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 0.24% for the week of 2024-11-29, compared to the national average (all USDA variants) of 0% for the same period.

Bartlesville's average USDA mortgage closing costs are $5,555.

The average rate for the prior week (2024-11-22) was 6.74% and one month ago for the week of 2024-10-25, the average rate was 6.34%.

The average rate one year ago was 6.94%.

For refis of the same type during the week of 2024-11-29, the average rate was 0.1%.

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

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
2024-04-01 $226,875 (-5.5%) $253,196 (-3.4%) 0.00 79
2024-05-01 $233,375 (-13.5%) $271,558 (-2.8%) 0.00 93
2024-06-01 $212,450 (-20.5%) $274,926 (-4.8%) 0.00 95
2024-07-01 $224,900 (-13.3%) $285,189 (-3.6%) 0.00 103
2024-08-01 $219,900 (-12.5%) $285,755 (3.3%) 0.00 104
2024-09-01 $227,000 (-5.3%) $284,985 (2.6%) 0.00 110
2024-10-01 $231,725 (-2.2%) $271,789 (-3.6%) 0.00 113
Bartlesville's median listing price for 2024-10-01 was $231,725, a difference of $-5,275 (-2.2%) versus the prior year and $4,725 versus the prior month.

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

Bartlesville's average listing price for 2024-10-01 was $271,789, a difference of $-10,031 (-3.6%) versus the prior year and $-13,196 versus the prior month.

For the 2024-10-01 period, Bartlesville had 113 MLS listings, a difference of 3 listings (3%) versus the prior month and 8 listings (8%) 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
2024-04-01 0 days 1,820 sqft
2024-05-01 0 days 1,857 sqft
2024-06-01 0 days 1,780 sqft
2024-07-01 0 days 1,809 sqft
2024-08-01 0 days 1,860 sqft
2024-09-01 0 days 1,915 sqft
2024-10-01 0 days 1,947 sqft
Bartlesville's median listing age (time on market) for 2024-10-01 was 0 days.

Bartlesville's median square footage for active listings during the 2024-10-01 period was 1,947 sqft. One year prior, the average listing was 1,870 sqft.