Fremont USDA Loan Rates, Closing Costs & Stats

Fremont, NE

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.

Fremont's 2 lenders originated 5 USDA loans during 2023. The total origination value was $755,000, with an average USDA loan value of $151,000.

Fremont USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Fremont averaged -0.04% for the week of 2024-11-29, compared to the national average (all USDA variants) of 0% for the same period.

Fremont's average USDA mortgage closing costs are $4,248.

The average rate for the prior week (2024-11-22) was 6.56% and one month ago for the week of 2024-10-25, the average rate was 6.06%.

The average rate one year ago was 6.96%.

For refis of the same type during the week of 2024-11-29, the average rate was 0.1%.

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

Fremont 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 Fremont level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
CASTLE & COOKE MORTGAGE, LLC 2 7.00% $5,201
NEWREZ LLC 1 7.25% $8,369

The top Fremont USDA lender as defined by loan originations is CASTLE & COOKE MORTGAGE, LLC, with 2 USDA loans originated. Their average total fees are $5,201, which is $3,168 lower than the next largest lender, NEWREZ LLC.

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

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


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Fremont (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 $180,325 (18.6%) $234,075 (16.5%) 0.00 50
2018-02-01 $168,675 (8.0%) $232,901 (7.2%) 0.00 43
2018-03-01 $178,500 (3.6%) $243,945 (2.9%) 0.00 40
2018-04-01 $178,500 (10.4%) $246,411 (3.5%) 0.00 47
2018-05-01 $226,288 (23.3%) $265,834 (13.4%) 0.00 52
2018-06-01 $219,900 (26.6%) $248,675 (9.5%) 0.00 81
2018-07-01 $206,905 (25.5%) $249,993 (14.2%) 0.00 98
2018-08-01 $199,450 (7.9%) $238,201 (2.4%) 0.00 103
2018-09-01 $199,450 (27.5%) $240,851 (11.9%) 0.00 104
2018-10-01 $187,063 (22.1%) $236,359 (11.5%) 0.00 102
2018-11-01 $177,250 (17.4%) $227,731 (13.1%) 0.00 105
2018-12-01 $163,000 (-4.1%) $205,339 (-6.3%) 0.00 88
2019-01-01 $164,725 (-8.7%) $202,680 (-13.4%) 0.00 80
2019-02-01 $197,425 (17.0%) $222,278 (-4.6%) 0.00 65
2019-03-01 $199,693 (11.9%) $219,588 (-10.0%) 0.00 64
2019-04-01 $199,238 (11.6%) $216,214 (-12.3%) 0.00 65
2019-05-01 $198,538 (-12.3%) $219,662 (-17.4%) 0.00 64
2019-06-01 $214,375 (-2.5%) $234,582 (-5.7%) 0.00 63
2019-07-01 $198,350 (-4.1%) $222,946 (-10.8%) 0.00 76
2019-08-01 $190,455 (-4.5%) $215,236 (-9.6%) 0.00 87
2019-09-01 $177,261 (-11.1%) $201,863 (-16.2%) 0.00 104
2019-10-01 $169,916 (-9.2%) $195,409 (-17.3%) 0.00 112
2019-11-01 $169,950 (-4.1%) $199,439 (-12.4%) 0.00 107
2019-12-01 $162,381 (-0.4%) $185,367 (-9.7%) 0.00 96
2020-01-01 $167,450 (1.7%) $187,064 (-7.7%) 0.00 93
2020-02-01 $179,900 (-8.9%) $187,979 (-15.4%) 0.00 83
2020-03-01 $189,900 (-4.9%) $199,174 (-9.3%) 0.00 82
2020-04-01 $194,900 (-2.2%) $223,106 (3.2%) 0.00 81
