPMENT, INC. 1 6.38% $4,309

    The top Atchison USDA lender as defined by loan originations is ENDEAVOR CAPITAL, LLC., with 2 USDA loans originated. Their average total fees are $5,728, which is $1,243 lower than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Atchison (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 $72,975 (-18.3%) $104,620 (0.0%) 0.00 56
    2018-02-01 $78,850 (-23.6%) $109,022 (-2.2%) 0.00 55
    2018-03-01 $78,500 (-21.7%) $107,965 (3.3%) 0.00 63
    2018-04-01 $85,000 (-14.9%) $120,468 (12.0%) 0.00 68
    2018-05-01 $99,963 (0.1%) $132,525 (17.2%) 0.00 62
    2018-06-01 $94,000 (-3.3%) $119,080 (1.1%) 0.00 65
    2018-07-01 $93,250 (-6.3%) $118,147 (-2.8%) 0.00 70
    2018-08-01 $96,250 (1.3%) $129,269 (12.3%) 0.00 67
    2018-09-01 $109,500 (15.3%) $135,347 (18.1%) 0.00 58
    2018-10-01 $105,750 (27.0%) $132,881 (22.8%) 0.00 56
    2018-11-01 $92,970 (20.4%) $133,034 (23.3%) 0.00 53
    2018-12-01 $89,400 (22.5%) $138,495 (38.9%) 0.00 46
    2019-01-01 $88,750 (21.6%) $139,929 (33.8%) 0.00 42
    2019-02-01 $69,700 (-11.6%) $122,153 (12.0%) 0.00 34
    2019-03-01 $70,143 (-10.7%) $118,416 (9.7%) 0.00 37
    2019-04-01 $76,500 (-10.0%) $118,958 (-1.3%) 0.00 45
    2019-05-01 $78,000 (-22.0%) $110,798 (-16.4%) 0.00 51
    2019-06-01 $89,900 (-4.4%) $113,514 (-4.7%) 0.00 46
    2019-07-01 $92,750 (-0.5%) $135,200 (14.4%) 0.00 38
    2019-08-01 $91,818 (-4.6%) $141,387 (9.4%) 0.00 36
    2019-09-01 $91,920 (-16.1%) $150,925 (11.5%) 0.00 37
    2019-10-01 $87,939 (-16.8%) $156,893 (18.1%) 0.00 35
    2019-11-01 $72,000 (-22.6%) $133,133 (0.1%) 0.00 35
    2019-12-01 $76,200 (-14.8%) $137,947 (-0.4%) 0.00 36
    2020-01-01 $71,375 (-19.6%) $131,631 (-5.9%) 0.00 33
    2020-02-01 $86,450 (24.0%) $141,503 (15.8%) 0.00 34
    2020-03-01 $75,750 (8.0%) $132,594 (12.0%) 0.00 34
    2020-04-01 $83,875 (9.6%) $141,657 (19.1%) 0.00 33
    2020-05-01 $119,500 (53.2%) $155,358 (40.2%) 0.00 36
    2020-06-01 $124,750 (38.8%) $154,335 (36.0%) 0.00 37
    2020-07-01 $118,000 (27.2%) $141,591 (4.7%) 0.00 37
    2020-08-01 $117,500 (28.0%) $144,300 (2.1%) 0.00 24
    2020-09-01 $127,500 (38.7%) $171,110 (13.4%) 0.00 22
    2020-10-01 $117,500 (33.6%) $170,129 (8.4%) 0.00 19
    2020-11-01 $114,950 (59.7%) $171,143 (28.6%) 0.00 26
    2020-12-01 $114,175 (49.8%) $156,655 (13.6%) 0.00 27
    2021-01-01 $101,950 (42.8%) $174,212 (32.4%) 0.00 23
    2021-02-01 $100,475 (16.2%) $180,248 (27.4%) 0.00 15
    2021-03-01 $103,450 (36.6%) $143,668 (8.4%) 0.00 15
    2021-04-01 $91,950 (9.6%) $195,091 (37.7%) 0.00 11
