Deridder USDA Loan Rates, Closing Costs & Stats

DeRidder, LA

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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.

    Deridder's 10 lenders originated 22 USDA loans during 2023. The total origination value was $3,230,000, with an average USDA loan value of $146,818.

    Deridder USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Deridder averaged 6.59% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Deridder's average USDA mortgage closing costs are $4,628.

    The average rate for the prior week (2025-02-07) was 6.35% and one month ago for the week of 2025-01-10, the average rate was 6.5%.

    The average rate one year ago was 6.49%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.43%.

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

    Deridder 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 Deridder level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    EUSTIS AND AMERICAN MORTGAGE COMPANY 6 6.85% $5,078
    MORTGAGE FINANCIAL SERVICES, LLC 5 6.20% $5,249
    NEWREZ LLC 2 7.31% $5,663
    Sabine State Bank and Trust Company 1 5.41% $4,166
    THE MORTGAGE FIRM, INC. 1 6.88% $5,384
    UNION HOME MORTGAGE CORP. 1 5.50% $4,919
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $6,459
    UNITED WHOLESALE MORTGAGE, LLC 1 5.72% $5,532
    GMFS LLC 1 6.13% $2,980
    NTFN, INC. 1 6.50% $9,114

    The top Deridder USDA lender as defined by loan originations is EUSTIS AND AMERICAN MORTGAGE COMPANY, with 6 USDA loans originated. Their average total fees are $5,078, which is $171 lower than the next largest lender, MORTGAGE FINANCIAL SERVICES, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Deridder (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 $173,475 (2.4%) $186,754 (1.8%) 0.00 234
    2018-02-01 $179,000 (5.8%) $188,240 (2.2%) 0.00 222
    2018-03-01 $172,950 (3.0%) $188,077 (-0.5%) 0.00 222
    2018-04-01 $179,500 (4.4%) $192,424 (1.4%) 0.00 228
    2018-05-01 $180,500 (3.2%) $193,180 (-2.5%) 0.00 219
    2018-06-01 $184,900 (3.7%) $194,450 (-3.8%) 0.00 211
    2018-07-01 $185,729 (6.1%) $200,908 (3.9%) 0.00 225
    2018-08-01 $184,850 (4.3%) $201,867 (0.9%) 0.00 238
    2018-09-01 $185,358 (5.9%) $203,658 (-1.0%) 0.00 232
    2018-10-01 $187,975 (7.4%) $204,279 (1.3%) 0.00 217
    2018-11-01 $181,500 (3.6%) $205,171 (3.7%) 0.00 208
    2018-12-01 $180,000 (2.9%) $207,765 (7.3%) 0.00 208
    2019-01-01 $180,725 (4.2%) $207,168 (10.9%) 0.00 191
    2019-02-01 $179,925 (0.5%) $203,693 (8.2%) 0.00 184
    2019-03-01 $183,943 (6.4%) $204,822 (8.9%) 0.00 174
    2019-04-01 $187,600 (4.5%) $205,700 (6.9%) 0.00 170
    2019-05-01 $179,750 (-0.4%) $213,673 (10.6%) 0.00 173
    2019-06-01 $185,000 (0.1%) $220,472 (13.4%) 0.00 181
    2019-07-01 $179,675 (-3.3%) $213,433 (6.2%) 0.00 175
    2019-08-01 $179,777 (-2.7%) $215,287 (6.7%) 0.00 176
    2019-09-01 $179,593 (-3.1%) $218,567 (7.3%) 0.00 170
    2019-10-01 $179,225 (-4.7%) $221,445 (8.4%) 0.00 161
    2019-11-01 $193,200 (6.5%) $226,643 (10.5%) 0.00 150
    2019-12-01 $198,375 (10.2%) $227,034 (9.3%) 0.00 145
    2020-01-01 $209,900 (16.1%) $234,806 (13.3%) 0.00 145
    2020-02-01 $204,950 (13.9%) $237,824 (16.8%) 0.00 133
    2020-03-01 $205,000 (11.5%) $241,129 (17.7%) 0.00 128
    2020-04-01 $200,475 (6.9%) $234,222 (13.9%) 0.00 134
    2020-05-01 $189,900 (5.7%) $202,395 (-5.3%) 0.00 138