2020-05-01 $199,900 (0.7%) $229,823 (4.6%) 0.00 70
2020-06-01 $199,900 (-6.8%) $234,743 (0.1%) 0.00 65
2020-07-01 $201,925 (1.8%) $238,668 (7.1%) 0.00 61
2020-08-01 $207,400 (8.9%) $252,336 (17.2%) 0.00 55
2020-09-01 $194,175 (9.5%) $270,759 (34.1%) 0.00 60
2020-10-01 $186,950 (10.0%) $246,120 (26.0%) 0.00 59
2020-11-01 $183,175 (7.8%) $227,744 (14.2%) 0.00 53
2020-12-01 $206,225 (27.0%) $237,600 (28.2%) 0.00 50
2021-01-01 $252,450 (50.8%) $271,087 (44.9%) 0.00 41
2021-02-01 $219,950 (22.3%) $267,985 (42.6%) 0.00 35
2021-03-01 $252,463 (32.9%) $281,902 (41.5%) 0.00 39
2021-04-01 $250,463 (28.5%) $278,342 (24.8%) 0.00 31
2021-05-01 $235,610 (17.9%) $276,382 (20.3%) 0.00 43
2021-06-01 $222,550 (11.3%) $266,570 (13.6%) 0.00 58
2021-07-01 $237,500 (17.6%) $297,123 (24.5%) 0.00 48
2021-08-01 $249,900 (20.5%) $283,583 (12.4%) 0.00 48
2021-09-01 $250,500 (29.0%) $269,137 (-0.6%) 0.00 53
2021-10-01 $249,500 (33.5%) $257,864 (4.8%) 0.00 55
2021-11-01 $249,900 (36.4%) $258,795 (13.6%) 0.00 62
2021-12-01 $234,000 (13.5%) $241,843 (1.8%) 0.00 51
2022-01-01 $229,000 (-9.3%) $235,901 (-13.0%) 0.00 35
2022-02-01 $229,000 (4.1%) $224,493 (-16.2%) 0.00 37
2022-03-01 $235,750 (-6.6%) $232,667 (-17.5%) 0.00 38
2022-04-01 $244,000 (-2.6%) $260,342 (-6.5%) 0.00 40
2022-05-01 $245,500 (4.2%) $278,655 (0.8%) 0.00 54
2022-06-01 $245,000 (10.1%) $291,796 (9.5%) 0.00 57
2022-07-01 $245,000 (3.2%) $301,446 (1.5%) 0.00 70
2022-08-01 $249,900 (0.0%) $288,491 (1.7%) 0.00 71
2022-09-01 $249,450 (-0.4%) $287,056 (6.7%) 0.00 72
2022-10-01 $249,900 (0.2%) $293,013 (13.6%) 0.00 80
2022-11-01 $254,375 (1.8%) $301,416 (16.5%) 0.00 73
2022-12-01 $254,500 (8.8%) $310,186 (28.3%) 0.00 68
2023-01-01 $257,225 (12.3%) $323,175 (37.0%) 0.00 55
2023-02-01 $264,475 (15.5%) $329,367 (46.7%) 0.00 47
2023-03-01 $259,250 (10.0%) $315,345 (35.5%) 0.00 52
2023-04-01 $285,000 (16.8%) $317,313 (21.9%) 0.00 54
2023-05-01 $294,900 (20.1%) $326,130 (17.0%) 0.00 61
2023-06-01 $293,675 (19.9%) $329,601 (13.0%) 0.00 70
2023-07-01 $287,500 (17.4%) $357,110 (18.5%) 0.00 84
2023-08-01 $286,425 (14.6%) $335,254 (16.2%) 0.00 84
2023-09-01 $259,700 (4.1%) $324,045 (12.9%) 0.00 88
2023-10-01 $268,425 (7.4%) $330,991 (13.0%) 0.00 97
2023-11-01 $251,000 (-1.3%) $316,901 (5.1%) 0.00 108
2023-12-01 $249,000 (-2.2%) $310,343 (0.1%) 0.00 100
2024-01-01 $249,000 (-3.2%) $307,808 (-4.8%) 0.00 86
2024-02-01 $255,750 (-3.3%) $313,806 (-4.7%) 0.00 80
2024-03-01 $262,500 (1.3%) $317,071 (0.6%) 0.00 87
2024-04-01 $261,825 (-8.1%) $303,807 (-4.3%) 0.00 86
2024-05-01 $254,925 (-13.6%) $301,427 (-7.6%) 0.00 85
2024-06-01 $250,000 (-14.9%) $297,686 (-9.7%) 0.00 91
2024-07-01 $249,225 (-13.3%) $285,597 (-20.0%) 0.00 92
2024-08-01 $245,450 (-14.3%) $288,096 (-14.1%) 0.00 95
2024-09-01 $244,500 (-5.9%) $301,166 (-7.1%) 0.00 100
2024-10-01 $241,500 (-10.0%) $296,039 (-10.6%) 0.00 105
Fremont's median listing price for 2024-10-01 was $241,500, a difference of $-26,925 (-10.0%) versus the prior year and $-3,000 versus the prior month.

