Bradford USDA Loan Rates, Closing Costs & Stats

Bradford, PA

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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.

    Bradford's 3 lenders originated 4 USDA loans during 2023. The total origination value was $390,000, with an average USDA loan value of $97,500.

    Bradford USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Bradford averaged 6.63% for the week of 2024-04-12, compared to the national average (all USDA variants) of 6.705% for the same period.

    Bradford's average USDA mortgage closing costs are $4,275.

    The average rate for the prior week (2024-04-05) was 6.95% and one month ago for the week of 2024-03-08, the average rate was 6.61%.

    The average rate one year ago was 6.52%.

    For refis of the same type during the week of 2024-04-12, the average rate was 6.91%.

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

    Bradford 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 Bradford level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    PARAGON HOME LOANS INC. 2 6.81% $3,412
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.25% $7,062
    VAN DYK MORTGAGE CORPORATION 1 6.63% $836

    The top Bradford USDA lender as defined by loan originations is PARAGON HOME LOANS INC., with 2 USDA loans originated. Their average total fees are $3,412, which is $3,651 lower than the next largest lender, PRIMELENDING, A PLAINSCAPITAL COMPANY.

    The lowest fee Bradford USDA lenders (with over 10 loans originated) are .

    The lowest rate Bradford USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Bradford (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 $79,900 (-11.0%) $112,702 (-13.5%) 0.00 175
    2018-02-01 $79,900 (-11.1%) $119,694 (0.4%) 0.00 177
    2018-03-01 $79,900 (-11.1%) $118,156 (-3.6%) 0.00 174
    2018-04-01 $82,225 (-13.4%) $119,630 (-5.6%) 0.00 186
    2018-05-01 $80,417 (-10.6%) $122,472 (-2.2%) 0.00 200
    2018-06-01 $88,250 (-1.6%) $130,545 (6.0%) 0.00 185
    2018-07-01 $95,325 (10.6%) $133,442 (10.9%) 0.00 193
    2018-08-01 $94,450 (11.2%) $133,663 (10.4%) 0.00 196
    2018-09-01 $88,750 (4.5%) $132,401 (6.7%) 0.00 201
    2018-10-01 $84,900 (0.0%) $129,332 (4.3%) 0.00 215
    2018-11-01 $84,100 (-0.4%) $126,947 (5.9%) 0.00 198
    2018-12-01 $80,000 (0.0%) $123,104 (5.1%) 0.00 192
    2019-01-01 $79,900 (0.0%) $120,403 (6.8%) 0.00 182
    2019-02-01 $79,825 (-0.1%) $118,598 (-0.9%) 0.00 175
    2019-03-01 $79,843 (-0.1%) $115,500 (-2.3%) 0.00 179
    2019-04-01 $79,900 (-2.8%) $111,237 (-7.0%) 0.00 179
    2019-05-01 $84,900 (5.6%) $113,346 (-7.5%) 0.00 194
    2019-06-01 $79,900 (-9.5%) $109,843 (-15.9%) 0.00 189
    2019-07-01 $82,850 (-13.1%) $113,650 (-14.8%) 0.00 194
    2019-08-01 $84,118 (-10.9%) $113,204 (-15.3%) 0.00 198
    2019-09-01 $81,745 (-7.9%) $112,523 (-15.0%) 0.00 201
    2019-10-01 $79,425 (-6.5%) $111,803 (-13.6%) 0.00 199
    2019-11-01 $77,900 (-7.4%) $107,780 (-15.1%) 0.00 194
    2019-12-01 $82,250 (2.8%) $106,977 (-13.1%) 0.00 180
