Greeley USDA Loan Rates, Closing Costs & Stats
GREELEY, CO
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.
Greeley's 8 lenders originated 9 USDA loans during 2023. The total origination value was $3,745,000, with an average USDA loan value of $416,111.
Greeley USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Greeley
averaged
5.96%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Greeley's average USDA mortgage closing costs are $7,441.
The average rate for the prior week (2024-12-06) was
6.2% and
one month ago for the week of 2024-11-08, the
average rate was 6.01%.
The average rate one year ago was 6.68%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.37%.
Greeley 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 Greeley level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| LOANDEPOT.COM, LLC | 2 | 5.56% | $18,965 |
| COASTAL FUNDING SLC, INC. | 1 | 5.75% | $10,340 |
| First Western Trust Bank | 1 | 6.13% | $7,856 |
| Flagstar Bank, FSB | 1 | 5.75% | $16,986 |
| Paramount Residential Mortgage Group, Inc. | 1 | 6.63% | $7,573 |
| Plains Commerce Bank | 1 | 4.88% | $17,906 |
| CMG MORTGAGE, INC. | 1 | 4.50% | $8,837 |
| PLANET HOME LENDING, LLC | 1 | 5.75% | $10,340 |
The top Greeley USDA lender as defined by loan originations is LOANDEPOT.COM, LLC, with
2 USDA loans originated. Their average total fees are
$18,965, which is $8,625
higher than the next largest lender,
COASTAL FUNDING SLC, INC..
The lowest fee Greeley USDA lenders (with over 10 loans originated) are
.
The lowest rate Greeley USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Greeley (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 | $399,950 (9.2%) | $462,104 (5.3%) | 1.48 | 697 |
| 2018-02-01 | $400,000 (5.3%) | $472,890 (4.5%) | 1.45 | 673 |
| 2018-03-01 | $406,041 (7.2%) | $476,242 (5.0%) | 1.42 | 669 |
| 2018-04-01 | $399,950 (3.1%) | $472,330 (2.4%) | 1.36 | 683 |
| 2018-05-01 | $409,975 (3.2%) | $490,916 (4.0%) | 1.37 | 681 |
| 2018-06-01 | $409,000 (2.4%) | $487,772 (4.8%) | 1.36 | 752 |
| 2018-07-01 | $398,855 (2.3%) | $488,633 (6.7%) | 1.33 | 803 |
| 2018-08-01 | $395,056 (-0.1%) | $474,132 (1.4%) | 1.32 | 869 |
| 2018-09-01 | $395,000 (-1.2%) | $466,386 (-0.5%) | 1.33 | 966 |
| 2018-10-01 | $389,975 (-3.3%) | $465,074 (-1.6%) | 1.32 | 1,041 |
| 2018-11-01 | $396,000 (-1.0%) | $466,735 (-0.5%) | 1.34 | 1,024 |
| 2018-12-01 | $398,495 (-0.4%) | $469,296 (0.7%) | 1.37 | 928 |
| 2019-01-01 | $395,104 (-1.2%) | $473,477 (2.5%) | 1.37 | 863 |
| 2019-02-01 | $393,500 (-1.6%) | $469,445 (-0.7%) | 1.33 | 855 |
| 2019-03-01 | $406,386 (0.1%) | $475,290 (-0.2%) | 1.33 | 895 |
| 2019-04-01 | $411,361 (2.9%) | $479,445 (1.5%) | 1.31 | 961 |
| 2019-05-01 | $412,200 (0.5%) | $477,500 (-2.7%) | 1.29 | 990 |
| 2019-06-01 | $409,900 (0.2%) | $472,627 (-3.1%) | 1.28 | 1,105 |
| 2019-07-01 | $400,000 (0.3%) | $462,963 (-5.3%) | 1.25 | 1,161 |
| 2019-08-01 | $399,900 (1.2%) | $463,264 (-2.3%) | 1.27 | 1,183 |
| 2019-09-01 | $399,900 (1.2%) | $464,072 (-0.5%) | 1.28 | 1,174 |
| 2019-10-01 | $399,875 (2.5%) | $464,596 (-0.1%) | 1.29 | 1,157 |
| 2019-11-01 | $402,250 (1.6%) | $471,820 (1.1%) | 1.32 | 1,076 |
| 2019-12-01 | $404,904 (1.6%) | $478,880 (2.0%) | 1.35 | 950 |
| 2020-01-01 | $417,225 (5.6%) | $498,128 (5.2%) | 1.39 | 780 |
| 2020-02-01 | $425,000 (8.0%) | $503,700 (7.3%) | 1.39 | 687 |
| 2020-03-01 | $437,013 (7.5%) | $508,974 (7.1%) | 1.37 | 713 |
| 2020-04-01 | $425,000 (3.3%) | $501,433 (4.6%) | 1.33 | 854 |
| 2020-05-01 | $425,000 (3.1%) | $501,748 (5.1%) | 1.29 | 965 |
| 2020-06-01 | $424,903 (3.7%) | $504,842 (6.8%) | 1.25 | 929 |
