Bartlesville USDA Loan Rates, Closing Costs & Stats
Bartlesville, OK
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.
Bartlesville's 6 lenders originated 13 USDA loans during 2023. The total origination value was $1,575,000, with an average USDA loan value of $121,154.
Bartlesville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Bartlesville
averaged
7.1%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Bartlesville's average USDA mortgage closing costs are $5,555.
The average rate for the prior week (2024-04-12) was
6.85% and
one month ago for the week of 2024-03-15, the
average rate was 6.74%.
The average rate one year ago was 6.38%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.66%.
Bartlesville 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 Bartlesville level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| OPEN MORTGAGE, LLC | 5 | 6.13% | $6,623 |
| United Fidelity Funding Corp. | 4 | 7.28% | $6,809 |
| Arvest Bank | 1 | 7.00% | $5,038 |
| Chickasaw Community Bank | 1 | 6.88% | $4,784 |
| Stride Bank | 1 | 6.50% | $7,476 |
| The Central Trust Bank | 1 | 6.49% | $7,053 |
The top Bartlesville USDA lender as defined by loan originations is OPEN MORTGAGE, LLC, with
5 USDA loans originated. Their average total fees are
$6,623, which is $186
lower than the next largest lender,
United Fidelity Funding Corp..
The lowest fee Bartlesville USDA lenders (with over 10 loans originated) are
.
The lowest rate Bartlesville USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Bartlesville (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 | $123,975 (-2.7%) | $156,452 (0.2%) | 0.00 | 227 |
| 2018-02-01 | $119,700 (-6.8%) | $150,606 (-2.2%) | 0.00 | 221 |
| 2018-03-01 | $124,000 (-0.8%) | $159,397 (5.1%) | 0.00 | 223 |
| 2018-04-01 | $133,500 (3.5%) | $164,516 (4.0%) | 0.00 | 241 |
| 2018-05-01 | $138,250 (4.0%) | $174,481 (3.4%) | 0.00 | 252 |
| 2018-06-01 | $134,450 (2.0%) | $171,389 (0.4%) | 0.00 | 273 |
| 2018-07-01 | $136,000 (0.7%) | $170,367 (-0.8%) | 0.00 | 288 |
| 2018-08-01 | $136,000 (0.6%) | $169,197 (-0.9%) | 0.00 | 302 |
| 2018-09-01 | $134,999 (0.0%) | $171,453 (1.7%) | 0.00 | 313 |
| 2018-10-01 | $131,850 (-1.7%) | $169,835 (1.2%) | 0.00 | 297 |
| 2018-11-01 | $129,900 (0.5%) | $167,768 (2.0%) | 0.00 | 288 |
| 2018-12-01 | $135,000 (12.6%) | $171,332 (10.7%) | 0.00 | 255 |
| 2019-01-01 | $133,500 (7.7%) | $171,751 (9.8%) | 0.00 | 242 |
| 2019-02-01 | $131,500 (9.9%) | $169,307 (12.4%) | 0.00 | 224 |
| 2019-03-01 | $135,100 (9.0%) | $172,133 (8.0%) | 0.00 | 214 |
| 2019-04-01 | $139,300 (4.3%) | $176,582 (7.3%) | 0.00 | 222 |
| 2019-05-01 | $135,750 (-1.8%) | $174,135 (-0.2%) | 0.00 | 240 |
| 2019-06-01 | $131,000 (-2.6%) | $168,075 (-1.9%) | 0.00 | 233 |
| 2019-07-01 | $127,125 (-6.5%) | $165,061 (-3.1%) | 0.00 | 228 |
| 2019-08-01 | $127,532 (-6.2%) | $166,044 (-1.9%) | 0.00 | 216 |
| 2019-09-01 | $126,080 (-6.6%) | $165,563 (-3.4%) | 0.00 | 199 |
| 2019-10-01 | $128,736 (-2.4%) | $165,926 (-2.3%) | 0.00 | 188 |
| 2019-11-01 | $146,500 (12.8%) | $174,282 (3.9%) | 0.00 | 181 |
| 2019-12-01 | $148,975 (10.4%) | $177,015 (3.3%) | 0.00 | 171 |
| 2020-01-01 | $136,000 (1.9%) | $175,228 (2.0%) | 0.00 | 164 |
| 2020-02-01 | $140,950 (7.2%) | $177,855 (5.1%) | 0.00 | 151 |
| 2020-03-01 | $157,825 (16.8%) | $180,106 (4.6%) | 0.00 | 152 |