    2020-01-01 $81,250 (1.7%) $104,920 (-12.9%) 0.00 171
    2020-02-01 $79,750 (-0.1%) $104,810 (-11.6%) 0.00 173
    2020-03-01 $85,925 (7.6%) $107,045 (-7.3%) 0.00 177
    2020-04-01 $84,900 (6.3%) $105,783 (-4.9%) 0.00 167
    2020-05-01 $82,450 (-2.9%) $105,032 (-7.3%) 0.00 163
    2020-06-01 $83,700 (4.8%) $106,262 (-3.3%) 0.00 157
    2020-07-01 $85,175 (2.8%) $109,735 (-3.5%) 0.00 149
    2020-08-01 $84,900 (0.9%) $115,404 (1.9%) 0.00 123
    2020-09-01 $84,225 (3.0%) $116,503 (3.5%) 0.00 113
    2020-10-01 $80,000 (0.7%) $120,357 (7.7%) 0.00 105
    2020-11-01 $81,200 (4.2%) $118,535 (10.0%) 0.00 95
    2020-12-01 $75,925 (-7.7%) $116,390 (8.8%) 0.00 82
    2021-01-01 $79,450 (-2.2%) $118,448 (12.9%) 0.00 71
    2021-02-01 $72,650 (-8.9%) $112,705 (7.5%) 0.00 59
    2021-03-01 $73,400 (-14.6%) $115,767 (8.2%) 0.00 48
    2021-04-01 $79,050 (-6.9%) $120,190 (13.6%) 0.00 46
    2021-05-01 $99,750 (21.0%) $136,801 (30.3%) 0.00 49
    2021-06-01 $97,300 (16.3%) $140,846 (32.6%) 0.00 61
    2021-07-01 $111,325 (30.7%) $152,092 (38.6%) 0.00 62
    2021-08-01 $122,463 (44.2%) $173,112 (50.0%) 0.00 63
    2021-09-01 $125,688 (49.2%) $175,463 (50.6%) 0.00 63
    2021-10-01 $122,950 (53.7%) $163,660 (36.0%) 0.00 70
    2021-11-01 $130,700 (61.0%) $175,964 (48.5%) 0.00 59
    2021-12-01 $126,950 (67.2%) $169,089 (45.3%) 0.00 61
    2022-01-01 $129,000 (62.4%) $177,114 (49.5%) 0.00 51
    2022-02-01 $139,450 (92.0%) $188,837 (67.6%) 0.00 46
    2022-03-01 $139,475 (90.0%) $176,995 (52.9%) 0.00 47
    2022-04-01 $127,400 (61.2%) $175,535 (46.1%) 0.00 47
    2022-05-01 $133,725 (34.1%) $172,846 (26.4%) 0.00 50
    2022-06-01 $131,175 (34.8%) $183,125 (30.0%) 0.00 54
    2022-07-01 $129,900 (16.7%) $193,838 (27.5%) 0.00 69
    2022-08-01 $135,650 (10.8%) $190,332 (10.0%) 0.00 73
    2022-09-01 $131,175 (4.4%) $181,452 (3.4%) 0.00 69
    2022-10-01 $132,450 (7.7%) $170,455 (4.2%) 0.00 77
    2022-11-01 $133,725 (2.3%) $165,913 (-5.7%) 0.00 71
    2022-12-01 $129,900 (2.3%) $158,892 (-6.0%) 0.00 64
    2023-01-01 $131,150 (1.7%) $151,105 (-14.7%) 0.00 62
    2023-02-01 $124,675 (-10.6%) $149,541 (-20.8%) 0.00 59
    2023-03-01 $130,000 (-6.8%) $154,148 (-12.9%) 0.00 58
    2023-04-01 $154,500 (21.3%) $185,641 (5.8%) 0.00 54
    2023-05-01 $164,750 (23.2%) $178,284 (3.2%) 0.00 63
    2023-06-01 $161,250 (22.9%) $173,817 (-5.1%) 0.00 65
    2023-07-01 $149,450 (15.1%) $190,927 (-1.5%) 0.00 56
    2023-08-01 $144,950 (6.9%) $192,441 (1.1%) 0.00 59
    2023-09-01 $142,400 (8.6%) $183,228 (1.0%) 0.00 58
    2023-10-01 $147,250 (11.2%) $187,889 (10.2%) 0.00 65
    2023-11-01 $154,250 (15.4%) $189,525 (14.2%) 0.00 65
    2023-12-01 $159,000 (22.4%) $187,586 (18.1%) 0.00 68
    2024-01-01 $175,000 (33.4%) $202,333 (33.9%) 0.00 58
    2024-02-01 $181,000 (45.2%) $196,443 (31.4%) 0.00 50
    2024-03-01 $169,000 (30.0%) $187,270 (21.5%) 0.00 48
    Bradford's median listing price for 2024-03-01 was $169,000, a difference of $39,000 (30.0%) versus the prior year and $-12,000 versus the prior month.