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

Fremont's average listing price for 2024-10-01 was $296,039, a difference of $-34,952 (-10.6%) versus the prior year and $-5,127 versus the prior month.

For the 2024-10-01 period, Fremont had 105 MLS listings, a difference of 5 listings (5%) versus the prior month and 8 listings (8%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Fremont (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,985 sqft
2018-02-01 0 days 1,890 sqft
2018-03-01 0 days 2,102 sqft
2018-04-01 0 days 2,054 sqft
2018-05-01 0 days 2,224 sqft
2018-06-01 0 days 2,104 sqft
2018-07-01 0 days 2,086 sqft
2018-08-01 0 days 2,045 sqft
2018-09-01 0 days 1,955 sqft
2018-10-01 0 days 1,973 sqft
2018-11-01 0 days 1,941 sqft
2018-12-01 0 days 1,853 sqft
2019-01-01 0 days 1,807 sqft
2019-02-01 0 days 1,881 sqft
2019-03-01 0 days 1,994 sqft
2019-04-01 0 days 2,120 sqft
2019-05-01 0 days 2,143 sqft
2019-06-01 0 days 2,212 sqft
2019-07-01 0 days 2,247 sqft
2019-08-01 0 days 2,130 sqft
2019-09-01 0 days 1,941 sqft
2019-10-01 0 days 1,837 sqft
2019-11-01 0 days 1,827 sqft
2019-12-01 0 days 1,724 sqft
2020-01-01 0 days 1,639 sqft
2020-02-01 0 days 1,628 sqft
2020-03-01 0 days 1,629 sqft
2020-04-01 0 days 1,689 sqft
2020-05-01 0 days 1,631 sqft
2020-06-01 0 days 1,672 sqft
2020-07-01 0 days 1,708 sqft
2020-08-01 0 days 1,710 sqft
2020-09-01 0 days 1,700 sqft
2020-10-01 0 days 1,660 sqft
2020-11-01 0 days 1,652 sqft
2020-12-01 0 days 1,692 sqft
2021-01-01 0 days 1,647 sqft
2021-02-01 0 days 1,631 sqft
2021-03-01 0 days 1,631 sqft
2021-04-01 0 days 1,622 sqft
2021-05-01 0 days 1,631 sqft
2021-06-01 0 days 1,631 sqft
2021-07-01 0 days 1,631 sqft
2021-08-01 0 days 1,611 sqft
2021-09-01 0 days 1,475 sqft
2021-10-01 0 days 1,470 sqft
2021-11-01 0 days 1,495 sqft
2021-12-01 0 days 1,470 sqft
2022-01-01 0 days 1,470 sqft
2022-02-01 0 days 1,470 sqft
2022-03-01 0 days 1,473 sqft
2022-04-01 0 days 1,477 sqft
2022-05-01 0 days 1,491 sqft
2022-06-01 0 days 1,596 sqft
2022-07-01 0 days 1,631 sqft
2022-08-01 0 days 1,546 sqft
2022-09-01 0 days 1,507 sqft
2022-10-01 0 days 1,617 sqft
2022-11-01 0 days 1,753 sqft
2022-12-01 0 days 1,864 sqft
2023-01-01 0 days 1,862 sqft
2023-02-01 0 days 1,624 sqft
2023-03-01 0 days 1,515 sqft
2023-04-01 0 days 1,498 sqft
2023-05-01 0 days 1,568 sqft
2023-06-01 0 days 1,620 sqft
2023-07-01 0 days 1,636 sqft
2023-08-01 0 days 1,644 sqft
2023-09-01 0 days 1,631 sqft
2023-10-01 0 days 1,644 sqft
2023-11-01 0 days 1,636 sqft
2023-12-01 0 days 1,646 sqft
2024-01-01 0 days 1,634 sqft
2024-02-01 0 days 1,632 sqft
2024-03-01 0 days 1,634 sqft
2024-04-01 0 days 1,636 sqft
2024-05-01 0 days 1,634 sqft
2024-06-01 0 days 1,631 sqft
2024-07-01 0 days 1,601 sqft
2024-08-01 0 days 1,631 sqft
2024-09-01 0 days 1,647 sqft
2024-10-01 0 days 1,673 sqft
Fremont's median listing age (time on market) for 2024-10-01 was 0 days.

Fremont's median square footage for active listings during the 2024-10-01 period was 1,673 sqft. One year prior, the average listing was 1,644 sqft.