Bluefield USDA Loan Rates, Closing Costs & Stats

Bluefield, WV-VA

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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.

    Bluefield's 18 lenders originated 115 USDA loans during 2023. The total origination value was $15,285,000, with an average USDA loan value of $132,913.

    Bluefield USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Bluefield averaged 6.62% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Bluefield's average USDA mortgage closing costs are $5,039.

    The average rate for the prior week (2025-02-07) was 6.57% and one month ago for the week of 2025-01-10, the average rate was 6.42%.

    The average rate one year ago was 6.61%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.53%.

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

    Bluefield 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 Bluefield level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Atlantic Union Bank 54 6.73% $5,684
    MOVEMENT MORTGAGE, LLC 23 6.59% $7,130
    CARDINAL FINANCIAL 8 6.27% $5,001
    Alcova Mortgage LLC 6 6.77% $5,114
    Renasant Bank 4 6.91% $4,463
    Truist 3 5.88% $5,230
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.75% $8,474
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 7.00% $7,394
    U.S. Bank 2 7.25% $3,873
    Waterstone Mortgage Corporation 1 6.50% $8,296
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.13% $6,291
    BROKER SOLUTIONS, INC. 1 6.75% $10,212
    CROSSCOUNTRY MORTGAGE, LLC 1 7.25% $6,727
    First Heritage Mortgage, LLC 1 6.88% $4,355
    First Reliance Bank 1 5.63% $4,486
    GENEVA FINANCIAL, LLC 1 6.88% $7,675
    Mortgage Research Center, LLC 1 6.25% $3,292
    Prosperity Home Mortgage, LLC 1 6.49% $4,773

    The top Bluefield USDA lender as defined by loan originations is Atlantic Union Bank, with 54 USDA loans originated. Their average total fees are $5,684, which is $1,446 lower than the next largest lender, MOVEMENT MORTGAGE, LLC.

    The lowest fee Bluefield USDA lenders (with over 10 loans originated) are Atlantic Union Bank ($5,684), MOVEMENT MORTGAGE, LLC ($7,130), .

