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%.

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
Atchison's median listing price for 2024-10-01 was $193,875, a difference of $41,775 (27.5%) versus the prior year and $1,625 versus the prior month.

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. 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
Atchison's median listing age (time on market) for 2024-10-01 was 0 days.

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.