Findlay USDA Loan Rates, Closing Costs & Stats

Findlay, 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.

    Findlay's 4 lenders originated 9 USDA loans during 2023. The total origination value was $1,425,000, with an average USDA loan value of $158,333.

    Findlay USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Findlay averaged 6.79% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

    Findlay's average USDA mortgage closing costs are $5,227.

    The average rate for the prior week (2024-04-12) was 6.75% and one month ago for the week of 2024-03-15, the average rate was 6.53%.

    The average rate one year ago was 6.27%.

    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.

    Findlay 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 Findlay level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    LOANDEPOT.COM, LLC 4 6.81% $5,561
    GUARANTEED RATE, INC. 2 7.31% $8,130
    NEWREZ LLC 2 6.44% $4,571
    UNION HOME MORTGAGE CORP. 1 7.00% $6,126

    The top Findlay USDA lender as defined by loan originations is LOANDEPOT.COM, LLC, with 4 USDA loans originated. Their average total fees are $5,561, which is $2,569 lower than the next largest lender, GUARANTEED RATE, INC..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Findlay (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 $179,900 (20.0%) $243,234 (18.7%) 0.00 195
    2018-02-01 $169,600 (0.4%) $241,873 (9.8%) 0.00 194
    2018-03-01 $179,900 (4.9%) $242,514 (6.4%) 0.00 191
    2018-04-01 $194,350 (8.0%) $253,523 (10.7%) 0.00 191
    2018-05-01 $192,725 (15.2%) $255,756 (19.6%) 0.00 195
    2018-06-01 $189,900 (16.4%) $247,975 (19.3%) 0.00 223
    2018-07-01 $189,900 (11.9%) $248,704 (14.9%) 0.00 233
    2018-08-01 $182,400 (7.4%) $239,584 (6.2%) 0.00 235
    2018-09-01 $179,900 (8.1%) $241,138 (8.1%) 0.00 237
    2018-10-01 $186,175 (10.2%) $244,212 (8.3%) 0.00 219
    2018-11-01 $186,565 (9.8%) $243,234 (0.8%) 0.00 215
    2018-12-01 $192,900 (7.2%) $252,069 (3.8%) 0.00 180
    2019-01-01 $191,200 (6.3%) $250,416 (3.0%) 0.00 177
    2019-02-01 $183,400 (8.1%) $249,535 (3.2%) 0.00 177
    2019-03-01 $201,329 (11.9%) $262,769 (8.4%) 0.00 168
    2019-04-01 $229,550 (18.1%) $274,118 (8.1%) 0.00 173
    2019-05-01 $239,575 (24.3%) $275,554 (7.7%) 0.00 164
    2019-06-01 $221,900 (16.9%) $266,630 (7.5%) 0.00 186
    2019-07-01 $204,925 (7.9%) $262,000 (5.4%) 0.00 198
    2019-08-01 $204,518 (12.1%) $258,375 (7.8%) 0.00 202
    2019-09-01 $203,945 (13.4%) $256,838 (6.5%) 0.00 198
    2019-10-01 $203,500 (9.3%) $256,602 (5.1%) 0.00 195
    2019-11-01 $194,900 (4.5%) $246,543 (1.4%) 0.00 168
    2019-12-01 $189,850 (-1.6%) $248,804 (-1.3%) 0.00 143
    2020-01-01 $199,500 (4.3%) $259,605 (3.7%) 0.00 124
    2020-02-01 $204,875 (11.7%) $289,771 (16.1%) 0.00 97
    2020-03-01 $214,900 (6.7%) $289,619 (10.2%) 0.00 113
    2020-04-01 $203,375 (-11.4%) $287,025 (4.7%) 0.00 110
    2020-05-01 $197,900 (-17.4%) $280,875 (1.9%) 0.00 121