    The lowest rate Bluefield USDA lenders (with over 10 loans originated) are MOVEMENT MORTGAGE, LLC (6.59%), Atlantic Union Bank (6.73%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Bluefield (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 $121,150 (-2.9%) $166,837 (1.4%) 0.00 498
    2018-02-01 $119,900 (-4.0%) $169,604 (2.6%) 0.00 496
    2018-03-01 $119,900 (-4.0%) $171,323 (-0.7%) 0.00 497
    2018-04-01 $122,625 (-1.9%) $175,082 (1.9%) 0.00 482
    2018-05-01 $125,000 (0.7%) $175,048 (4.2%) 0.00 510
    2018-06-01 $124,900 (2.6%) $177,475 (5.6%) 0.00 530
    2018-07-01 $123,950 (0.4%) $177,622 (4.7%) 0.00 550
    2018-08-01 $127,125 (3.1%) $177,225 (5.4%) 0.00 557
    2018-09-01 $139,000 (11.3%) $186,377 (9.4%) 0.00 554
    2018-10-01 $132,850 (7.7%) $181,958 (7.1%) 0.00 554
    2018-11-01 $131,750 (8.2%) $184,342 (8.9%) 0.00 515
    2018-12-01 $130,000 (8.4%) $185,085 (10.6%) 0.00 490
    2019-01-01 $129,900 (7.2%) $184,838 (10.8%) 0.00 456
    2019-02-01 $129,900 (8.3%) $181,770 (7.2%) 0.00 436
    2019-03-01 $131,636 (9.8%) $167,754 (-2.1%) 0.00 454
    2019-04-01 $131,636 (7.4%) $163,044 (-6.9%) 0.00 478
    2019-05-01 $128,725 (3.0%) $160,910 (-8.1%) 0.00 493
    2019-06-01 $129,900 (4.0%) $164,365 (-7.4%) 0.00 515
    2019-07-01 $129,900 (4.8%) $163,568 (-7.9%) 0.00 545
    2019-08-01 $131,216 (3.2%) $166,172 (-6.2%) 0.00 543
    2019-09-01 $133,190 (-4.2%) $170,080 (-8.7%) 0.00 524
    2019-10-01 $134,506 (1.3%) $172,685 (-5.1%) 0.00 506
    2019-11-01 $132,500 (0.6%) $172,805 (-6.3%) 0.00 477
    2019-12-01 $129,900 (-0.1%) $170,123 (-8.1%) 0.00 433
    2020-01-01 $129,900 (0.0%) $168,671 (-8.8%) 0.00 412
    2020-02-01 $129,900 (0.0%) $171,919 (-5.4%) 0.00 416
    2020-03-01 $133,075 (1.1%) $177,468 (5.8%) 0.00 397
    2020-04-01 $134,675 (2.3%) $182,387 (11.9%) 0.00 377
    2020-05-01 $134,950 (4.8%) $186,981 (16.2%) 0.00 343
    2020-06-01 $139,900 (7.7%) $184,515 (12.3%) 0.00 329
    2020-07-01 $135,950 (4.7%) $190,289 (16.3%) 0.00 312
    2020-08-01 $139,900 (6.6%) $208,845 (25.7%) 0.00 282
    2020-09-01 $149,000 (11.9%) $216,544 (27.3%) 0.00 277
    2020-10-01 $149,950 (11.5%) $222,538 (28.9%) 0.00 284
    2020-11-01 $149,900 (13.1%) $214,098 (23.9%) 0.00 283
    2020-12-01 $145,000 (11.6%) $201,282 (18.3%) 0.00 267
    2021-01-01 $149,900 (15.4%) $206,836 (22.6%) 0.00 248
    2021-02-01 $149,375 (15.0%) $206,104 (19.9%) 0.00 225
    2021-03-01 $150,500 (13.1%) $210,644 (18.7%) 0.00 204
    2021-04-01 $153,725 (14.2%) $221,383 (21.4%) 0.00 193
    2021-05-01 $142,000 (5.2%) $233,717 (25.0%) 0.00 197
    2021-06-01 $135,000 (-3.5%) $240,327 (30.3%) 0.00 178
    2021-07-01 $139,900 (2.9%) $241,386 (26.9%) 0.00 183
    2021-08-01 $136,000 (-2.8%) $236,674 (13.3%) 0.00 185
    2021-09-01 $134,975 (-9.4%) $229,419 (6.0%) 0.00 180
    2021-10-01 $134,450 (-10.3%) $216,236 (-2.8%) 0.00 175
    2021-11-01 $138,450 (-7.6%) $229,326 (7.1%) 0.00 163
    2021-12-01 $139,900 (-3.5%) $232,798 (15.7%) 0.00 151
    2022-01-01 $139,900 (-6.7%) $230,773 (11.6%) 0.00 135
    2022-02-01 $148,000 (-0.9%) $246,381 (19.5%) 0.00 121
    2022-03-01 $141,950 (-5.7%) $251,106 (19.2%) 0.00 106
    2022-04-01 $144,900 (-5.7%) $239,744 (8.3%) 0.00 110
    2022-05-01 $151,000 (6.3%) $239,037 (2.3%) 0.00 123
    2022-06-01 $150,925 (11.8%) $236,741 (-1.5%) 0.00 132
    2022-07-01 $144,900 (3.6%) $238,438 (-1.2%) 0.00 152
    2022-08-01 $149,900 (10.2%) $236,920 (0.1%) 0.00 155
    2022-09-01 $154,475 (14.5%) $238,501 (4.0%) 0.00 153
    2022-10-01 $165,450 (23.1%) $236,146 (9.2%) 0.00 151
    2022-11-01 $154,950 (11.9%) $221,515 (-3.4%) 0.00 151
    2022-12-01 $162,400 (16.1%) $249,159 (7.0%) 0.00 154
    2023-01-01 $163,950 (17.2%) $247,515 (7.3%) 0.00 133
    2023-02-01 $177,000 (19.6%) $270,282 (9.7%) 0.00 119
    2023-03-01 $149,900 (5.6%) $260,486 (3.7%) 0.00 111
    2023-04-01 $169,000 (16.6%) $251,406 (4.9%) 0.00 102
    2023-05-01 $179,950 (19.2%) $272,091 (13.8%) 0.00 91
    2023-06-01 $179,225 (18.8%) $271,375 (14.6%) 0.00 109
    2023-07-01 $176,950 (22.1%) $283,525 (18.9%) 0.00 144
    2023-08-01 $172,975 (15.4%) $301,165 (27.1%) 0.00 164
    2023-09-01 $172,500 (11.7%) $333,994 (40.0%) 0.00 165
    2023-10-01 $169,975 (2.7%) $332,128 (40.6%) 0.00 169
    2023-11-01 $175,425 (13.2%) $285,857 (29.1%) 0.00 161
    2023-12-01 $189,900 (16.9%) $296,918 (19.2%) 0.00 153
    2024-01-01 $179,475 (9.5%) $252,231 (1.9%) 0.00 160
    2024-02-01 $182,125 (2.9%) $240,672 (-11.0%) 0.00 148
    2024-03-01 $192,500 (28.4%) $259,688 (-0.3%) 0.00 146
    2024-04-01 $191,200 (13.1%) $259,268 (3.1%) 0.00 151
    2024-05-01 $189,900 (5.5%) $260,532 (-4.3%) 0.00 142
    2024-06-01 $180,000 (0.4%) $288,292 (6.2%) 0.00 152
    2024-07-01 $196,375 (11.0%) $302,737 (6.8%) 0.00 175
    2024-08-01 $169,450 (-2.0%) $291,552 (-3.2%) 0.00 195
    2024-09-01 $172,225 (-0.2%) $277,218 (-17.0%) 0.00 188
    2024-10-01 $172,000 (1.2%) $274,233 (-17.4%) 0.00 195
    2024-11-01 $188,000 (7.2%) $276,183 (-3.4%) 0.00 202
    2024-12-01 $181,150 (-4.6%) $273,358 (-7.9%) 0.00 204
    2025-01-01 $180,825 (0.8%) $280,965 (11.4%) 0.00 186
    Bluefield's median listing price for 2025-01-01 was $180,825, a difference of $1,350 (0.8%) versus the prior year and $-325 versus the prior month.

