Brunswick USDA Loan Rates, Closing Costs & Stats

BRUNSWICK, GA

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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.

    Brunswick's 22 lenders originated 44 USDA loans during 2021. The total origination value was $8,260,000, with an average USDA loan value of $187,727.

    Brunswick USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Brunswick averaged 6.21% for the week of 2022-12-02, compared to the national average (all USDA variants) of 6.437% for the same period.

    Brunswick's average USDA mortgage closing costs are $5,276.

    The average rate for the prior week (2022-11-25) was 6.54% and one month ago for the week of 2022-10-28, the average rate was 7.02%.

    The average rate one year ago was 3.21%.

    For refis of the same type during the week of 2022-12-02, the average rate was 6.05%.

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

    Brunswick 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 Brunswick level.

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
    HOMESTAR FINANCIAL CORPORATION 7 2.93% $3,975
    HOME POINT FINANCIAL CORPORATION 6 2.56% $6,483
    BAY EQUITY LLC 4 2.75% $7,791
    Austin Capital Bank SSB 3 3.00% $6,178
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 2.92% $6,266
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 2.75% $5,512
    Blue Ridge Bank 2 2.88% $3,874
    STOCKTON MORTGAGE CORPORATION 2 2.94% $6,171
    Citizens Bank 2 3.25% $6,887
    BANKSOUTH MORTGAGE COMPANY, LLC 1 2.63% $9,029
    INSPIRE HOME LOANS INC. 1 2.75% $6,306
    LOANDEPOT.COM, LLC 1 2.50% $10,384
    Regions Bank 1 2.75% $5,943
    Renasant Bank 1 2.63% $5,239
    STEARNS LENDING, LLC 1 2.75% $5,535
    SWBC MORTGAGE CORPORATION 1 2.75% $2,016
    TOWNE MORTGAGE COMPANY 1 3.00% $5,122
    United Community Bank 1 2.38% $6,930
    Capital City Home Loans, LLC 1 3.25% $5,625
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.25% $6,414
    First Federal Bank 1 2.88% $6,811
    GUARANTEED RATE, INC. 1 2.88% $5,044

