Battle Creek USDA Loan Rates, Closing Costs & Stats
BATTLE CREEK, MI
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.
Battle Creek's 10 lenders originated 17 USDA loans during 2024. The total origination value was $2,825,000, with an average USDA loan value of $166,176.
Battle Creek USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Battle Creek
averaged
6.67%
for the week of 2025-04-04, compared to the national average (all USDA variants) of
6.324% for the same period.
Battle Creek's average USDA mortgage closing costs are $4,806.
The average rate for the prior week (2025-03-28) was
6.73% and
one month ago for the week of 2025-02-28, the
average rate was 6.68%.
The average rate one year ago was 7.14%.
For refis of the same type during the week of 2025-04-04, the average rate
was 6.41%.
Battle Creek 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 Battle Creek level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| UNION HOME MORTGAGE CORP. | 4 | 7.06% | $6,757 |
| MORTGAGE 1 INCORPORATED | 2 | 6.81% | $10,962 |
| Flagstar Bank, FSB | 1 | 6.38% | $10,026 |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | 7.00% | $6,026 |
| GUILD MORTGAGE COMPANY | 1 | 6.38% | $5,081 |
| Honor Credit Union | 1 | 7.25% | $4,555 |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | 7.13% | $5,449 |
| Century Mortgage Company DBA Century Lending Company | 1 | 5.63% | $0 |
| UNITED | 1 | 6.75% | $5,437 |
| Fifth Third Bank | 1 | 7.00% | $3,875 |
The top Battle Creek USDA lender as defined by loan originations is UNION HOME MORTGAGE CORP., with
4 USDA loans originated. Their average total fees are
$6,757, which is $4,204
lower than the next largest lender,
MORTGAGE 1 INCORPORATED.
The lowest fee Battle Creek USDA lenders (with over 10 loans originated) are
.
The lowest rate Battle Creek USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Battle Creek (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 | $95,875 (2.7%) | $156,085 (14.8%) | 0.37 | 391 |
| 2018-02-01 | $95,075 (-4.0%) | $156,867 (13.3%) | 0.36 | 354 |
| 2018-03-01 | $95,000 (-3.2%) | $163,802 (17.0%) | 0.38 | 319 |
| 2018-04-01 | $119,925 (17.6%) | $175,134 (4.0%) | 0.43 | 332 |
| 2018-05-01 | $139,419 (19.7%) | $186,170 (9.7%) | 0.49 | 359 |
| 2018-06-01 | $142,500 (16.4%) | $190,051 (13.2%) | 0.48 | 409 |
| 2018-07-01 | $140,825 (14.6%) | $186,774 (11.7%) | 0.47 | 439 |
| 2018-08-01 | $139,438 (12.5%) | $184,703 (8.7%) | 0.47 | 467 |
| 2018-09-01 | $138,250 (20.2%) | $186,436 (13.6%) | 0.46 | 484 |
| 2018-10-01 | $137,550 (25.1%) | $187,102 (16.3%) | 0.47 | 456 |
