Gettysburg USDA Loan Rates, Closing Costs & Stats

GETTYSBURG, PA

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.

Gettysburg's 42 lenders originated 108 USDA loans during 2021. The total origination value was $22,190,000, with an average USDA loan value of $205,463.

Gettysburg USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Gettysburg 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.

Gettysburg's average USDA mortgage closing costs are $6,021.

The average rate for the prior week (2022-11-25) was 6.65% and one month ago for the week of 2022-10-28, the average rate was 7.02%.

The average rate one year ago was 3.12%.

For refis of the same type during the week of 2022-12-02, the average rate was 6.34%.

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

Gettysburg 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 Gettysburg level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
CROSSCOUNTRY MORTGAGE, LLC 27 2.99% $6,328
RESIDENTIAL MORTGAGE SERVICES, INC. 8 2.77% $6,034
Northpointe Bank 7 2.54% $6,309
BAY CAPITAL MORTGAGE CORPORATION 6 2.83% $6,111
UNION HOME MORTGAGE CORP. 5 2.60% $5,692
Fulton Bank 4 2.72% $6,701
York Traditions Bank 4 2.78% $6,446
T2 FINANCIAL LLC 2 3.00% $6,276
MCLEAN MORTGAGE CORPORATION 2 3.06% $6,053
TJC Mortgage, Inc. 2 2.88% $7,506
Prosperity Home Mortgage, LLC 2 2.75% $9,440
Bank of England 2 2.69% $7,748
First Guaranty Mortgage Corporation 2 3.13% $7,641
Homesale Mortgage, LLC 2 3.00% $6,223
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.25% $7,595
George Mason Mortgage, LLC 2 2.69% $5,838
LOANDEPOT.COM, LLC 2 3.06% $6,503
1ST FINANCIAL, INC. 1 2.88% $8,191
MUTUAL OF OMAHA MORTGAGE, INC. 1 2.75% $6,227
NATIONS DIRECT MORTGAGE, LLC 1 3.25% $4,066
Paramount Residential Mortgage Group, Inc. 1 3.63% $9,773
PNC Bank 1 2.88% $5,007
SUN WEST MORTGAGE COMPANY, INC. 1 2.63% $4,307
TIDEWATER MORTGAGE SERVICES, INC. 1 2.88% $7,129
Towne Bank 1 2.88% $5,428
M&T Bank 1 3.13% $7,672
ACADEMY MORTGAGE CORPORATION 1 3.00% $6,055
AMERICAN FINANCIAL NETWORK, INC. 1 2.75% $10,868
APEX HOME LOANS, INC. 1 2.75% $8,912
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.25% $11,320
Carrington Mortgage Services, LLC 1 2.38% $5,471
Citizens Bank 1 3.25% $5,553
EMM LOANS LLC 1 3.00% $4,761
FINANCE OF AMERICA MORTGAGE LLC 1 2.75% $6,699
Flagstar Bank, FSB 1 2.75% $5,199
Florida Capital Bank 1 2.88% $10,321
GUARANTEED RATE, INC. 1 2.38% $5,674
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.25% $9,130
HomePromise Corporation 1 3.13% $5,469
KELLER MORTGAGE, LLC 1 2.25% $6,675
Mortgage Network, Inc. 1 2.38% $6,765
MOVEMENT MORTGAGE, LLC 1 2.25% $7,331

The top Gettysburg USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 27 USDA loans originated. Their average total fees are $6,328, which is $294 higher than the next largest lender, RESIDENTIAL MORTGAGE SERVICES, INC..

The lowest fee Gettysburg USDA lenders (with over 10 loans originated) are CROSSCOUNTRY MORTGAGE, LLC ($6,328), .