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

    Bluefield's average listing price for 2025-01-01 was $280,965, a difference of $28,734 (11.4%) versus the prior year and $7,607 versus the prior month.

    For the 2025-01-01 period, Bluefield had 186 MLS listings, a difference of -18 listings (-9%) versus the prior month and 26 listings (16%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bluefield (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,646 sqft
    2018-02-01 0 days 1,642 sqft
    2018-03-01 0 days 1,644 sqft
    2018-04-01 0 days 1,644 sqft
    2018-05-01 0 days 1,650 sqft
    2018-06-01 0 days 1,680 sqft
    2018-07-01 0 days 1,669 sqft
    2018-08-01 0 days 1,680 sqft
    2018-09-01 0 days 1,727 sqft
    2018-10-01 0 days 1,697 sqft
    2018-11-01 0 days 1,681 sqft
    2018-12-01 0 days 1,662 sqft
    2019-01-01 0 days 1,657 sqft
    2019-02-01 0 days 1,674 sqft
    2019-03-01 0 days 1,648 sqft
    2019-04-01 0 days 1,645 sqft
    2019-05-01 0 days 1,655 sqft
    2019-06-01 0 days 1,666 sqft
    2019-07-01 0 days 1,680 sqft
    2019-08-01 0 days 1,694 sqft
    2019-09-01 0 days 1,698 sqft
    2019-10-01 0 days 1,701 sqft
    2019-11-01 0 days 1,694 sqft
    2019-12-01 0 days 1,637 sqft
    2020-01-01 0 days 1,670 sqft
    2020-02-01 0 days 1,670 sqft
    2020-03-01 0 days 1,699 sqft
    2020-04-01 0 days 1,703 sqft
    2020-05-01 0 days 1,752 sqft
    2020-06-01 0 days 1,746 sqft
    2020-07-01 0 days 1,728 sqft
    2020-08-01 0 days 1,768 sqft
    2020-09-01 0 days 1,815 sqft
    2020-10-01 0 days 1,794 sqft
    2020-11-01 0 days 1,779 sqft
    2020-12-01 0 days 1,785 sqft
    2021-01-01 0 days 1,818 sqft
    2021-02-01 0 days 1,798 sqft
    2021-03-01 0 days 1,824 sqft
    2021-04-01 0 days 1,837 sqft
    2021-05-01 0 days 1,800 sqft
    2021-06-01 0 days 1,712 sqft
    2021-07-01 0 days 1,729 sqft
    2021-08-01 0 days 1,727 sqft
    2021-09-01 0 days 1,745 sqft
    2021-10-01 0 days 1,624 sqft
    2021-11-01 0 days 1,770 sqft
    2021-12-01 0 days 1,724 sqft
    2022-01-01 0 days 1,671 sqft
    2022-02-01 0 days 1,774 sqft
    2022-03-01 0 days 1,853 sqft
    2022-04-01 0 days 1,802 sqft
    2022-05-01 0 days 1,806 sqft
    2022-06-01 0 days 1,777 sqft
    2022-07-01 0 days 1,704 sqft
    2022-08-01 0 days 1,774 sqft
    2022-09-01 0 days 1,704 sqft
    2022-10-01 0 days 1,816 sqft
    2022-11-01 0 days 1,749 sqft
    2022-12-01 0 days 1,796 sqft
    2023-01-01 0 days 1,778 sqft
    2023-02-01 0 days 1,841 sqft
    2023-03-01 0 days 1,699 sqft
    2023-04-01 0 days 1,734 sqft
    2023-05-01 0 days 1,992 sqft
    2023-06-01 0 days 2,006 sqft
    2023-07-01 0 days 1,860 sqft
    2023-08-01 0 days 1,931 sqft
    2023-09-01 0 days 1,943 sqft
    2023-10-01 0 days 1,813 sqft
    2023-11-01 0 days 1,854 sqft
    2023-12-01 0 days 1,884 sqft
    2024-01-01 0 days 1,763 sqft
    2024-02-01 0 days 1,763 sqft
    2024-03-01 0 days 1,828 sqft
    2024-04-01 0 days 1,881 sqft
    2024-05-01 0 days 1,929 sqft
    2024-06-01 0 days 1,776 sqft
    2024-07-01 0 days 1,825 sqft
    2024-08-01 0 days 1,700 sqft
    2024-09-01 0 days 1,752 sqft
    2024-10-01 0 days 1,658 sqft
    2024-11-01 0 days 1,690 sqft
    2024-12-01 0 days 1,657 sqft
    2025-01-01 0 days 1,622 sqft
    Bluefield's median listing age (time on market) for 2025-01-01 was 0 days.

    Bluefield's median square footage for active listings during the 2025-01-01 period was 1,622 sqft. One year prior, the average listing was 1,763 sqft.