    2020-06-01 $199,450 (7.8%) $210,694 (-4.4%) 0.00 140
    2020-07-01 $189,925 (5.7%) $214,259 (0.4%) 0.00 126
    2020-08-01 $200,500 (11.5%) $227,478 (5.7%) 0.00 117
    2020-09-01 $212,500 (18.3%) $228,050 (4.3%) 0.00 104
    2020-10-01 $187,900 (4.8%) $214,092 (-3.3%) 0.00 86
    2020-11-01 $171,750 (-11.1%) $208,747 (-7.9%) 0.00 78
    2020-12-01 $203,500 (2.6%) $230,953 (1.7%) 0.00 74
    2021-01-01 $185,600 (-11.6%) $213,425 (-9.1%) 0.00 58
    2021-02-01 $185,275 (-9.6%) $209,069 (-12.1%) 0.00 59
    2021-03-01 $169,000 (-17.6%) $201,461 (-16.5%) 0.00 49
    2021-04-01 $191,975 (-4.2%) $226,053 (-3.5%) 0.00 48
    2021-05-01 $187,450 (-1.3%) $210,748 (4.1%) 0.00 45
    2021-06-01 $156,750 (-21.4%) $235,430 (11.7%) 0.00 48
    2021-07-01 $170,000 (-10.5%) $287,726 (34.3%) 0.00 50
    2021-08-01 $165,125 (-17.6%) $285,767 (25.6%) 0.00 55
    2021-09-01 $179,900 (-15.3%) $277,903 (21.9%) 0.00 60
    2021-10-01 $168,000 (-10.6%) $281,857 (31.7%) 0.00 58
    2021-11-01 $168,500 (-1.9%) $282,639 (35.4%) 0.00 62
    2021-12-01 $168,750 (-17.1%) $278,931 (20.8%) 0.00 61
    2022-01-01 $187,250 (0.9%) $281,707 (32.0%) 0.00 55
    2022-02-01 $159,900 (-13.7%) $297,195 (42.2%) 0.00 47
    2022-03-01 $159,900 (-5.4%) $314,584 (56.2%) 0.00 40
    2022-04-01 $195,500 (1.8%) $337,785 (49.4%) 0.00 38
    2022-05-01 $212,225 (13.2%) $228,463 (8.4%) 0.00 58
    2022-06-01 $203,425 (29.8%) $219,084 (-6.9%) 0.00 67
    2022-07-01 $210,000 (23.5%) $225,004 (-21.8%) 0.00 78
    2022-08-01 $194,875 (18.0%) $215,265 (-24.7%) 0.00 96
    2022-09-01 $193,625 (7.6%) $216,934 (-21.9%) 0.00 98
    2022-10-01 $205,000 (22.0%) $229,065 (-18.7%) 0.00 97
    2022-11-01 $230,750 (36.9%) $256,696 (-9.2%) 0.00 101
    2022-12-01 $239,450 (41.9%) $276,650 (-0.8%) 0.00 94
    2023-01-01 $230,000 (22.8%) $273,304 (-3.0%) 0.00 90
    2023-02-01 $239,675 (49.9%) $268,468 (-9.7%) 0.00 98
    2023-03-01 $245,000 (53.2%) $268,670 (-14.6%) 0.00 91
    2023-04-01 $259,000 (32.5%) $277,646 (-17.8%) 0.00 95
    2023-05-01 $239,500 (12.9%) $254,750 (11.5%) 0.00 106
    2023-06-01 $237,500 (16.8%) $267,493 (22.1%) 0.00 109
    2023-07-01 $240,000 (14.3%) $276,369 (22.8%) 0.00 119
    2023-08-01 $273,000 (40.1%) $312,810 (45.3%) 0.00 135
    2023-09-01 $265,000 (36.9%) $338,889 (56.2%) 0.00 133
    2023-10-01 $275,000 (34.2%) $349,308 (52.5%) 0.00 136
    2023-11-01 $272,000 (17.9%) $349,372 (36.1%) 0.00 142
    2023-12-01 $277,000 (15.7%) $350,666 (26.8%) 0.00 138
    2024-01-01 $265,000 (15.2%) $346,932 (26.9%) 0.00 128
    2024-02-01 $274,000 (14.3%) $344,740 (28.4%) 0.00 128
    2024-03-01 $279,900 (14.2%) $353,639 (31.6%) 0.00 132
    2024-04-01 $285,000 (10.0%) $353,235 (27.2%) 0.00 143
    2024-05-01 $277,450 (15.9%) $350,616 (37.6%) 0.00 157
    2024-06-01 $271,250 (14.2%) $341,930 (27.8%) 0.00 160
    2024-07-01 $268,125 (11.7%) $326,479 (18.1%) 0.00 163
    2024-08-01 $259,900 (-4.8%) $325,001 (3.9%) 0.00 160
    2024-09-01 $254,700 (-3.9%) $310,128 (-8.5%) 0.00 161
    2024-10-01 $253,625 (-7.8%) $325,756 (-6.7%) 0.00 172
    2024-11-01 $260,000 (-4.4%) $330,626 (-5.4%) 0.00 178
    2024-12-01 $260,950 (-5.8%) $309,590 (-11.7%) 0.00 168
    2025-01-01 $249,675 (-5.8%) $307,380 (-11.4%) 0.00 159
    Deridder's median listing price for 2025-01-01 was $249,675, a difference of $-15,325 (-5.8%) versus the prior year and $-11,275 versus the prior month.