The lowest rate Gettysburg USDA lenders (with over 10 loans originated) are CROSSCOUNTRY MORTGAGE, LLC (2.99%), .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Gettysburg (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 $224,900 (2.3%) $275,443 (6.6%) 0.00 402
2018-02-01 $224,900 (0.0%) $276,214 (5.0%) 0.00 396
2018-03-01 $229,900 (0.0%) $277,529 (0.7%) 0.00 412
2018-04-01 $232,680 (-1.0%) $269,697 (-5.8%) 0.00 411
2018-05-01 $239,900 (3.1%) $279,622 (-1.0%) 0.00 420
2018-06-01 $239,000 (1.7%) $276,796 (-4.1%) 0.00 439
2018-07-01 $242,450 (1.1%) $280,439 (-4.0%) 0.00 426
2018-08-01 $248,750 (5.0%) $285,132 (-2.3%) 0.00 407
2018-09-01 $234,895 (-2.1%) $275,129 (-8.4%) 0.00 417
2018-10-01 $228,400 (-1.1%) $270,002 (-9.1%) 0.00 400
2018-11-01 $224,900 (-0.9%) $271,889 (-6.7%) 0.00 389
2018-12-01 $224,330 (0.2%) $263,785 (-6.9%) 0.00 355
2019-01-01 $222,400 (-1.1%) $266,320 (-3.3%) 0.00 314
2019-02-01 $229,675 (2.1%) $271,646 (-1.7%) 0.00 330
2019-03-01 $238,471 (3.7%) $275,565 (-0.7%) 0.00 331
2019-04-01 $243,471 (4.6%) $281,791 (4.5%) 0.00 356
2019-05-01 $252,667 (5.3%) $297,804 (6.5%) 0.00 395
2019-06-01 $249,900 (4.6%) $294,504 (6.4%) 0.00 400
2019-07-01 $249,900 (3.1%) $299,910 (6.9%) 0.00 410
2019-08-01 $252,300 (1.4%) $305,876 (7.3%) 0.00 399
2019-09-01 $256,575 (9.2%) $312,697 (13.7%) 0.00 382
2019-10-01 $254,475 (11.4%) $318,282 (17.9%) 0.00 362
2019-11-01 $254,900 (13.3%) $321,172 (18.1%) 0.00 338
2019-12-01 $257,000 (14.6%) $319,390 (21.1%) 0.00 294
2020-01-01 $259,800 (16.8%) $321,751 (20.8%) 0.00 272
2020-02-01 $264,900 (15.3%) $315,705 (16.2%) 0.00 275
2020-03-01 $276,723 (16.0%) $348,079 (26.3%) 0.00 263
2020-04-01 $277,854 (14.1%) $357,776 (27.0%) 0.00 241
2020-05-01 $279,500 (10.6%) $354,419 (19.0%) 0.00 258
2020-06-01 $288,650 (15.5%) $357,311 (21.3%) 0.00 247
2020-07-01 $299,950 (20.0%) $386,920 (29.0%) 0.00 199
2020-08-01 $304,000 (20.5%) $397,484 (30.0%) 0.00 193
2020-09-01 $318,495 (24.1%) $409,482 (31.0%) 0.00 189
2020-10-01 $316,795 (24.5%) $399,323 (25.5%) 0.00 177
2020-11-01 $327,450 (28.5%) $406,735 (26.6%) 0.00 172
2020-12-01 $326,995 (27.2%) $404,925 (26.8%) 0.00 161
2021-01-01 $329,581 (26.9%) $403,994 (25.6%) 0.00 148
2021-02-01 $332,503 (25.5%) $395,173 (25.2%) 0.00 125
2021-03-01 $327,009 (18.2%) $352,381 (1.2%) 0.00 128
2021-04-01 $338,376 (21.8%) $354,872 (-0.8%) 0.00 114
2021-05-01 $353,438 (26.5%) $360,318 (1.7%) 0.00 113
2021-06-01 $355,888 (23.3%) $361,029 (1.0%) 0.00 127
2021-07-01 $344,670 (14.9%) $359,563 (-7.1%) 0.00 128
2021-08-01 $313,975 (3.3%) $338,323 (-14.9%) 0.00 138
2021-09-01 $304,950 (-4.3%) $332,647 (-18.8%) 0.00 121
2021-10-01 $309,950 (-2.2%) $330,808 (-17.2%) 0.00 126
2021-11-01 $297,425 (-9.2%) $332,363 (-18.3%) 0.00 115
2021-12-01 $326,950 (0.0%) $337,527 (-16.6%) 0.00 99
2022-01-01 $349,945 (6.2%) $372,920 (-7.7%) 0.00 102
2022-02-01 $358,688 (7.9%) $445,559 (12.8%) 0.00 113
2022-03-01 $368,556 (12.7%) $479,788 (36.2%) 0.00 116
2022-04-01 $369,950 (9.3%) $465,810 (31.3%) 0.00 125
2022-05-01 $374,900 (6.1%) $429,935 (19.3%) 0.00 147
2022-06-01 $364,009 (2.3%) $381,993 (5.8%) 0.00 155
2022-07-01 $350,000 (1.6%) $423,297 (17.7%) 0.00 163
2022-08-01 $359,901 (14.6%) $420,044 (24.2%) 0.00 177
2022-09-01 $380,000 (24.6%) $439,614 (32.2%) 0.00 169
2022-10-01 $374,900 (21.0%) $442,498 (33.8%) 0.00 157
2022-11-01 $358,535 (20.6%) $443,117 (33.3%) 0.00 157
Gettysburg's median listing price for 2022-11-01 was $358,535, a difference of $61,110 (20.6%) versus the prior year and $-16,365 versus the prior month.

