Bend USDA Loan Rates, Closing Costs & Stats
BEND, OR
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.
Bend's 3 lenders originated 5 USDA loans during 2023. The total origination value was $1,885,000, with an average USDA loan value of $377,000.
Bend USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Bend
averaged
6.54%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Bend's average USDA mortgage closing costs are $8,197.
The average rate for the prior week (2025-02-07) was
6.6% and
one month ago for the week of 2025-01-10, the
average rate was 6.45%.
The average rate one year ago was 6.44%.
For refis of the same type during the week of 2025-02-14, the average rate
was 7.02%.
Bend 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 Bend level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 2 | 5.50% | $15,924 |
| LOANDEPOT.COM, LLC | 2 | 5.00% | $23,399 |
| DIRECTORS MORTGAGE, INC. | 1 | 6.13% | $13,247 |
The top Bend USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
2 USDA loans originated. Their average total fees are
$15,924, which is $7,475
lower than the next largest lender,
LOANDEPOT.COM, LLC.
The lowest fee Bend USDA lenders (with over 10 loans originated) are
.
The lowest rate Bend USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Bend (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 | $432,675 (7.7%) | $606,671 (3.0%) | 1.67 | 1,392 |
| 2018-02-01 | $436,725 (9.2%) | $609,596 (5.9%) | 1.63 | 1,367 |
| 2018-03-01 | $445,700 (5.0%) | $613,474 (5.0%) | 1.61 | 1,495 |
| 2018-04-01 | $457,725 (7.1%) | $629,862 (6.6%) | 1.61 | 1,606 |
| 2018-05-01 | $459,450 (5.7%) | $629,204 (7.5%) | 1.59 | 1,737 |
| 2018-06-01 | $474,900 (5.0%) | $632,942 (3.9%) | 1.63 | 1,879 |
| 2018-07-01 | $472,839 (3.9%) | $635,692 (3.9%) | 1.63 | 2,044 |
| 2018-08-01 | $469,900 (4.4%) | $628,241 (3.9%) | 1.65 | 2,078 |
| 2018-09-01 | $473,450 (8.8%) | $631,943 (6.6%) | 1.66 | 2,048 |
| 2018-10-01 | $466,925 (7.2%) | $626,123 (5.2%) | 1.66 | 1,927 |
| 2018-11-01 | $461,725 (5.2%) | $635,430 (5.9%) | 1.64 | 1,748 |
| 2018-12-01 | $459,979 (5.8%) | $644,969 (7.7%) | 1.69 | 1,570 |
| 2019-01-01 | $464,450 (7.3%) | $652,581 (7.6%) | 1.70 | 1,425 |
| 2019-02-01 | $469,500 (7.5%) | $647,635 (6.2%) | 1.69 | 1,386 |
| 2019-03-01 | $484,586 (8.7%) | $649,952 (6.0%) | 1.67 | 1,419 |
| 2019-04-01 | $495,500 (8.3%) | $650,630 (3.3%) | 1.66 | 1,466 |
| 2019-05-01 | $495,000 (7.7%) | $654,532 (4.0%) | 1.62 | 1,667 |
| 2019-06-01 | $489,900 (3.2%) | $651,737 (3.0%) | 1.62 | 1,971 |
| 2019-07-01 | $499,000 (5.5%) | $653,218 (2.8%) | 1.62 | 2,067 |
| 2019-08-01 | $492,455 (4.8%) | $659,664 (5.0%) | 1.62 | 2,003 |
| 2019-09-01 | $482,636 (1.9%) | $652,615 (3.3%) | 1.61 | 1,943 |
