Celina USDA Loan Rates, Closing Costs & Stats

Celina, OH

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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.

    Celina's 6 lenders originated 14 USDA loans during 2023. The total origination value was $2,170,000, with an average USDA loan value of $155,000.

    Celina USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Celina averaged 6.9% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

    Celina's average USDA mortgage closing costs are $4,886.

    The average rate for the prior week (2024-04-12) was 6.65% and one month ago for the week of 2024-03-15, the average rate was 6.84%.

    The average rate one year ago was 6.28%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.76%.

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

    Celina 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 Celina level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CROSSCOUNTRY MORTGAGE, LLC 3 6.21% $8,115
    Superior Credit Union, Inc. 3 7.08% $4,004
    Western Ohio Mortgage Corporation 3 7.42% $6,192
    NEWREZ LLC 2 7.00% $3,837
    Carrington Mortgage Services, LLC 1 7.25% $7,723
    TOP FLITE FINANCIAL, INC. 1 6.63% $11,985

    The top Celina USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 3 USDA loans originated. Their average total fees are $8,115, which is $4,111 higher than the next largest lender, Superior Credit Union, Inc..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Celina (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 $154,725 (2.3%) $231,757 (17.0%) 0.00 120
    2018-02-01 $158,000 (5.4%) $234,889 (17.5%) 0.00 136
    2018-03-01 $157,000 (9.7%) $212,584 (2.8%) 0.00 147
    2018-04-01 $160,425 (8.0%) $212,627 (4.8%) 0.00 134
    2018-05-01 $159,900 (7.2%) $210,184 (2.7%) 0.00 132
    2018-06-01 $168,900 (6.3%) $212,897 (3.9%) 0.00 139
    2018-07-01 $171,950 (12.8%) $211,712 (4.1%) 0.00 126
    2018-08-01 $161,200 (4.9%) $207,726 (1.8%) 0.00 132
    2018-09-01 $158,000 (1.9%) $191,757 (-12.9%) 0.00 114
    2018-10-01 $154,000 (-0.6%) $192,059 (-15.0%) 0.00 118
    2018-11-01 $166,950 (11.3%) $193,595 (-13.5%) 0.00 121
    2018-12-01 $160,900 (1.2%) $186,980 (-19.4%) 0.00 121
    2019-01-01 $143,125 (-7.5%) $162,746 (-29.8%) 0.00 103
    2019-02-01 $146,050 (-7.6%) $156,519 (-33.4%) 0.00 96
    2019-03-01 $144,679 (-7.9%) $160,381 (-24.6%) 0.00 93
    2019-04-01 $146,554 (-8.7%) $162,651 (-23.5%) 0.00 94
    2019-05-01 $136,150 (-14.9%) $166,765 (-20.7%) 0.00 89
    2019-06-01 $142,200 (-15.8%) $171,311 (-19.5%) 0.00 90
    2019-07-01 $151,425 (-11.9%) $186,088 (-12.1%) 0.00 91
    2019-08-01 $148,591 (-7.8%) $191,096 (-8.0%) 0.00 106
    2019-09-01 $144,377 (-8.6%) $180,351 (-6.0%) 0.00 110
    2019-10-01 $145,518 (-5.5%) $178,774 (-6.9%) 0.00 111
    2019-11-01 $146,950 (-12.0%) $183,270 (-5.3%) 0.00 96
    2019-12-01 $141,400 (-12.1%) $184,628 (-1.3%) 0.00 90
    2020-01-01 $149,650 (4.6%) $187,827 (15.4%) 0.00 73