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

    Bradford's average listing price for 2024-03-01 was $187,270, a difference of $33,122 (21.5%) versus the prior year and $-9,173 versus the prior month.

    For the 2024-03-01 period, Bradford had 48 MLS listings, a difference of -2 listings (-4%) versus the prior month and -10 listings (-17%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bradford (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,600 sqft
    2018-02-01 0 days 1,600 sqft
    2018-03-01 0 days 1,600 sqft
    2018-04-01 0 days 1,619 sqft
    2018-05-01 0 days 1,636 sqft
    2018-06-01 0 days 1,654 sqft
    2018-07-01 0 days 1,652 sqft
    2018-08-01 0 days 1,613 sqft
    2018-09-01 0 days 1,572 sqft
    2018-10-01 0 days 1,552 sqft
    2018-11-01 0 days 1,524 sqft
    2018-12-01 0 days 1,508 sqft
    2019-01-01 0 days 1,504 sqft
    2019-02-01 0 days 1,504 sqft
    2019-03-01 0 days 1,507 sqft
    2019-04-01 0 days 1,507 sqft
    2019-05-01 0 days 1,526 sqft
    2019-06-01 0 days 1,535 sqft
    2019-07-01 0 days 1,600 sqft
    2019-08-01 0 days 1,615 sqft
    2019-09-01 0 days 1,606 sqft
    2019-10-01 0 days 1,601 sqft
    2019-11-01 0 days 1,568 sqft
    2019-12-01 0 days 1,567 sqft
    2020-01-01 0 days 1,544 sqft
    2020-02-01 0 days 1,524 sqft
    2020-03-01 0 days 1,555 sqft
    2020-04-01 0 days 1,562 sqft
    2020-05-01 0 days 1,564 sqft
    2020-06-01 0 days 1,552 sqft
    2020-07-01 0 days 1,558 sqft
    2020-08-01 0 days 1,564 sqft
    2020-09-01 0 days 1,547 sqft
    2020-10-01 0 days 1,556 sqft
    2020-11-01 0 days 1,520 sqft
    2020-12-01 0 days 1,548 sqft
    2021-01-01 0 days 1,544 sqft
    2021-02-01 0 days 1,538 sqft
    2021-03-01 0 days 1,540 sqft
    2021-04-01 0 days 1,672 sqft
    2021-05-01 0 days 1,756 sqft
    2021-06-01 0 days 1,557 sqft
    2021-07-01 0 days 1,716 sqft
    2021-08-01 0 days 1,737 sqft
    2021-09-01 0 days 1,792 sqft
    2021-10-01 0 days 1,776 sqft
    2021-11-01 0 days 1,817 sqft
    2021-12-01 0 days 1,697 sqft
    2022-01-01 0 days 1,698 sqft
    2022-02-01 0 days 1,792 sqft
    2022-03-01 0 days 1,790 sqft
    2022-04-01 0 days 1,798 sqft
    2022-05-01 0 days 1,726 sqft
    2022-06-01 0 days 1,654 sqft
    2022-07-01 0 days 1,695 sqft
    2022-08-01 0 days 1,695 sqft
    2022-09-01 0 days 1,565 sqft
    2022-10-01 0 days 1,561 sqft
    2022-11-01 0 days 1,553 sqft
    2022-12-01 0 days 1,567 sqft
    2023-01-01 0 days 1,565 sqft
    2023-02-01 0 days 1,570 sqft
    2023-03-01 0 days 1,640 sqft
    2023-04-01 0 days 1,794 sqft
    2023-05-01 0 days 1,778 sqft
    2023-06-01 0 days 1,794 sqft
    2023-07-01 0 days 1,800 sqft
    2023-08-01 0 days 1,728 sqft
    2023-09-01 0 days 1,581 sqft
    2023-10-01 0 days 1,648 sqft
    2023-11-01 0 days 1,688 sqft
    2023-12-01 0 days 1,832 sqft
    2024-01-01 0 days 1,965 sqft
    2024-02-01 0 days 1,936 sqft
    2024-03-01 0 days 1,898 sqft
    Bradford's median listing age (time on market) for 2024-03-01 was 0 days.

    Bradford's median square footage for active listings during the 2024-03-01 period was 1,898 sqft. One year prior, the average listing was 1,640 sqft.