| 2019-10-01 | $478,091 (2.4%) | $650,598 (3.9%) | 1.61 | 1,855 |
| 2019-11-01 | $474,900 (2.9%) | $664,538 (4.6%) | 1.64 | 1,573 |
| 2019-12-01 | $466,750 (1.5%) | $670,170 (3.9%) | 1.67 | 1,279 |
| 2020-01-01 | $454,900 (-2.1%) | $663,777 (1.7%) | 1.65 | 1,145 |
| 2020-02-01 | $450,000 (-4.2%) | $662,052 (2.2%) | 1.58 | 1,102 |
| 2020-03-01 | $464,500 (-4.1%) | $661,763 (1.8%) | 1.53 | 1,201 |
| 2020-04-01 | $468,850 (-5.4%) | $652,640 (0.3%) | 1.53 | 1,399 |
| 2020-05-01 | $478,160 (-3.4%) | $661,606 (1.1%) | 1.52 | 1,393 |
| 2020-06-01 | $487,250 (-0.5%) | $688,092 (5.6%) | 1.47 | 1,231 |
| 2020-07-01 | $509,250 (2.1%) | $709,754 (8.7%) | 1.53 | 1,078 |
| 2020-08-01 | $499,900 (1.5%) | $759,672 (15.2%) | 1.55 | 795 |
| 2020-09-01 | $526,198 (9.0%) | $773,000 (18.5%) | 1.62 | 701 |
| 2020-10-01 | $539,900 (12.9%) | $795,776 (22.3%) | 1.68 | 597 |
| 2020-11-01 | $571,975 (20.4%) | $817,671 (23.0%) | 1.80 | 505 |
| 2020-12-01 | $552,703 (18.4%) | $819,214 (22.2%) | 1.83 | 452 |
| 2021-01-01 | $549,950 (20.9%) | $848,315 (27.8%) | 1.79 | 396 |
| 2021-02-01 | $604,925 (34.4%) | $906,165 (36.9%) | 1.87 | 365 |
| 2021-03-01 | $568,703 (22.4%) | $923,899 (39.6%) | 1.73 | 379 |
| 2021-04-01 | $624,725 (33.3%) | $964,181 (47.7%) | 1.84 | 383 |
| 2021-05-01 | $642,500 (34.4%) | $934,371 (41.2%) | 1.73 | 435 |
| 2021-06-01 | $657,500 (34.9%) | $959,547 (39.5%) | 1.83 | 557 |
| 2021-07-01 | $689,450 (35.4%) | $984,800 (38.8%) | 1.85 | 694 |
| 2021-08-01 | $678,750 (35.8%) | $970,307 (27.7%) | 1.87 | 802 |
| 2021-09-01 | $687,500 (30.7%) | $962,303 (24.5%) | 1.87 | 878 |
| 2021-10-01 | $665,000 (23.2%) | $935,550 (17.6%) | 1.87 | 887 |
| 2021-11-01 | $653,146 (14.2%) | $938,349 (14.8%) | 1.86 | 735 |
| 2021-12-01 | $668,604 (21.0%) | $993,717 (21.3%) | 1.92 | 553 |
| 2022-01-01 | $649,450 (18.1%) | $988,783 (16.6%) | 1.86 | 398 |
| 2022-02-01 | $682,425 (12.8%) | $980,393 (8.2%) | 1.93 | 382 |
| 2022-03-01 | $683,009 (20.1%) | $949,619 (2.8%) | 1.81 | 446 |
| 2022-04-01 | $699,500 (12.0%) | $970,185 (0.6%) | 1.79 | 566 |
| 2022-05-01 | $734,500 (14.3%) | $985,031 (5.4%) | 1.78 | 792 |
| 2022-06-01 | $722,225 (9.8%) | $957,203 (-0.2%) | 1.69 | 1,006 |
| 2022-07-01 | $699,900 (1.5%) | $950,095 (-3.5%) | 1.67 | 1,246 |
| 2022-08-01 | $684,700 (0.9%) | $928,574 (-4.3%) | 1.67 | 1,281 |
| 2022-09-01 | $666,907 (-3.0%) | $938,722 (-2.5%) | 1.64 | 1,268 |
| 2022-10-01 | $649,900 (-2.3%) | $924,094 (-1.2%) | 1.59 | 1,260 |
| 2022-11-01 | $637,592 (-2.4%) | $920,910 (-1.9%) | 1.61 | 1,145 |
| 2022-12-01 | $625,000 (-6.5%) | $918,627 (-7.6%) | 1.62 | 1,030 |
| 2023-01-01 | $622,200 (-4.2%) | $903,852 (-8.6%) | 1.61 | 867 |