    2020-02-01 $170,000 (16.4%) $213,517 (36.4%) 0.00 64
    2020-03-01 $176,000 (21.7%) $230,986 (44.0%) 0.00 69
    2020-04-01 $170,700 (16.5%) $227,109 (39.6%) 0.00 66
    2020-05-01 $170,000 (24.9%) $231,470 (38.8%) 0.00 59
    2020-06-01 $176,950 (24.4%) $231,618 (35.2%) 0.00 56
    2020-07-01 $159,900 (5.6%) $215,798 (16.0%) 0.00 60
    2020-08-01 $171,500 (15.4%) $231,225 (21.0%) 0.00 49
    2020-09-01 $167,200 (15.8%) $228,025 (26.4%) 0.00 47
    2020-10-01 $169,900 (16.8%) $220,412 (23.3%) 0.00 45
    2020-11-01 $147,225 (0.2%) $212,728 (16.1%) 0.00 46
    2020-12-01 $154,700 (9.4%) $221,621 (20.0%) 0.00 46
    2021-01-01 $166,450 (11.2%) $223,362 (18.9%) 0.00 43
    2021-02-01 $158,700 (-6.7%) $233,449 (9.3%) 0.00 28
    2021-03-01 $172,400 (-2.1%) $252,131 (9.2%) 0.00 28
    2021-04-01 $168,175 (-1.5%) $267,436 (17.8%) 0.00 30
    2021-05-01 $202,450 (19.1%) $291,697 (26.0%) 0.00 24
    2021-06-01 $204,950 (15.8%) $285,414 (23.2%) 0.00 24
    2021-07-01 $182,500 (14.1%) $262,719 (21.7%) 0.00 29
    2021-08-01 $198,500 (15.7%) $256,876 (11.1%) 0.00 35
    2021-09-01 $192,450 (15.1%) $257,159 (12.8%) 0.00 32
    2021-10-01 $177,400 (4.4%) $232,189 (5.3%) 0.00 35
    2021-11-01 $176,225 (19.7%) $211,287 (-0.7%) 0.00 31
    2021-12-01 $203,675 (31.7%) $221,820 (0.1%) 0.00 31
    2022-01-01 $195,000 (17.2%) $249,506 (11.7%) 0.00 32
    2022-02-01 $196,225 (23.7%) $349,227 (49.6%) 0.00 24
    2022-03-01 $189,375 (9.9%) $341,069 (35.3%) 0.00 19
    2022-04-01 $185,400 (10.2%) $367,414 (37.4%) 0.00 20
    2022-05-01 $216,200 (6.8%) $305,561 (4.8%) 0.00 28
    2022-06-01 $204,250 (-0.3%) $296,882 (4.0%) 0.00 29
    2022-07-01 $189,900 (4.1%) $286,208 (8.9%) 0.00 30
    2022-08-01 $187,500 (-5.5%) $269,085 (4.8%) 0.00 32
    2022-09-01 $186,150 (-3.3%) $275,524 (7.1%) 0.00 34
    2022-10-01 $216,900 (22.3%) $305,921 (31.8%) 0.00 27
    2022-11-01 $223,425 (26.8%) $265,183 (25.5%) 0.00 28
    2022-12-01 $249,900 (22.7%) $254,508 (14.7%) 0.00 22
    2023-01-01 $210,750 (8.1%) $245,965 (-1.4%) 0.00 21
    2023-02-01 $206,150 (5.1%) $245,554 (-29.7%) 0.00 19
    2023-03-01 $204,900 (8.2%) $239,861 (-29.7%) 0.00 20
    2023-04-01 $190,200 (2.6%) $243,199 (-33.8%) 0.00 20
    2023-05-01 $192,850 (-10.8%) $235,229 (-23.0%) 0.00 17
    2023-06-01 $234,900 (15.0%) $282,280 (-4.9%) 0.00 27
    2023-07-01 $209,900 (10.5%) $253,746 (-11.3%) 0.00 22
    2023-08-01 $184,000 (-1.9%) $245,076 (-8.9%) 0.00 27
    2023-09-01 $217,450 (16.8%) $290,616 (5.5%) 0.00 35
    2023-10-01 $184,925 (-14.7%) $281,560 (-8.0%) 0.00 34
    2023-11-01 $180,000 (-19.4%) $259,569 (-2.1%) 0.00 33
    2023-12-01 $184,900 (-26.0%) $311,845 (22.5%) 0.00 31
    2024-01-01 $189,750 (-10.0%) $298,844 (21.5%) 0.00 30
    2024-02-01 $231,200 (12.2%) $311,414 (26.8%) 0.00 28
    2024-03-01 $225,000 (9.8%) $324,030 (35.1%) 0.00 27
    Celina's median listing price for 2024-03-01 was $225,000, a difference of $20,100 (9.8%) versus the prior year and $-6,200 versus the prior month.