    The top Brunswick USDA lender as defined by loan originations is HOMESTAR FINANCIAL CORPORATION, with 7 USDA loans originated. Their average total fees are $3,975, which is $2,507 lower than the next largest lender, HOME POINT FINANCIAL CORPORATION.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Brunswick (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 $344,500 (-1.0%) $702,849 (1.7%) 0.00 1,061
    2018-02-01 $344,950 (-1.4%) $682,808 (-1.4%) 0.00 1,143
    2018-03-01 $344,700 (-1.5%) $693,006 (-0.9%) 0.00 1,216
    2018-04-01 $347,450 (-1.2%) $683,012 (-3.3%) 0.00 1,267
    2018-05-01 $349,900 (-1.2%) $683,108 (-5.3%) 0.00 1,271
    2018-06-01 $358,895 (2.5%) $685,152 (-6.1%) 0.00 1,286
    2018-07-01 $372,495 (8.0%) $700,476 (-1.3%) 0.00 1,273
    2018-08-01 $349,900 (2.3%) $673,829 (-4.2%) 0.00 1,397
    2018-09-01 $379,500 (9.4%) $706,021 (0.1%) 0.00 1,174
    2018-10-01 $379,800 (9.5%) $710,591 (0.5%) 0.00 1,146
    2018-11-01 $374,375 (7.1%) $684,218 (-2.4%) 0.00 1,139
    2018-12-01 $359,000 (2.6%) $672,198 (-4.9%) 0.00 1,132
    2019-01-01 $349,948 (1.6%) $672,200 (-4.4%) 0.00 1,117
    2019-02-01 $349,900 (1.4%) $677,362 (-0.8%) 0.00 1,162
    2019-03-01 $360,657 (4.6%) $698,831 (0.8%) 0.00 1,175
    2019-04-01 $374,900 (7.9%) $720,339 (5.5%) 0.00 1,166
    2019-05-01 $377,500 (7.9%) $719,512 (5.3%) 0.00 1,199
    2019-06-01 $379,900 (5.9%) $721,220 (5.3%) 0.00 1,193
    2019-07-01 $385,000 (3.4%) $742,897 (6.1%) 0.00 1,137
    2019-08-01 $383,364 (9.6%) $748,665 (11.1%) 0.00 1,081
    2019-09-01 $380,909 (0.4%) $747,208 (5.8%) 0.00 1,055
    2019-10-01 $377,225 (-0.7%) $745,773 (5.0%) 0.00 1,038
    2019-11-01 $375,000 (0.2%) $736,360 (7.6%) 0.00 1,033
    2019-12-01 $375,000 (4.5%) $721,473 (7.3%) 0.00 1,011
    2020-01-01 $379,000 (8.3%) $704,730 (4.8%) 0.00 961
    2020-02-01 $382,000 (9.2%) $699,040 (3.2%) 0.00 1,062
    2020-03-01 $384,950 (6.7%) $686,119 (-1.8%) 0.00 1,106
    2020-04-01 $380,475 (1.5%) $675,054 (-6.3%) 0.00 1,102
    2020-05-01 $386,500 (2.4%) $668,408 (-7.1%) 0.00 1,085
    2020-06-01 $397,000 (4.5%) $683,505 (-5.2%) 0.00 1,021
    2020-07-01 $399,000 (3.6%) $698,127 (-6.0%) 0.00 956
    2020-08-01 $390,000 (1.7%) $707,634 (-5.5%) 0.00 847
    2020-09-01 $382,000 (0.3%) $704,547 (-5.7%) 0.00 788
    2020-10-01 $375,000 (-0.6%) $693,280 (-7.0%) 0.00 741
    2020-11-01 $362,450 (-3.4%) $684,242 (-7.1%) 0.00 698
    2020-12-01 $359,400 (-4.2%) $694,278 (-3.8%) 0.00 641
    2021-01-01 $357,500 (-5.7%) $723,051 (2.6%) 0.00 599
    2021-02-01 $349,975 (-8.4%) $700,791 (0.3%) 0.00 554
    2021-03-01 $344,000 (-10.6%) $705,359 (2.8%) 0.00 522
    2021-04-01 $346,950 (-8.8%) $707,109 (4.8%) 0.00 488
    2021-05-01 $329,950 (-14.6%) $728,175 (8.9%) 0.00 491
    2021-06-01 $346,500 (-12.7%) $691,303 (1.1%) 0.00 471
    2021-07-01 $349,900 (-12.3%) $698,969 (0.1%) 0.00 455
    2021-08-01 $355,161 (-8.9%) $672,419 (-5.0%) 0.00 473
    2021-09-01 $362,175 (-5.2%) $690,469 (-2.0%) 0.00 475
    2021-10-01 $375,000 (0.0%) $693,083 (0.0%) 0.00 447
    2021-11-01 $383,888 (5.9%) $704,691 (3.0%) 0.00 453
    2021-12-01 $399,900 (11.3%) $747,714 (7.7%) 0.00 400
    2022-01-01 $419,450 (17.3%) $760,651 (5.2%) 0.00 367
    2022-02-01 $435,000 (24.3%) $730,091 (4.2%) 0.00 366
    2022-03-01 $399,675 (16.2%) $747,548 (6.0%) 0.00 352
    2022-04-01 $379,900 (9.5%) $838,593 (18.6%) 0.00 347
    2022-05-01 $397,875 (20.6%) $865,884 (18.9%) 0.00 375
    2022-06-01 $388,900 (12.2%) $829,824 (20.0%) 0.00 387
    2022-07-01 $412,400 (17.9%) $763,894 (9.3%) 0.00 403
    2022-08-01 $412,200 (16.1%) $788,656 (17.3%) 0.00 417
    2022-09-01 $419,248 (15.8%) $802,177 (16.2%) 0.00 425
    2022-10-01 $399,900 (6.6%) $857,190 (23.7%) 0.00 453
    2022-11-01 $398,850 (3.9%) $816,273 (15.8%) 0.00 470
    Brunswick's median listing price for 2022-11-01 was $398,850, a difference of $14,962 (3.9%) versus the prior year and $-1,050 versus the prior month.