| 2018-11-01 | $129,950 (21.5%) | $175,304 (9.6%) | 0.45 | 444 |
| 2018-12-01 | $135,000 (30.6%) | $177,593 (13.6%) | 0.46 | 435 |
| 2019-01-01 | $132,100 (37.8%) | $173,268 (11.0%) | 0.46 | 393 |
| 2019-02-01 | $136,075 (43.1%) | $177,626 (13.2%) | 0.45 | 363 |
| 2019-03-01 | $136,786 (44.0%) | $180,197 (10.0%) | 0.44 | 357 |
| 2019-04-01 | $140,600 (17.2%) | $192,978 (10.2%) | 0.43 | 361 |
| 2019-05-01 | $149,925 (7.5%) | $207,971 (11.7%) | 0.46 | 367 |
| 2019-06-01 | $169,900 (19.2%) | $227,585 (19.8%) | 0.51 | 356 |
| 2019-07-01 | $169,900 (20.7%) | $227,153 (21.6%) | 0.50 | 388 |
| 2019-08-01 | $167,391 (20.1%) | $221,130 (19.7%) | 0.51 | 412 |
| 2019-09-01 | $159,802 (15.6%) | $209,316 (12.3%) | 0.50 | 428 |
| 2019-10-01 | $154,743 (12.5%) | $201,440 (7.7%) | 0.50 | 429 |
| 2019-11-01 | $149,900 (15.4%) | $199,758 (14.0%) | 0.49 | 387 |
| 2019-12-01 | $142,500 (5.6%) | $189,842 (6.9%) | 0.49 | 353 |
| 2020-01-01 | $143,000 (8.3%) | $185,292 (6.9%) | 0.48 | 333 |
| 2020-02-01 | $140,000 (2.9%) | $189,340 (6.6%) | 0.45 | 316 |
| 2020-03-01 | $143,475 (4.9%) | $201,602 (11.9%) | 0.46 | 267 |
| 2020-04-01 | $137,250 (-2.4%) | $197,855 (2.5%) | 0.44 | 262 |
| 2020-05-01 | $149,900 (0.0%) | $207,452 (-0.3%) | 0.46 | 257 |
| 2020-06-01 | $169,950 (0.0%) | $229,279 (0.7%) | 0.51 | 244 |
| 2020-07-01 | $188,775 (11.1%) | $244,345 (7.6%) | 0.55 | 220 |
| 2020-08-01 | $189,900 (13.5%) | $233,224 (5.5%) | 0.56 | 220 |
| 2020-09-01 | $164,675 (3.1%) | $211,454 (1.0%) | 0.47 | 238 |
| 2020-10-01 | $159,900 (3.3%) | $223,960 (11.2%) | 0.46 | 237 |
| 2020-11-01 | $159,925 (6.7%) | $217,594 (8.9%) | 0.46 | 226 |
| 2020-12-01 | $150,550 (5.7%) | $209,228 (10.2%) | 0.45 | 226 |
| 2021-01-01 | $149,900 (4.8%) | $207,567 (12.0%) | 0.46 | 203 |
| 2021-02-01 | $151,625 (8.3%) | $231,970 (22.5%) | 0.45 | 151 |
| 2021-03-01 | $176,900 (23.3%) | $255,642 (26.8%) | 0.48 | 114 |
| 2021-04-01 | $181,225 (32.0%) | $273,770 (38.4%) | 0.48 | 102 |
| 2021-05-01 | $184,950 (23.4%) | $266,593 (28.5%) | 0.47 | 117 |
| 2021-06-01 | $172,425 (1.5%) | $261,163 (13.9%) | 0.43 | 167 |
| 2021-07-01 | $159,900 (-15.3%) | $264,274 (8.2%) | 0.40 | 203 |
| 2021-08-01 | $163,950 (-13.7%) | $250,214 (7.3%) | 0.43 | 225 |
| 2021-09-01 | $155,500 (-5.6%) | $248,653 (17.6%) | 0.42 | 217 |
| 2021-10-01 | $155,000 (-3.1%) | $245,609 (9.7%) | 0.41 | 213 |
| 2021-11-01 | $167,450 (4.7%) | $267,800 (23.1%) | 0.45 | 181 |
| 2021-12-01 | $155,999 (3.6%) | $278,991 (33.3%) | 0.43 | 149 |
| 2022-01-01 | $149,950 (0.0%) | $266,375 (28.3%) | 0.41 | 136 |
| 2022-02-01 | $161,700 (6.6%) | $292,345 (26.0%) | 0.41 | 114 |
| 2022-03-01 | $193,450 (9.4%) | $318,708 (24.7%) | 0.48 | 113 |