    2020-06-01 $262,450 (18.3%) $320,844 (20.3%) 0.00 113
    2020-07-01 $254,450 (24.2%) $316,387 (20.8%) 0.00 138
    2020-08-01 $229,900 (12.4%) $306,556 (18.7%) 0.00 133
    2020-09-01 $227,450 (11.5%) $312,289 (21.6%) 0.00 129
    2020-10-01 $209,900 (3.1%) $277,752 (8.2%) 0.00 152
    2020-11-01 $199,200 (2.2%) $277,557 (12.6%) 0.00 151
    2020-12-01 $192,900 (1.6%) $275,059 (10.6%) 0.00 136
    2021-01-01 $204,400 (2.5%) $269,601 (3.9%) 0.00 116
    2021-02-01 $209,900 (2.5%) $292,236 (0.9%) 0.00 88
    2021-03-01 $244,950 (14.0%) $333,113 (15.0%) 0.00 72
    2021-04-01 $261,175 (28.4%) $342,572 (19.4%) 0.00 72
    2021-05-01 $253,950 (28.3%) $346,661 (23.4%) 0.00 80
    2021-06-01 $260,775 (-0.6%) $360,193 (12.3%) 0.00 89
    2021-07-01 $247,500 (-2.7%) $326,626 (3.2%) 0.00 113
    2021-08-01 $224,900 (-2.2%) $306,429 (0.0%) 0.00 137
    2021-09-01 $221,200 (-2.8%) $302,431 (-3.2%) 0.00 145
    2021-10-01 $216,300 (3.1%) $284,144 (2.3%) 0.00 135
    2021-11-01 $223,350 (12.1%) $267,964 (-3.5%) 0.00 134
    2021-12-01 $207,000 (7.3%) $246,442 (-10.4%) 0.00 104
    2022-01-01 $218,350 (6.8%) $261,037 (-3.2%) 0.00 67
    2022-02-01 $213,450 (1.7%) $286,331 (-2.0%) 0.00 62
    2022-03-01 $214,900 (-12.3%) $294,059 (-11.7%) 0.00 49
    2022-04-01 $259,900 (-0.5%) $319,108 (-6.9%) 0.00 48
    2022-05-01 $258,425 (1.8%) $310,428 (-10.5%) 0.00 60
    2022-06-01 $249,900 (-4.2%) $300,027 (-16.7%) 0.00 94
    2022-07-01 $254,950 (3.0%) $302,446 (-7.4%) 0.00 107
    2022-08-01 $247,175 (9.9%) $292,340 (-4.6%) 0.00 111
    2022-09-01 $234,500 (6.0%) $293,024 (-3.1%) 0.00 118
    2022-10-01 $237,400 (9.8%) $294,506 (3.7%) 0.00 111
    2022-11-01 $230,000 (3.0%) $295,645 (10.3%) 0.00 112
    2022-12-01 $229,900 (11.1%) $272,922 (10.8%) 0.00 101
    2023-01-01 $221,000 (1.2%) $277,568 (6.3%) 0.00 92
    2023-02-01 $209,900 (-1.7%) $290,038 (1.3%) 0.00 74
    2023-03-01 $217,400 (1.2%) $305,159 (3.8%) 0.00 70
    2023-04-01 $238,950 (-8.1%) $331,287 (3.8%) 0.00 72
    2023-05-01 $242,175 (-6.3%) $343,118 (10.5%) 0.00 75
    2023-06-01 $254,900 (2.0%) $354,367 (18.1%) 0.00 95
    2023-07-01 $282,450 (10.8%) $359,885 (19.0%) 0.00 97
    2023-08-01 $267,475 (8.2%) $358,211 (22.5%) 0.00 117
    2023-09-01 $261,450 (11.5%) $344,396 (17.5%) 0.00 127
    2023-10-01 $255,675 (7.7%) $326,978 (11.0%) 0.00 126
    2023-11-01 $249,450 (8.5%) $324,312 (9.7%) 0.00 110
    2023-12-01 $239,900 (4.4%) $297,874 (9.1%) 0.00 92
    2024-01-01 $234,900 (6.3%) $300,236 (8.2%) 0.00 88
    2024-02-01 $247,400 (17.9%) $311,589 (7.4%) 0.00 68
    2024-03-01 $259,900 (19.6%) $313,704 (2.8%) 0.00 66
    Findlay's median listing price for 2024-03-01 was $259,900, a difference of $42,500 (19.6%) versus the prior year and $12,500 versus the prior month.

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

    Findlay's average listing price for 2024-03-01 was $313,704, a difference of $8,545 (2.8%) versus the prior year and $2,115 versus the prior month.