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

    Brunswick's average listing price for 2022-11-01 was $816,273, a difference of $111,582 (15.8%) versus the prior year and $-40,917 versus the prior month.

    For the 2022-11-01 period, Brunswick had 470 MLS listings, a difference of 17 listings (4%) versus the prior month and 17 listings (4%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Brunswick (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,144 sqft
    2018-02-01 0 days 2,115 sqft
    2018-03-01 0 days 2,100 sqft
    2018-04-01 0 days 2,107 sqft
    2018-05-01 0 days 2,152 sqft
    2018-06-01 0 days 2,188 sqft
    2018-07-01 0 days 2,200 sqft
    2018-08-01 0 days 2,210 sqft
    2018-09-01 0 days 2,208 sqft
    2018-10-01 0 days 2,208 sqft
    2018-11-01 0 days 2,188 sqft
    2018-12-01 0 days 2,118 sqft
    2019-01-01 0 days 2,095 sqft
    2019-02-01 0 days 2,061 sqft
    2019-03-01 0 days 2,105 sqft
    2019-04-01 0 days 2,163 sqft
    2019-05-01 0 days 2,171 sqft
    2019-06-01 0 days 2,201 sqft
    2019-07-01 0 days 2,200 sqft
    2019-08-01 0 days 2,201 sqft
    2019-09-01 0 days 2,201 sqft
    2019-10-01 0 days 2,202 sqft
    2019-11-01 0 days 2,154 sqft
    2019-12-01 0 days 2,149 sqft
    2020-01-01 0 days 2,120 sqft
    2020-02-01 0 days 2,065 sqft
    2020-03-01 0 days 2,055 sqft
    2020-04-01 0 days 2,094 sqft
    2020-05-01 0 days 2,116 sqft
    2020-06-01 0 days 2,137 sqft
    2020-07-01 0 days 2,101 sqft
    2020-08-01 0 days 2,080 sqft
    2020-09-01 0 days 2,052 sqft
    2020-10-01 0 days 2,063 sqft
    2020-11-01 0 days 2,014 sqft
    2020-12-01 0 days 1,994 sqft
    2021-01-01 0 days 2,000 sqft
    2021-02-01 0 days 2,003 sqft
    2021-03-01 0 days 2,009 sqft
    2021-04-01 0 days 1,951 sqft
    2021-05-01 0 days 1,924 sqft
    2021-06-01 0 days 1,926 sqft
    2021-07-01 0 days 1,937 sqft
    2021-08-01 0 days 1,995 sqft
    2021-09-01 0 days 1,953 sqft
    2021-10-01 0 days 2,035 sqft
    2021-11-01 0 days 2,037 sqft
    2021-12-01 0 days 2,116 sqft
    2022-01-01 0 days 2,123 sqft
    2022-02-01 0 days 2,035 sqft
    2022-03-01 0 days 1,937 sqft
    2022-04-01 0 days 1,922 sqft
    2022-05-01 0 days 2,038 sqft
    2022-06-01 0 days 1,982 sqft
    2022-07-01 0 days 1,990 sqft
    2022-08-01 0 days 1,965 sqft
    2022-09-01 0 days 2,033 sqft
    2022-10-01 0 days 2,029 sqft
    2022-11-01 0 days 1,994 sqft
    Brunswick's median listing age (time on market) for 2022-11-01 was 0 days.

    Brunswick's median square footage for active listings during the 2022-11-01 period was 1,994 sqft. One year prior, the average listing was 2,037 sqft.