| 2022-04-01 | $194,900 (7.6%) | $327,476 (19.6%) | 0.47 | 120 |
| 2022-05-01 | $214,950 (16.2%) | $316,057 (18.6%) | 0.50 | 165 |
| 2022-06-01 | $212,500 (23.2%) | $309,057 (18.3%) | 0.47 | 203 |
| 2022-07-01 | $197,000 (23.2%) | $290,395 (9.9%) | 0.44 | 248 |
| 2022-08-01 | $194,364 (18.6%) | $282,631 (13.0%) | 0.47 | 248 |
| 2022-09-01 | $195,250 (25.6%) | $255,822 (2.9%) | 0.00 | 264 |
| 2022-10-01 | $185,000 (19.4%) | $248,141 (1.0%) | 0.00 | 270 |
| 2022-11-01 | $187,125 (11.8%) | $252,199 (-5.8%) | 0.00 | 277 |
| 2022-12-01 | $189,950 (21.8%) | $244,865 (-12.2%) | 0.00 | 244 |
| 2023-01-01 | $188,225 (25.5%) | $233,361 (-12.4%) | 0.00 | 196 |
| 2023-02-01 | $181,175 (12.0%) | $218,410 (-25.3%) | 0.00 | 167 |
| 2023-03-01 | $194,950 (0.8%) | $266,132 (-16.5%) | 0.00 | 159 |
| 2023-04-01 | $229,950 (18.0%) | $288,671 (-11.9%) | 0.00 | 145 |
| 2023-05-01 | $249,999 (16.3%) | $299,667 (-5.2%) | 0.00 | 165 |
| 2023-06-01 | $243,200 (14.5%) | $301,345 (-2.5%) | 0.00 | 168 |
| 2023-07-01 | $240,000 (21.8%) | $299,069 (3.0%) | 0.00 | 191 |
| 2023-08-01 | $227,450 (17.0%) | $295,742 (4.6%) | 0.00 | 209 |
| 2023-09-01 | $220,000 (12.7%) | $286,637 (12.1%) | 0.00 | 215 |
| 2023-10-01 | $227,450 (23.0%) | $283,830 (14.4%) | 0.00 | 225 |
| 2023-11-01 | $217,450 (16.2%) | $273,100 (8.3%) | 0.00 | 232 |
| 2023-12-01 | $195,000 (2.7%) | $256,206 (4.6%) | 0.00 | 203 |
| 2024-01-01 | $192,000 (2.0%) | $242,606 (4.0%) | 0.00 | 187 |
| 2024-02-01 | $207,975 (14.8%) | $258,066 (18.2%) | 0.00 | 195 |
| 2024-03-01 | $249,900 (28.2%) | $282,869 (6.3%) | 0.00 | 190 |
| 2024-04-01 | $250,380 (8.9%) | $283,051 (-2.0%) | 0.00 | 181 |
| 2024-05-01 | $261,377 (4.6%) | $305,778 (2.0%) | 0.00 | 192 |
| 2024-06-01 | $250,000 (2.8%) | $283,989 (-5.8%) | 0.00 | 231 |
| 2024-07-01 | $253,415 (5.6%) | $297,201 (-0.6%) | 0.00 | 252 |
| 2024-08-01 | $249,900 (9.9%) | $294,766 (-0.3%) | 0.00 | 262 |
| 2024-09-01 | $244,950 (11.3%) | $289,539 (1.0%) | 0.00 | 290 |
| 2024-10-01 | $232,850 (2.4%) | $277,516 (-2.2%) | 0.00 | 301 |
| 2024-11-01 | $219,900 (1.1%) | $268,794 (-1.6%) | 0.00 | 293 |
| 2024-12-01 | $189,700 (-2.7%) | $241,218 (-5.9%) | 0.00 | 259 |
| 2025-01-01 | $189,763 (-1.2%) | $240,991 (-0.7%) | 0.00 | 237 |
| 2025-02-01 | $209,900 (0.9%) | $261,381 (1.3%) | 0.00 | 209 |
| 2025-03-01 | $235,000 (-6.0%) | $274,417 (-3.0%) | 0.00 | 194 |
Battle Creek's median listing price comes in at 0% of the national average.
Battle Creek's average listing price for 2025-03-01 was $274,417, a difference of $-8,452 (-3.0%) versus the prior year and $13,036 versus the prior month.