| 2023-02-01 | $625,000 (-8.4%) | $936,349 (-4.5%) | 1.59 | 821 |
| 2023-03-01 | $636,200 (-6.9%) | $943,930 (-0.6%) | 1.60 | 847 |
| 2023-04-01 | $658,700 (-5.8%) | $991,799 (2.2%) | 1.63 | 869 |
| 2023-05-01 | $712,400 (-3.0%) | $1,011,334 (2.7%) | 1.75 | 987 |
| 2023-06-01 | $709,450 (-1.8%) | $1,004,382 (4.9%) | 1.72 | 1,102 |
| 2023-07-01 | $734,900 (5.0%) | $996,724 (4.9%) | 1.77 | 1,263 |
| 2023-08-01 | $727,000 (6.2%) | $988,448 (6.5%) | 1.78 | 1,277 |
| 2023-09-01 | $725,000 (8.7%) | $968,824 (3.2%) | 1.80 | 1,296 |
| 2023-10-01 | $699,775 (7.7%) | $951,874 (3.0%) | 1.73 | 1,253 |
| 2023-11-01 | $682,050 (7.0%) | $939,114 (2.0%) | 1.67 | 1,191 |
| 2023-12-01 | $675,000 (8.0%) | $935,595 (1.9%) | 1.71 | 1,058 |
| 2024-01-01 | $649,950 (4.5%) | $909,367 (0.6%) | 1.67 | 958 |
| 2024-02-01 | $649,950 (4.0%) | $914,197 (-2.4%) | 1.66 | 937 |
| 2024-03-01 | $659,900 (3.7%) | $935,250 (-0.9%) | 1.65 | 1,001 |
| 2024-04-01 | $699,000 (6.1%) | $986,299 (-0.6%) | 1.70 | 1,151 |
| 2024-05-01 | $724,900 (1.8%) | $1,001,747 (-1.0%) | 1.71 | 1,385 |
| 2024-06-01 | $726,788 (2.4%) | $1,017,674 (1.3%) | 1.73 | 1,608 |
| 2024-07-01 | $724,950 (-1.4%) | $1,010,609 (1.4%) | 1.74 | 1,814 |
| 2024-08-01 | $710,000 (-2.3%) | $1,005,018 (1.7%) | 1.73 | 1,844 |
| 2024-09-01 | $705,374 (-2.7%) | $999,206 (3.1%) | 1.73 | 1,789 |
| 2024-10-01 | $699,450 (-0.1%) | $976,909 (2.6%) | 1.71 | 1,687 |
| 2024-11-01 | $689,900 (1.2%) | $955,768 (1.8%) | 1.73 | 1,608 |
| 2024-12-01 | $674,069 (-0.1%) | $947,021 (1.2%) | 1.74 | 1,367 |
| 2025-01-01 | $664,499 (2.2%) | $961,042 (5.7%) | 0.00 | 1,199 |
Bend's median listing price comes in at 0% of the national average.
Bend's average listing price for 2025-01-01 was $961,042, a difference of $51,675 (5.7%) versus the prior year and $14,021 versus the prior month.
For the 2025-01-01 period, Bend had 1,199 MLS listings, a difference of -168 listings (-12%) versus the prior month and 241 listings (25%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Bend (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 95 days | 2,024 sqft |
| 2018-02-01 | 83 days | 2,010 sqft |
| 2018-03-01 | 58 days | 2,015 sqft |
| 2018-04-01 | 54 days | 2,030 sqft |
| 2018-05-01 | 52 days | 2,043 sqft |
| 2018-06-01 | 50 days | 2,040 sqft |
| 2018-07-01 | 57 days | 2,039 sqft |
| 2018-08-01 | 65 days | 2,030 sqft |
| 2018-09-01 | 71 days | 2,051 sqft |
| 2018-10-01 | 84 days | 2,028 sqft |
| 2018-11-01 | 92 days | 2,025 sqft |
| 2018-12-01 | 106 days | 2,021 sqft |
| 2019-01-01 | 110 days | 2,033 sqft |
| 2019-02-01 | 102 days | 2,040 sqft |
| 2019-03-01 | 85 days | 2,039 sqft |
| 2019-04-01 | 62 days | 2,046 sqft |
| 2019-05-01 | 42 days | 2,058 sqft |
| 2019-06-01 | 43 days | 2,072 sqft |