    For the 2024-03-01 period, Findlay had 66 MLS listings, a difference of -2 listings (-3%) versus the prior month and -4 listings (-6%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Findlay (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,796 sqft
    2018-02-01 0 days 1,777 sqft
    2018-03-01 0 days 1,851 sqft
    2018-04-01 0 days 1,896 sqft
    2018-05-01 0 days 1,938 sqft
    2018-06-01 0 days 1,902 sqft
    2018-07-01 0 days 1,885 sqft
    2018-08-01 0 days 1,894 sqft
    2018-09-01 0 days 1,883 sqft
    2018-10-01 0 days 1,862 sqft
    2018-11-01 0 days 1,883 sqft
    2018-12-01 0 days 1,868 sqft
    2019-01-01 0 days 1,861 sqft
    2019-02-01 0 days 1,823 sqft
    2019-03-01 0 days 1,926 sqft
    2019-04-01 0 days 2,012 sqft
    2019-05-01 0 days 2,059 sqft
    2019-06-01 0 days 1,994 sqft
    2019-07-01 0 days 1,917 sqft
    2019-08-01 0 days 1,907 sqft
    2019-09-01 0 days 1,902 sqft
    2019-10-01 0 days 1,933 sqft
    2019-11-01 0 days 1,909 sqft
    2019-12-01 0 days 1,909 sqft
    2020-01-01 0 days 1,918 sqft
    2020-02-01 0 days 1,892 sqft
    2020-03-01 0 days 1,909 sqft
    2020-04-01 0 days 1,907 sqft
    2020-05-01 0 days 1,906 sqft
    2020-06-01 0 days 2,124 sqft
    2020-07-01 0 days 2,068 sqft
    2020-08-01 0 days 1,968 sqft
    2020-09-01 0 days 2,044 sqft
    2020-10-01 0 days 1,948 sqft
    2020-11-01 0 days 1,842 sqft
    2020-12-01 0 days 1,929 sqft
    2021-01-01 0 days 1,922 sqft
    2021-02-01 0 days 1,918 sqft
    2021-03-01 0 days 2,035 sqft
    2021-04-01 0 days 2,128 sqft
    2021-05-01 0 days 1,994 sqft
    2021-06-01 0 days 1,963 sqft
    2021-07-01 0 days 1,802 sqft
    2021-08-01 0 days 1,776 sqft
    2021-09-01 0 days 1,876 sqft
    2021-10-01 0 days 1,814 sqft
    2021-11-01 0 days 1,766 sqft
    2021-12-01 0 days 1,749 sqft
    2022-01-01 0 days 1,756 sqft
    2022-02-01 0 days 1,739 sqft
    2022-03-01 0 days 1,817 sqft
    2022-04-01 0 days 1,780 sqft
    2022-05-01 0 days 1,785 sqft
    2022-06-01 0 days 1,790 sqft
    2022-07-01 0 days 1,832 sqft
    2022-08-01 0 days 1,776 sqft
    2022-09-01 0 days 1,798 sqft
    2022-10-01 0 days 1,804 sqft
    2022-11-01 0 days 1,756 sqft
    2022-12-01 0 days 1,750 sqft
    2023-01-01 0 days 1,695 sqft
    2023-02-01 0 days 1,768 sqft
    2023-03-01 0 days 1,724 sqft
    2023-04-01 0 days 1,764 sqft
    2023-05-01 0 days 1,764 sqft
    2023-06-01 0 days 1,864 sqft
    2023-07-01 0 days 1,920 sqft
    2023-08-01 0 days 1,889 sqft
    2023-09-01 0 days 1,877 sqft
    2023-10-01 0 days 1,834 sqft
    2023-11-01 0 days 1,826 sqft
    2023-12-01 0 days 1,827 sqft
    2024-01-01 0 days 1,857 sqft
    2024-02-01 0 days 1,859 sqft
    2024-03-01 0 days 1,859 sqft
    Findlay's median listing age (time on market) for 2024-03-01 was 0 days.

    Findlay's median square footage for active listings during the 2024-03-01 period was 1,859 sqft. One year prior, the average listing was 1,724 sqft.