Atchison USDA Loan Rates, Closing Costs & Stats
Atchison, KS
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
-0.2%
for the week of 2024-11-29, compared to the national average (all USDA variants) of
0% for the same period.
Atchison's average USDA mortgage closing costs are $3,849.
The average rate for the prior week (2024-11-22) was
6.4% and
one month ago for the week of 2024-10-25, the
average rate was 6.2%.
The average rate one year ago was 7.3%.
For refis of the same type during the week of 2024-11-29, the average rate
was -0.2%.
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. LouisDate | 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 |
Atchison's median listing price comes in at 0% of the national average.
Atchison's average listing price for 2024-10-01 was $228,679, a difference of $61,011 (36.4%) versus the prior year and $11,000 versus the prior month.
For the 2024-10-01 period, Atchison had 41 MLS listings, a difference of 0 listings (0%) versus the prior month and 2 listings (5%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Atchison (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | 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 |
Atchison's median square footage for active listings during the 2024-10-01 period was 1,770 sqft. One year prior, the average listing was 1,532 sqft.