| 2019-07-01 | 56 days | 2,075 sqft |
| 2019-08-01 | 66 days | 2,062 sqft |
| 2019-09-01 | 77 days | 2,034 sqft |
| 2019-10-01 | 84 days | 2,023 sqft |
| 2019-11-01 | 92 days | 2,032 sqft |
| 2019-12-01 | 100 days | 2,029 sqft |
| 2020-01-01 | 103 days | 2,023 sqft |
| 2020-02-01 | 87 days | 2,005 sqft |
| 2020-03-01 | 52 days | 2,021 sqft |
| 2020-04-01 | 50 days | 2,009 sqft |
| 2020-05-01 | 68 days | 2,023 sqft |
| 2020-06-01 | 67 days | 2,046 sqft |
| 2020-07-01 | 64 days | 2,054 sqft |
| 2020-08-01 | 64 days | 2,038 sqft |
| 2020-09-01 | 59 days | 2,009 sqft |
| 2020-10-01 | 68 days | 1,981 sqft |
| 2020-11-01 | 71 days | 1,990 sqft |
| 2020-12-01 | 67 days | 1,945 sqft |
| 2021-01-01 | 58 days | 1,959 sqft |
| 2021-02-01 | 40 days | 1,994 sqft |
| 2021-03-01 | 39 days | 1,943 sqft |
| 2021-04-01 | 37 days | 2,016 sqft |
| 2021-05-01 | 34 days | 1,948 sqft |
| 2021-06-01 | 29 days | 1,983 sqft |
| 2021-07-01 | 32 days | 1,996 sqft |
| 2021-08-01 | 36 days | 1,982 sqft |
| 2021-09-01 | 41 days | 1,990 sqft |
| 2021-10-01 | 50 days | 1,960 sqft |
| 2021-11-01 | 62 days | 1,924 sqft |
| 2021-12-01 | 82 days | 1,957 sqft |
| 2022-01-01 | 90 days | 1,920 sqft |
| 2022-02-01 | 39 days | 1,919 sqft |
| 2022-03-01 | 32 days | 1,940 sqft |
| 2022-04-01 | 31 days | 1,962 sqft |
| 2022-05-01 | 29 days | 1,991 sqft |
| 2022-06-01 | 34 days | 1,996 sqft |
| 2022-07-01 | 38 days | 1,971 sqft |
| 2022-08-01 | 51 days | 1,962 sqft |
| 2022-09-01 | 62 days | 1,944 sqft |
| 2022-10-01 | 66 days | 1,927 sqft |
| 2022-11-01 | 73 days | 1,914 sqft |
| 2022-12-01 | 91 days | 1,908 sqft |
| 2023-01-01 | 96 days | 1,921 sqft |
| 2023-02-01 | 89 days | 1,902 sqft |
| 2023-03-01 | 54 days | 1,908 sqft |
| 2023-04-01 | 51 days | 1,927 sqft |
| 2023-05-01 | 45 days | 1,981 sqft |
| 2023-06-01 | 43 days | 1,998 sqft |
| 2023-07-01 | 47 days | 2,026 sqft |
| 2023-08-01 | 54 days | 2,010 sqft |
| 2023-09-01 | 64 days | 1,991 sqft |
| 2023-10-01 | 71 days | 1,984 sqft |
| 2023-11-01 | 78 days | 1,963 sqft |
| 2023-12-01 | 85 days | 1,953 sqft |
| 2024-01-01 | 92 days | 1,930 sqft |
| 2024-02-01 | 86 days | 1,933 sqft |
| 2024-03-01 | 57 days | 1,930 sqft |
| 2024-04-01 | 44 days | 1,946 sqft |
| 2024-05-01 | 44 days | 1,962 sqft |
| 2024-06-01 | 50 days | 1,987 sqft |
| 2024-07-01 | 57 days | 1,969 sqft |
| 2024-08-01 | 65 days | 1,976 sqft |
| 2024-09-01 | 81 days | 1,998 sqft |
| 2024-10-01 | 96 days | 1,977 sqft |
| 2024-11-01 | 114 days | 1,941 sqft |
| 2024-12-01 | 96 days | 1,933 sqft |
| 2025-01-01 | 0 days | 1,940 sqft |
Bend's median square footage for active listings during the 2025-01-01 period was 1,940 sqft. One year prior, the average listing was 1,930 sqft.