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

    Deridder's average listing price for 2025-01-01 was $307,380, a difference of $-39,552 (-11.4%) versus the prior year and $-2,210 versus the prior month.

    For the 2025-01-01 period, Deridder had 159 MLS listings, a difference of -9 listings (-5%) versus the prior month and 31 listings (24%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Deridder (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,200 sqft
    2018-02-01 0 days 2,244 sqft
    2018-03-01 0 days 2,199 sqft
    2018-04-01 0 days 2,209 sqft
    2018-05-01 0 days 2,219 sqft
    2018-06-01 0 days 2,287 sqft
    2018-07-01 0 days 2,347 sqft
    2018-08-01 0 days 2,330 sqft
    2018-09-01 0 days 2,390 sqft
    2018-10-01 0 days 2,354 sqft
    2018-11-01 0 days 2,311 sqft
    2018-12-01 0 days 2,317 sqft
    2019-01-01 0 days 2,352 sqft
    2019-02-01 0 days 2,386 sqft
    2019-03-01 0 days 2,386 sqft
    2019-04-01 0 days 2,390 sqft
    2019-05-01 0 days 2,361 sqft
    2019-06-01 0 days 2,347 sqft
    2019-07-01 0 days 2,348 sqft
    2019-08-01 0 days 2,317 sqft
    2019-09-01 0 days 2,268 sqft
    2019-10-01 0 days 2,235 sqft
    2019-11-01 0 days 2,229 sqft
    2019-12-01 0 days 2,300 sqft
    2020-01-01 0 days 2,347 sqft
    2020-02-01 0 days 2,324 sqft
    2020-03-01 0 days 2,179 sqft
    2020-04-01 0 days 1,991 sqft
    2020-05-01 0 days 1,885 sqft
    2020-06-01 0 days 1,912 sqft
    2020-07-01 0 days 1,902 sqft
    2020-08-01 0 days 1,858 sqft
    2020-09-01 0 days 1,809 sqft
    2020-10-01 0 days 1,797 sqft
    2020-11-01 0 days 1,752 sqft
    2020-12-01 0 days 1,847 sqft
    2021-01-01 0 days 1,818 sqft
    2021-02-01 0 days 1,825 sqft
    2021-03-01 0 days 1,834 sqft
    2021-04-01 0 days 1,792 sqft
    2021-05-01 0 days 1,738 sqft
    2021-06-01 0 days 1,656 sqft
    2021-07-01 0 days 1,643 sqft
    2021-08-01 0 days 1,677 sqft
    2021-09-01 0 days 1,703 sqft
    2021-10-01 0 days 1,669 sqft
    2021-11-01 0 days 1,669 sqft
    2021-12-01 0 days 1,680 sqft
    2022-01-01 0 days 1,809 sqft
    2022-02-01 0 days 1,800 sqft
    2022-03-01 0 days 1,844 sqft
    2022-04-01 0 days 1,810 sqft
    2022-05-01 0 days 1,866 sqft
    2022-06-01 0 days 1,713 sqft
    2022-07-01 0 days 1,771 sqft
    2022-08-01 0 days 1,696 sqft
    2022-09-01 0 days 1,657 sqft
    2022-10-01 0 days 1,679 sqft
    2022-11-01 0 days 1,808 sqft
    2022-12-01 0 days 1,840 sqft
    2023-01-01 0 days 1,839 sqft
    2023-02-01 0 days 1,848 sqft
    2023-03-01 0 days 1,837 sqft
    2023-04-01 0 days 1,912 sqft
    2023-05-01 0 days 1,823 sqft
    2023-06-01 0 days 1,859 sqft
    2023-07-01 0 days 1,925 sqft
    2023-08-01 0 days 1,930 sqft
    2023-09-01 0 days 1,929 sqft
    2023-10-01 0 days 1,956 sqft
    2023-11-01 0 days 1,960 sqft
    2023-12-01 0 days 1,951 sqft
    2024-01-01 0 days 1,903 sqft
    2024-02-01 0 days 1,948 sqft
    2024-03-01 0 days 2,046 sqft
    2024-04-01 0 days 2,000 sqft
    2024-05-01 0 days 2,005 sqft
    2024-06-01 0 days 1,983 sqft
    2024-07-01 0 days 1,992 sqft
    2024-08-01 0 days 1,905 sqft
    2024-09-01 0 days 1,900 sqft
    2024-10-01 0 days 1,910 sqft
    2024-11-01 0 days 1,956 sqft
    2024-12-01 0 days 1,931 sqft
    2025-01-01 0 days 1,847 sqft
    Deridder's median listing age (time on market) for 2025-01-01 was 0 days.

    Deridder's median square footage for active listings during the 2025-01-01 period was 1,847 sqft. One year prior, the average listing was 1,903 sqft.