| 2020-04-01 | $148,100 (6.3%) | $178,694 (1.2%) | 0.00 | 157 |
| 2020-05-01 | $149,900 (10.4%) | $177,152 (1.7%) | 0.00 | 134 |
| 2020-06-01 | $154,950 (18.3%) | $178,643 (6.3%) | 0.00 | 129 |
| 2020-07-01 | $146,175 (15.0%) | $176,567 (7.0%) | 0.00 | 119 |
| 2020-08-01 | $148,250 (16.3%) | $176,176 (6.1%) | 0.00 | 106 |
| 2020-09-01 | $138,900 (10.2%) | $181,196 (9.4%) | 0.00 | 86 |
| 2020-10-01 | $132,500 (2.9%) | $196,022 (18.1%) | 0.00 | 84 |
| 2020-11-01 | $130,475 (-10.9%) | $177,791 (2.0%) | 0.00 | 75 |
| 2020-12-01 | $138,500 (-7.0%) | $187,145 (5.7%) | 0.00 | 67 |
| 2021-01-01 | $138,500 (1.8%) | $172,431 (-1.6%) | 0.00 | 54 |
| 2021-02-01 | $154,250 (9.4%) | $178,086 (0.1%) | 0.00 | 47 |
| 2021-03-01 | $139,700 (-11.5%) | $172,850 (-4.0%) | 0.00 | 51 |
| 2021-04-01 | $137,000 (-7.5%) | $184,514 (3.3%) | 0.00 | 48 |
| 2021-05-01 | $153,700 (2.5%) | $206,870 (16.8%) | 0.00 | 60 |
| 2021-06-01 | $142,400 (-8.1%) | $217,288 (21.6%) | 0.00 | 61 |
| 2021-07-01 | $164,900 (12.8%) | $216,886 (22.8%) | 0.00 | 72 |
| 2021-08-01 | $155,000 (4.6%) | $199,815 (13.4%) | 0.00 | 86 |
| 2021-09-01 | $151,250 (8.9%) | $207,698 (14.6%) | 0.00 | 86 |
| 2021-10-01 | $147,678 (11.5%) | $191,316 (-2.4%) | 0.00 | 87 |
| 2021-11-01 | $147,703 (13.2%) | $197,537 (11.1%) | 0.00 | 93 |
| 2021-12-01 | $145,455 (5.0%) | $183,606 (-1.9%) | 0.00 | 86 |
| 2022-01-01 | $189,450 (36.8%) | $1,286,872 (646.3%) | 0.00 | 76 |
| 2022-02-01 | $194,000 (25.8%) | $298,694 (67.7%) | 0.00 | 59 |
| 2022-03-01 | $193,700 (38.7%) | $207,948 (20.3%) | 0.00 | 47 |
| 2022-04-01 | $199,000 (45.3%) | $214,635 (16.3%) | 0.00 | 60 |
| 2022-05-01 | $229,243 (49.2%) | $223,085 (7.8%) | 0.00 | 65 |
| 2022-06-01 | $200,975 (41.1%) | $212,833 (-2.1%) | 0.00 | 70 |
| 2022-07-01 | $188,500 (14.3%) | $207,481 (-4.3%) | 0.00 | 89 |
| 2022-08-01 | $189,000 (21.9%) | $226,117 (13.2%) | 0.00 | 92 |
| 2022-09-01 | $178,000 (17.7%) | $231,135 (11.3%) | 0.00 | 97 |
| 2022-10-01 | $184,500 (24.9%) | $223,626 (16.9%) | 0.00 | 105 |
| 2022-11-01 | $164,450 (11.3%) | $228,718 (15.8%) | 0.00 | 100 |
| 2022-12-01 | $199,000 (36.8%) | $241,393 (31.5%) | 0.00 | 92 |
| 2023-01-01 | $187,000 (-1.3%) | $226,132 (-82.4%) | 0.00 | 90 |
| 2023-02-01 | $180,225 (-7.1%) | $219,836 (-26.4%) | 0.00 | 68 |
| 2023-03-01 | $206,350 (6.5%) | $228,877 (10.1%) | 0.00 | 71 |
| 2023-04-01 | $239,995 (20.6%) | $262,187 (22.2%) | 0.00 | 71 |
| 2023-05-01 | $269,750 (17.7%) | $279,286 (25.2%) | 0.00 | 79 |
| 2023-06-01 | $267,225 (33.0%) | $288,857 (35.7%) | 0.00 | 82 |
| 2023-07-01 | $259,500 (37.7%) | $295,897 (42.6%) | 0.00 | 88 |
| 2023-08-01 | $251,200 (32.9%) | $276,685 (22.4%) | 0.00 | 96 |
| 2023-09-01 | $239,750 (34.7%) | $277,657 (20.1%) | 0.00 | 98 |
| 2023-10-01 | $237,000 (28.5%) | $281,820 (26.0%) | 0.00 | 105 |
| 2023-11-01 | $239,000 (45.3%) | $289,231 (26.5%) | 0.00 | 105 |
| 2023-12-01 | $219,900 (10.5%) | $269,204 (11.5%) | 0.00 | 98 |
| 2024-01-01 | $225,000 (20.3%) | $260,797 (15.3%) | 0.00 | 98 |
| 2024-02-01 | $231,500 (28.5%) | $266,082 (21.0%) | 0.00 | 86 |
| 2024-03-01 | $225,000 (9.0%) | $248,320 (8.5%) | 0.00 | 68 |
Bartlesville's median listing price comes in at 0% of the national average.
Bartlesville's average listing price for 2024-03-01 was $248,320, a difference of $19,443 (8.5%) versus the prior year and $-17,762 versus the prior month.