For the 2025-03-01 period, Battle Creek had 194 MLS listings, a difference of -15 listings (-7%) versus the prior month and 4 listings (2%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Battle Creek (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 78 days | 1,544 sqft |
| 2018-02-01 | 72 days | 1,572 sqft |
| 2018-03-01 | 61 days | 1,626 sqft |
| 2018-04-01 | 50 days | 1,665 sqft |
| 2018-05-01 | 45 days | 1,726 sqft |
| 2018-06-01 | 42 days | 1,792 sqft |
| 2018-07-01 | 45 days | 1,690 sqft |
| 2018-08-01 | 43 days | 1,706 sqft |
| 2018-09-01 | 45 days | 1,711 sqft |
| 2018-10-01 | 54 days | 1,699 sqft |
| 2018-11-01 | 60 days | 1,641 sqft |
| 2018-12-01 | 69 days | 1,664 sqft |
| 2019-01-01 | 72 days | 1,635 sqft |
| 2019-02-01 | 65 days | 1,597 sqft |
| 2019-03-01 | 57 days | 1,588 sqft |
| 2019-04-01 | 51 days | 1,608 sqft |
| 2019-05-01 | 45 days | 1,621 sqft |
| 2019-06-01 | 50 days | 1,703 sqft |
| 2019-07-01 | 51 days | 1,744 sqft |
| 2019-08-01 | 52 days | 1,771 sqft |
| 2019-09-01 | 52 days | 1,760 sqft |
| 2019-10-01 | 56 days | 1,757 sqft |
| 2019-11-01 | 57 days | 1,678 sqft |
| 2019-12-01 | 68 days | 1,724 sqft |
| 2020-01-01 | 73 days | 1,673 sqft |
| 2020-02-01 | 66 days | 1,620 sqft |
| 2020-03-01 | 62 days | 1,674 sqft |
| 2020-04-01 | 62 days | 1,619 sqft |
| 2020-05-01 | 72 days | 1,679 sqft |
| 2020-06-01 | 58 days | 1,755 sqft |
| 2020-07-01 | 52 days | 1,736 sqft |
| 2020-08-01 | 53 days | 1,654 sqft |
| 2020-09-01 | 49 days | 1,556 sqft |
| 2020-10-01 | 49 days | 1,556 sqft |
| 2020-11-01 | 57 days | 1,556 sqft |
| 2020-12-01 | 60 days | 1,567 sqft |
| 2021-01-01 | 71 days | 1,556 sqft |
| 2021-02-01 | 86 days | 1,556 sqft |
| 2021-03-01 | 84 days | 1,556 sqft |
| 2021-04-01 | 53 days | 1,591 sqft |
| 2021-05-01 | 42 days | 1,616 sqft |
| 2021-06-01 | 34 days | 1,616 sqft |
| 2021-07-01 | 35 days | 1,616 sqft |
| 2021-08-01 | 37 days | 1,585 sqft |
| 2021-09-01 | 46 days | 1,533 sqft |
| 2021-10-01 | 49 days | 1,577 sqft |
| 2021-11-01 | 53 days | 1,613 sqft |
| 2021-12-01 | 61 days | 1,611 sqft |
| 2022-01-01 | 67 days | 1,586 sqft |
| 2022-02-01 | 76 days | 1,527 sqft |
| 2022-03-01 | 59 days | 1,587 sqft |
| 2022-04-01 | 42 days | 1,616 sqft |
| 2022-05-01 | 32 days | 1,609 sqft |
| 2022-06-01 | 35 days | 1,599 sqft |
| 2022-07-01 | 42 days | 1,616 sqft |
| 2022-08-01 | 43 days | 1,597 sqft |
| 2022-09-01 | 0 days | 1,624 sqft |
| 2022-10-01 | 0 days | 1,616 sqft |
| 2022-11-01 | 0 days | 1,565 sqft |
| 2022-12-01 | 0 days | 1,611 sqft |
| 2023-01-01 | 0 days | 1,581 sqft |
| 2023-02-01 | 0 days | 1,616 sqft |
| 2023-03-01 | 0 days | 1,616 sqft |
| 2023-04-01 | 0 days | 1,616 sqft |
| 2023-05-01 | 0 days | 1,616 sqft |
| 2023-06-01 | 0 days | 1,616 sqft |
| 2023-07-01 | 0 days | 1,616 sqft |
| 2023-08-01 | 0 days | 1,554 sqft |
| 2023-09-01 | 0 days | 1,568 sqft |
| 2023-10-01 | 0 days | 1,560 sqft |
| 2023-11-01 | 0 days | 1,540 sqft |
| 2023-12-01 | 0 days | 1,496 sqft |
| 2024-01-01 | 0 days | 1,495 sqft |
| 2024-02-01 | 0 days | 1,487 sqft |
| 2024-03-01 | 0 days | 1,552 sqft |
| 2024-04-01 | 0 days | 1,592 sqft |
| 2024-05-01 | 0 days | 1,616 sqft |
| 2024-06-01 | 0 days | 1,616 sqft |
| 2024-07-01 | 0 days | 1,622 sqft |
| 2024-08-01 | 0 days | 1,674 sqft |
| 2024-09-01 | 0 days | 1,671 sqft |
| 2024-10-01 | 0 days | 1,660 sqft |
| 2024-11-01 | 0 days | 1,627 sqft |
| 2024-12-01 | 0 days | 1,582 sqft |
| 2025-01-01 | 0 days | 1,611 sqft |
| 2025-02-01 | 0 days | 1,626 sqft |
| 2025-03-01 | 0 days | 1,664 sqft |
Battle Creek's median square footage for active listings during the 2025-03-01 period was 1,664 sqft. One year prior, the average listing was 1,552 sqft.