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

    Celina's average listing price for 2024-03-01 was $324,030, a difference of $84,169 (35.1%) versus the prior year and $12,616 versus the prior month.

    For the 2024-03-01 period, Celina had 27 MLS listings, a difference of -1 listings (-4%) versus the prior month and 7 listings (35%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Celina (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,550 sqft
    2018-02-01 0 days 1,582 sqft
    2018-03-01 0 days 1,571 sqft
    2018-04-01 0 days 1,590 sqft
    2018-05-01 0 days 1,588 sqft
    2018-06-01 0 days 1,670 sqft
    2018-07-01 0 days 1,651 sqft
    2018-08-01 0 days 1,685 sqft
    2018-09-01 0 days 1,632 sqft
    2018-10-01 0 days 1,677 sqft
    2018-11-01 0 days 1,749 sqft
    2018-12-01 0 days 1,745 sqft
    2019-01-01 0 days 1,634 sqft
    2019-02-01 0 days 1,634 sqft
    2019-03-01 0 days 1,593 sqft
    2019-04-01 0 days 1,518 sqft
    2019-05-01 0 days 1,519 sqft
    2019-06-01 0 days 1,385 sqft
    2019-07-01 0 days 1,540 sqft
    2019-08-01 0 days 1,507 sqft
    2019-09-01 0 days 1,449 sqft
    2019-10-01 0 days 1,410 sqft
    2019-11-01 0 days 1,416 sqft
    2019-12-01 0 days 1,533 sqft
    2020-01-01 0 days 1,554 sqft
    2020-02-01 0 days 1,626 sqft
    2020-03-01 0 days 1,632 sqft
    2020-04-01 0 days 1,626 sqft
    2020-05-01 0 days 1,632 sqft
    2020-06-01 0 days 1,635 sqft
    2020-07-01 0 days 1,611 sqft
    2020-08-01 0 days 1,667 sqft
    2020-09-01 0 days 1,675 sqft
    2020-10-01 0 days 1,604 sqft
    2020-11-01 0 days 1,412 sqft
    2020-12-01 0 days 1,399 sqft
    2021-01-01 0 days 1,469 sqft
    2021-02-01 0 days 1,360 sqft
    2021-03-01 0 days 1,521 sqft
    2021-04-01 0 days 1,565 sqft
    2021-05-01 0 days 1,640 sqft
    2021-06-01 0 days 1,741 sqft
    2021-07-01 0 days 1,735 sqft
    2021-08-01 0 days 1,775 sqft
    2021-09-01 0 days 1,743 sqft
    2021-10-01 0 days 1,536 sqft
    2021-11-01 0 days 1,477 sqft
    2021-12-01 0 days 1,530 sqft
    2022-01-01 0 days 1,524 sqft
    2022-02-01 0 days 1,638 sqft
    2022-03-01 0 days 1,427 sqft
    2022-04-01 0 days 1,392 sqft
    2022-05-01 0 days 1,541 sqft
    2022-06-01 0 days 1,605 sqft
    2022-07-01 0 days 1,531 sqft
    2022-08-01 0 days 1,500 sqft
    2022-09-01 0 days 1,544 sqft
    2022-10-01 0 days 1,618 sqft
    2022-11-01 0 days 1,637 sqft
    2022-12-01 0 days 1,717 sqft
    2023-01-01 0 days 1,683 sqft
    2023-02-01 0 days 1,596 sqft
    2023-03-01 0 days 1,580 sqft
    2023-04-01 0 days 1,559 sqft
    2023-05-01 0 days 1,551 sqft
    2023-06-01 0 days 1,594 sqft
    2023-07-01 0 days 1,460 sqft
    2023-08-01 0 days 1,569 sqft
    2023-09-01 0 days 1,470 sqft
    2023-10-01 0 days 1,506 sqft
    2023-11-01 0 days 1,414 sqft
    2023-12-01 0 days 1,632 sqft
    2024-01-01 0 days 1,569 sqft
    2024-02-01 0 days 1,692 sqft
    2024-03-01 0 days 1,705 sqft
    Celina's median listing age (time on market) for 2024-03-01 was 0 days.

    Celina's median square footage for active listings during the 2024-03-01 period was 1,705 sqft. One year prior, the average listing was 1,580 sqft.