For the 2024-03-01 period, Bartlesville had 68 MLS listings, a difference of -18 listings (-21%) versus the prior month and -3 listings (-4%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Bartlesville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,852 sqft |
| 2018-02-01 | 0 days | 1,825 sqft |
| 2018-03-01 | 0 days | 1,875 sqft |
| 2018-04-01 | 0 days | 1,987 sqft |
| 2018-05-01 | 0 days | 2,024 sqft |
| 2018-06-01 | 0 days | 1,945 sqft |
| 2018-07-01 | 0 days | 2,000 sqft |
| 2018-08-01 | 0 days | 2,006 sqft |
| 2018-09-01 | 0 days | 2,018 sqft |
| 2018-10-01 | 0 days | 2,006 sqft |
| 2018-11-01 | 0 days | 1,970 sqft |
| 2018-12-01 | 0 days | 1,988 sqft |
| 2019-01-01 | 0 days | 2,032 sqft |
| 2019-02-01 | 0 days | 2,049 sqft |
| 2019-03-01 | 0 days | 2,029 sqft |
| 2019-04-01 | 0 days | 1,998 sqft |
| 2019-05-01 | 0 days | 1,932 sqft |
| 2019-06-01 | 0 days | 1,882 sqft |
| 2019-07-01 | 0 days | 1,871 sqft |
| 2019-08-01 | 0 days | 1,914 sqft |
| 2019-09-01 | 0 days | 1,909 sqft |
| 2019-10-01 | 0 days | 1,906 sqft |
| 2019-11-01 | 0 days | 1,997 sqft |
| 2019-12-01 | 0 days | 2,003 sqft |
| 2020-01-01 | 0 days | 1,920 sqft |
| 2020-02-01 | 0 days | 1,921 sqft |
| 2020-03-01 | 0 days | 1,983 sqft |
| 2020-04-01 | 0 days | 1,922 sqft |
| 2020-05-01 | 0 days | 2,040 sqft |
| 2020-06-01 | 0 days | 2,010 sqft |
| 2020-07-01 | 0 days | 2,068 sqft |
| 2020-08-01 | 0 days | 2,043 sqft |
| 2020-09-01 | 0 days | 1,913 sqft |
| 2020-10-01 | 0 days | 1,905 sqft |
| 2020-11-01 | 0 days | 1,775 sqft |
| 2020-12-01 | 0 days | 1,889 sqft |
| 2021-01-01 | 0 days | 1,833 sqft |
| 2021-02-01 | 0 days | 1,995 sqft |
| 2021-03-01 | 0 days | 1,863 sqft |
| 2021-04-01 | 0 days | 1,765 sqft |
| 2021-05-01 | 0 days | 1,868 sqft |
| 2021-06-01 | 0 days | 1,828 sqft |
| 2021-07-01 | 0 days | 1,889 sqft |
| 2021-08-01 | 0 days | 1,784 sqft |
| 2021-09-01 | 0 days | 1,790 sqft |
| 2021-10-01 | 0 days | 1,768 sqft |
| 2021-11-01 | 0 days | 1,705 sqft |
| 2021-12-01 | 0 days | 1,684 sqft |
| 2022-01-01 | 0 days | 1,750 sqft |
| 2022-02-01 | 0 days | 1,810 sqft |
| 2022-03-01 | 0 days | 1,781 sqft |
| 2022-04-01 | 0 days | 1,750 sqft |
| 2022-05-01 | 0 days | 1,813 sqft |
| 2022-06-01 | 0 days | 1,807 sqft |
| 2022-07-01 | 0 days | 1,822 sqft |
| 2022-08-01 | 0 days | 1,891 sqft |
| 2022-09-01 | 0 days | 1,930 sqft |
| 2022-10-01 | 0 days | 1,885 sqft |
| 2022-11-01 | 0 days | 1,764 sqft |
| 2022-12-01 | 0 days | 1,908 sqft |
| 2023-01-01 | 0 days | 1,815 sqft |
| 2023-02-01 | 0 days | 1,799 sqft |
| 2023-03-01 | 0 days | 1,903 sqft |
| 2023-04-01 | 0 days | 2,072 sqft |
| 2023-05-01 | 0 days | 2,113 sqft |
| 2023-06-01 | 0 days | 2,144 sqft |
| 2023-07-01 | 0 days | 2,111 sqft |
| 2023-08-01 | 0 days | 1,997 sqft |
| 2023-09-01 | 0 days | 1,869 sqft |
| 2023-10-01 | 0 days | 1,870 sqft |
| 2023-11-01 | 0 days | 1,924 sqft |
| 2023-12-01 | 0 days | 1,894 sqft |
| 2024-01-01 | 0 days | 1,878 sqft |
| 2024-02-01 | 0 days | 1,868 sqft |
| 2024-03-01 | 0 days | 1,816 sqft |
Bartlesville's median square footage for active listings during the 2024-03-01 period was 1,816 sqft. One year prior, the average listing was 1,903 sqft.