    2021-05-01 $122,750 (2.7%) $199,274 (28.3%) 0.00 15
    2021-06-01 $140,000 (12.2%) $203,172 (31.6%) 0.00 23
    2021-07-01 $135,000 (14.4%) $228,822 (61.6%) 0.00 26
    2021-08-01 $126,125 (7.3%) $206,746 (43.3%) 0.00 32
    2021-09-01 $128,549 (0.8%) $234,687 (37.2%) 0.00 31
    2021-10-01 $119,900 (2.0%) $216,337 (27.2%) 0.00 27
    2021-11-01 $107,375 (-6.6%) $201,075 (17.5%) 0.00 25
    2021-12-01 $94,450 (-17.3%) $165,833 (5.9%) 0.00 24
    2022-01-01 $88,950 (-12.8%) $158,385 (-9.1%) 0.00 21
    2022-02-01 $92,500 (-7.9%) $148,875 (-17.4%) 0.00 19
    2022-03-01 $97,500 (-5.8%) $169,857 (18.2%) 0.00 17
    2022-04-01 $134,950 (46.8%) $151,290 (-22.5%) 0.00 14
    2022-05-01 $136,500 (11.2%) $206,120 (3.4%) 0.00 15
    2022-06-01 $134,375 (-4.0%) $201,299 (-0.9%) 0.00 17
    2022-07-01 $135,000 (0.0%) $194,177 (-15.1%) 0.00 20
    2022-08-01 $135,000 (7.0%) $177,341 (-14.2%) 0.00 21
    2022-09-01 $123,750 (-3.7%) $190,487 (-18.8%) 0.00 21
    2022-10-01 $127,000 (5.9%) $145,143 (-32.9%) 0.00 21
    2022-11-01 $125,500 (16.9%) $145,523 (-27.6%) 0.00 25
    2022-12-01 $122,450 (29.7%) $147,205 (-11.2%) 0.00 17
    2023-01-01 $116,150 (30.6%) $128,920 (-18.6%) 0.00 18
    2023-02-01 $110,625 (19.6%) $131,959 (-11.4%) 0.00 15
    2023-03-01 $120,000 (23.1%) $132,296 (-22.1%) 0.00 17
    2023-04-01 $120,000 (-11.1%) $150,899 (-0.3%) 0.00 16
    2023-05-01 $120,000 (-12.1%) $138,887 (-32.6%) 0.00 19
    2023-06-01 $129,500 (-3.6%) $159,947 (-20.5%) 0.00 21
    2023-07-01 $165,000 (22.2%) $168,648 (-13.2%) 0.00 29
    2023-08-01 $165,000 (22.2%) $184,542 (4.1%) 0.00 21
    2023-09-01 $165,000 (33.3%) $164,624 (-13.6%) 0.00 34
    2023-10-01 $152,100 (19.8%) $167,668 (15.5%) 0.00 39
    2023-11-01 $147,750 (17.7%) $172,649 (18.6%) 0.00 38
    2023-12-01 $143,375 (17.1%) $171,526 (16.5%) 0.00 30
    2024-01-01 $140,638 (21.1%) $164,680 (27.7%) 0.00 26
    2024-02-01 $138,938 (25.6%) $157,855 (19.6%) 0.00 24
    2024-03-01 $145,000 (20.8%) $171,881 (29.9%) 0.00 24
    2024-04-01 $146,875 (22.4%) $196,549 (30.3%) 0.00 24
    2024-05-01 $157,125 (30.9%) $213,901 (54.0%) 0.00 29
    2024-06-01 $184,500 (42.5%) $232,346 (45.3%) 0.00 28
    2024-07-01 $235,625 (42.8%) $247,642 (46.8%) 0.00 35
    2024-08-01 $212,450 (28.8%) $224,554 (21.7%) 0.00 41
    2024-09-01 $192,250 (16.5%) $217,679 (32.2%) 0.00 41
    2024-10-01 $193,875 (27.5%) $228,679 (36.4%) 0.00 41
    2024-11-01 $199,000 (34.7%) $220,106 (27.5%) 0.00 35
    Atchison's median listing price for 2024-11-01 was $199,000, a difference of $51,250 (34.7%) versus the prior year and $5,125 versus the prior month.

