Bartlesville USDA Loan Rates, Closing Costs & Stats

Bartlesville, OK

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    • 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 5 lenders originated 7 USDA loans during 2024. The total origination value was $825,000, with an average USDA loan value of $117,857.

    Bartlesville USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Bartlesville averaged 6.49% for the week of 2026-06-26, compared to the national average (all USDA variants) of 6.21% for the same period.

    Bartlesville's average USDA mortgage closing costs are $5,594.

    The average rate for the prior week (2026-06-19) was 6.27% and one month ago for the week of 2026-05-22, the average rate was 6.28%.

    The average rate one year ago was 6.85%.

    For refis of the same type during the week of 2026-06-26, the average rate was 6.21%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    American Mortgage Bank, LLC 3 6.08% $6,384
    Arvest Bank 1 6.88% $4,977
    DAS Acquisition Company, LLC 1 6.63% $9,475
    FLAT BRANCH MORTGAGE, INC. 1 7.13% $5,219
    S1L, Inc. 1 6.75% $5,695

    The top Bartlesville USDA lender as defined by loan originations is American Mortgage Bank, LLC, with 3 USDA loans originated. Their average total fees are $6,384, which is $1,407 higher than the next largest lender, Arvest Bank.

    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 (-2.4%) $156,452 (0.5%) 0.00 227
    2018-02-01 $119,700 (-6.8%) $150,606 (-1.9%) 0.00 221
    2018-03-01 $124,000 (-0.4%) $159,397 (5.4%) 0.00 223
    2018-04-01 $133,500 (3.5%) $164,516 (4.3%) 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 $270,500 (18.0%) $279,924 (25.5%) 0.00 78
    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 $230,825 (-14.7%) $271,596 (-3.0%) 0.00 93
    2024-06-01 $215,000 (-19.5%) $271,671 (-6.0%) 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%) $284,448 (2.5%) 0.00 108
    2024-10-01 $236,500 (-0.2%) $277,709 (-1.5%) 0.00 110
    2024-11-01 $217,500 (-9.0%) $263,629 (-8.9%) 0.00 110
    2024-12-01 $219,225 (-0.3%) $249,850 (-7.2%) 0.00 109
    2025-01-01 $219,500 (-2.4%) $250,066 (-4.1%) 0.00 115
    2025-02-01 $218,850 (-5.5%) $258,343 (-2.9%) 0.00 119
    2025-03-01 $225,000 (0.0%) $254,273 (2.4%) 0.00 113
    2025-04-01 $235,375 (3.8%) $266,752 (5.4%) 0.00 107
    2025-05-01 $250,000 (8.3%) $275,297 (1.4%) 0.00 107
    2025-06-01 $246,055 (14.4%) $279,321 (2.8%) 0.00 132
    2025-07-01 $249,675 (11.0%) $289,318 (1.5%) 0.00 152
    2025-08-01 $249,900 (13.6%) $281,073 (-1.6%) 0.00 176
    2025-09-01 $244,900 (7.9%) $279,680 (-1.7%) 0.00 182
    2025-10-01 $237,450 (0.4%) $311,255 (12.1%) 0.00 184
    2025-11-01 $240,000 (10.3%) $308,110 (16.9%) 0.00 188
    2025-12-01 $237,500 (8.3%) $311,437 (24.7%) 0.00 170
    2026-01-01 $224,450 (2.3%) $276,529 (10.6%) 0.00 155
    2026-02-01 $217,350 (-0.7%) $281,888 (9.1%) 0.00 150
    2026-03-01 $234,950 (4.4%) $291,286 (14.6%) 0.00 144
    2026-04-01 $268,225 (14.0%) $311,063 (16.6%) 0.00 148
    2026-05-01 $272,250 (8.9%) $329,503 (19.7%) 0.00 161
    Bartlesville's median listing price for 2026-05-01 was $272,250, a difference of $22,250 (8.9%) versus the prior year and $4,025 versus the prior month.

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

    Bartlesville's average listing price for 2026-05-01 was $329,503, a difference of $54,206 (19.7%) versus the prior year and $18,440 versus the prior month.

    For the 2026-05-01 period, Bartlesville had 161 MLS listings, a difference of 13 listings (9%) versus the prior month and 54 listings (50%) 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 1,911 sqft
    2019-10-01 0 days 1,908 sqft
    2019-11-01 0 days 1,998 sqft
    2019-12-01 0 days 2,005 sqft
    2020-01-01 0 days 1,921 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 1,764 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 1,807 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 1,804 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 1,870 sqft
    2022-11-01 0 days 1,768 sqft
    2022-12-01 0 days 1,916 sqft
    2023-01-01 0 days 1,855 sqft
    2023-02-01 0 days 1,814 sqft
    2023-03-01 0 days 1,923 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 1,786 sqft
    2024-07-01 0 days 1,809 sqft
    2024-08-01 0 days 1,864 sqft
    2024-09-01 0 days 1,893 sqft
    2024-10-01 0 days 1,979 sqft
    2024-11-01 0 days 1,893 sqft
    2024-12-01 0 days 1,867 sqft
    2025-01-01 0 days 1,868 sqft
    2025-02-01 0 days 1,868 sqft
    2025-03-01 0 days 1,940 sqft
    2025-04-01 0 days 1,935 sqft
    2025-05-01 0 days 1,954 sqft
    2025-06-01 0 days 2,001 sqft
    2025-07-01 0 days 2,015 sqft
    2025-08-01 0 days 1,954 sqft
    2025-09-01 0 days 1,887 sqft
    2025-10-01 0 days 1,903 sqft
    2025-11-01 0 days 1,906 sqft
    2025-12-01 0 days 1,868 sqft
    2026-01-01 0 days 1,820 sqft
    2026-02-01 0 days 1,775 sqft
    2026-03-01 0 days 1,909 sqft
    2026-04-01 0 days 2,087 sqft
    2026-05-01 0 days 2,112 sqft
    Bartlesville's median listing age (time on market) for 2026-05-01 was 0 days.

    Bartlesville's median square footage for active listings during the 2026-05-01 period was 2,112 sqft. One year prior, the average listing was 1,954 sqft.