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

Gettysburg's average listing price for 2022-11-01 was $443,117, a difference of $110,754 (33.3%) versus the prior year and $619 versus the prior month.

For the 2022-11-01 period, Gettysburg had 157 MLS listings, a difference of 0 listings (0%) versus the prior month and 42 listings (37%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Gettysburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,722 sqft
2018-02-01 0 days 1,725 sqft
2018-03-01 0 days 1,748 sqft
2018-04-01 0 days 1,771 sqft
2018-05-01 0 days 1,797 sqft
2018-06-01 0 days 1,944 sqft
2018-07-01 0 days 1,943 sqft
2018-08-01 0 days 1,943 sqft
2018-09-01 0 days 1,886 sqft
2018-10-01 0 days 1,911 sqft
2018-11-01 0 days 1,897 sqft
2018-12-01 0 days 1,872 sqft
2019-01-01 0 days 1,879 sqft
2019-02-01 0 days 1,900 sqft
2019-03-01 0 days 1,920 sqft
2019-04-01 0 days 1,964 sqft
2019-05-01 0 days 1,983 sqft
2019-06-01 0 days 1,971 sqft
2019-07-01 0 days 1,982 sqft
2019-08-01 0 days 1,985 sqft
2019-09-01 0 days 1,995 sqft
2019-10-01 0 days 1,996 sqft
2019-11-01 0 days 1,992 sqft
2019-12-01 0 days 1,982 sqft
2020-01-01 0 days 1,948 sqft
2020-02-01 0 days 1,992 sqft
2020-03-01 0 days 1,992 sqft
2020-04-01 0 days 1,983 sqft
2020-05-01 0 days 1,970 sqft
2020-06-01 0 days 1,956 sqft
2020-07-01 0 days 1,952 sqft
2020-08-01 0 days 1,947 sqft
2020-09-01 0 days 1,950 sqft
2020-10-01 0 days 2,016 sqft
2020-11-01 0 days 2,043 sqft
2020-12-01 0 days 1,980 sqft
2021-01-01 0 days 1,954 sqft
2021-02-01 0 days 1,950 sqft
2021-03-01 0 days 1,934 sqft
2021-04-01 0 days 2,003 sqft
2021-05-01 0 days 2,007 sqft
2021-06-01 0 days 2,048 sqft
2021-07-01 0 days 2,093 sqft
2021-08-01 0 days 1,968 sqft
2021-09-01 0 days 1,961 sqft
2021-10-01 0 days 1,953 sqft
2021-11-01 0 days 1,905 sqft
2021-12-01 0 days 1,884 sqft
2022-01-01 0 days 1,967 sqft
2022-02-01 0 days 1,964 sqft
2022-03-01 0 days 1,962 sqft
2022-04-01 0 days 1,957 sqft
2022-05-01 0 days 1,970 sqft
2022-06-01 0 days 1,968 sqft
2022-07-01 0 days 1,973 sqft
2022-08-01 0 days 1,967 sqft
2022-09-01 0 days 2,017 sqft
2022-10-01 0 days 1,991 sqft
2022-11-01 0 days 1,967 sqft
Gettysburg's median listing age (time on market) for 2022-11-01 was 0 days.

Gettysburg's median square footage for active listings during the 2022-11-01 period was 1,967 sqft. One year prior, the average listing was 1,905 sqft.