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

    Atchison's average listing price for 2024-11-01 was $220,106, a difference of $47,457 (27.5%) versus the prior year and $-8,573 versus the prior month.

    For the 2024-11-01 period, Atchison had 35 MLS listings, a difference of -6 listings (-15%) versus the prior month and -3 listings (-8%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Atchison (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,526 sqft
    2018-02-01 0 days 1,556 sqft
    2018-03-01 0 days 1,564 sqft
    2018-04-01 0 days 1,622 sqft
    2018-05-01 0 days 1,712 sqft
    2018-06-01 0 days 1,723 sqft
    2018-07-01 0 days 1,784 sqft
    2018-08-01 0 days 1,821 sqft
    2018-09-01 0 days 1,932 sqft
    2018-10-01 0 days 1,931 sqft
    2018-11-01 0 days 1,684 sqft
    2018-12-01 0 days 1,656 sqft
    2019-01-01 0 days 1,668 sqft
    2019-02-01 0 days 1,336 sqft
    2019-03-01 0 days 1,391 sqft
    2019-04-01 0 days 1,473 sqft
    2019-05-01 0 days 1,456 sqft
    2019-06-01 0 days 1,461 sqft
    2019-07-01 0 days 1,582 sqft
    2019-08-01 0 days 1,624 sqft
    2019-09-01 0 days 1,686 sqft
    2019-10-01 0 days 1,658 sqft
    2019-11-01 0 days 1,591 sqft
    2019-12-01 0 days 1,372 sqft
    2020-01-01 0 days 1,267 sqft
    2020-02-01 0 days 1,459 sqft
    2020-03-01 0 days 1,495 sqft
    2020-04-01 0 days 1,469 sqft
    2020-05-01 0 days 1,692 sqft
    2020-06-01 0 days 2,043 sqft
    2020-07-01 0 days 1,984 sqft
    2020-08-01 0 days 2,016 sqft
    2020-09-01 0 days 2,027 sqft
    2020-10-01 0 days 2,079 sqft
    2020-11-01 0 days 1,872 sqft
    2020-12-01 0 days 1,811 sqft
    2021-01-01 0 days 1,844 sqft
    2021-02-01 0 days 1,837 sqft
    2021-03-01 0 days 1,810 sqft
    2021-04-01 0 days 1,517 sqft
    2021-05-01 0 days 1,500 sqft
    2021-06-01 0 days 1,694 sqft
    2021-07-01 0 days 1,962 sqft
    2021-08-01 0 days 1,919 sqft
    2021-09-01 0 days 1,941 sqft
    2021-10-01 0 days 1,960 sqft
    2021-11-01 0 days 1,581 sqft
    2021-12-01 0 days 1,603 sqft
    2022-01-01 0 days 1,651 sqft
    2022-02-01 0 days 1,568 sqft
    2022-03-01 0 days 1,648 sqft
    2022-04-01 0 days 1,648 sqft
    2022-05-01 0 days 1,216 sqft
    2022-06-01 0 days 1,349 sqft
    2022-07-01 0 days 1,350 sqft
    2022-08-01 0 days 1,598 sqft
    2022-09-01 0 days 1,727 sqft
    2022-10-01 0 days 1,870 sqft
    2022-11-01 0 days 1,850 sqft
    2022-12-01 0 days 1,780 sqft
    2023-01-01 0 days 1,782 sqft
    2023-02-01 0 days 1,686 sqft
    2023-03-01 0 days 1,348 sqft
    2023-04-01 0 days 1,756 sqft
    2023-05-01 0 days 1,674 sqft
    2023-06-01 0 days 1,748 sqft
    2023-07-01 0 days 1,807 sqft
    2023-08-01 0 days 1,768 sqft
    2023-09-01 0 days 1,520 sqft
    2023-10-01 0 days 1,532 sqft
    2023-11-01 0 days 1,495 sqft
    2023-12-01 0 days 1,486 sqft
    2024-01-01 0 days 1,403 sqft
    2024-02-01 0 days 1,494 sqft
    2024-03-01 0 days 1,486 sqft
    2024-04-01 0 days 1,551 sqft
    2024-05-01 0 days 1,551 sqft
    2024-06-01 0 days 1,690 sqft
    2024-07-01 0 days 1,896 sqft
    2024-08-01 0 days 1,765 sqft
    2024-09-01 0 days 1,757 sqft
    2024-10-01 0 days 1,770 sqft
    2024-11-01 0 days 1,748 sqft
    Atchison's median listing age (time on market) for 2024-11-01 was 0 days.

    Atchison's median square footage for active listings during the 2024-11-01 period was 1,748 sqft. One year prior, the average listing was 1,495 sqft.