| 2020-07-01 | $431,825 (8.0%) | $513,437 (10.9%) | 1.25 | 841 |
| 2020-08-01 | $424,579 (6.2%) | $512,270 (10.6%) | 1.22 | 820 |
| 2020-09-01 | $426,175 (6.6%) | $516,394 (11.3%) | 1.22 | 786 |
| 2020-10-01 | $429,725 (7.5%) | $518,186 (11.5%) | 1.23 | 685 |
| 2020-11-01 | $428,823 (6.6%) | $521,891 (10.6%) | 1.25 | 638 |
| 2020-12-01 | $424,975 (5.0%) | $519,953 (8.6%) | 1.26 | 543 |
| 2021-01-01 | $442,522 (6.1%) | $552,102 (10.8%) | 1.32 | 456 |
| 2021-02-01 | $456,520 (7.4%) | $580,546 (15.3%) | 1.33 | 388 |
| 2021-03-01 | $462,276 (5.8%) | $582,681 (14.5%) | 1.31 | 383 |
| 2021-04-01 | $474,625 (11.7%) | $592,535 (18.2%) | 1.28 | 370 |
| 2021-05-01 | $475,000 (11.8%) | $571,683 (13.9%) | 1.26 | 355 |
| 2021-06-01 | $486,250 (14.4%) | $576,137 (14.1%) | 1.28 | 375 |
| 2021-07-01 | $485,000 (12.3%) | $580,371 (13.0%) | 1.28 | 449 |
| 2021-08-01 | $499,995 (17.8%) | $589,574 (15.1%) | 1.33 | 452 |
| 2021-09-01 | $494,348 (16.0%) | $609,558 (18.0%) | 1.32 | 460 |
| 2021-10-01 | $498,000 (15.9%) | $632,268 (22.0%) | 1.33 | 463 |
| 2021-11-01 | $490,388 (14.4%) | $627,021 (20.1%) | 1.31 | 426 |
| 2021-12-01 | $453,755 (6.8%) | $563,842 (8.4%) | 1.23 | 763 |
| 2022-01-01 | $499,950 (13.0%) | $657,478 (19.1%) | 1.35 | 286 |
| 2022-02-01 | $505,000 (10.6%) | $699,308 (20.5%) | 1.31 | 273 |
| 2022-03-01 | $518,400 (12.1%) | $678,983 (16.5%) | 1.30 | 302 |
| 2022-04-01 | $539,950 (13.8%) | $694,062 (17.1%) | 1.29 | 311 |
| 2022-05-01 | $543,125 (14.3%) | $700,373 (22.5%) | 1.24 | 448 |
| 2022-06-01 | $550,000 (13.1%) | $685,478 (19.0%) | 1.22 | 648 |
| 2022-07-01 | $545,000 (12.4%) | $677,201 (16.7%) | 1.23 | 877 |
| 2022-08-01 | $531,500 (6.3%) | $670,568 (13.7%) | 1.23 | 919 |
| 2022-09-01 | $523,095 (5.8%) | $658,267 (8.0%) | 1.22 | 927 |
| 2022-10-01 | $514,883 (3.4%) | $645,087 (2.0%) | 1.21 | 909 |
| 2022-11-01 | $515,000 (5.0%) | $630,578 (0.6%) | 1.24 | 919 |
| 2022-12-01 | $514,900 (13.5%) | $632,311 (12.1%) | 1.27 | 758 |
| 2023-01-01 | $519,475 (3.9%) | $631,152 (-4.0%) | 1.29 | 679 |
| 2023-02-01 | $518,908 (2.8%) | $638,648 (-8.7%) | 1.25 | 597 |
| 2023-03-01 | $527,450 (1.8%) | $650,815 (-4.2%) | 1.24 | 595 |
| 2023-04-01 | $540,000 (0.0%) | $675,661 (-2.7%) | 1.26 | 656 |
| 2023-05-01 | $540,045 (-0.6%) | $679,066 (-3.0%) | 1.22 | 720 |
| 2023-06-01 | $541,950 (-1.5%) | $676,695 (-1.3%) | 1.22 | 797 |
| 2023-07-01 | $540,000 (-0.9%) | $653,877 (-3.4%) | 1.23 | 892 |
| 2023-08-01 | $533,650 (0.4%) | $657,414 (-2.0%) | 1.23 | 925 |
| 2023-09-01 | $530,000 (1.3%) | $637,597 (-3.1%) | 1.23 | 916 |
| 2023-10-01 | $519,950 (1.0%) | $634,295 (-1.7%) | 1.22 | 971 |
| 2023-11-01 | $513,325 (-0.3%) | $634,299 (0.6%) | 1.22 | 971 |
| 2023-12-01 | $515,000 (0.0%) | $646,962 (2.3%) | 1.26 | 832 |
| 2024-01-01 | $519,975 (0.1%) | $666,488 (5.6%) | 1.27 | 730 |
| 2024-02-01 | $524,334 (1.1%) | $690,549 (8.1%) | 1.26 | 776 |
| 2024-03-01 | $532,400 (0.9%) | $697,685 (7.2%) | 1.25 | 830 |
| 2024-04-01 | $540,565 (0.1%) | $703,608 (4.1%) | 1.26 | 829 |
| 2024-05-01 | $554,118 (2.6%) | $733,463 (8.0%) | 1.25 | 898 |
| 2024-06-01 | $550,000 (1.5%) | $730,023 (7.9%) | 1.24 | 1,025 |
| 2024-07-01 | $542,725 (0.5%) | $694,274 (6.2%) | 1.24 | 1,068 |
| 2024-08-01 | $539,000 (1.0%) | $679,862 (3.4%) | 1.25 | 1,127 |
| 2024-09-01 | $537,500 (1.4%) | $676,629 (6.1%) | 1.26 | 1,154 |
| 2024-10-01 | $536,950 (3.3%) | $674,860 (6.4%) | 1.26 | 1,201 |
| 2024-11-01 | $530,000 (3.3%) | $667,151 (5.2%) | 1.27 | 1,136 |
Greeley's median listing price comes in at 127% of the national average.
Greeley's average listing price for 2024-11-01 was $667,151, a difference of $32,852 (5.2%) versus the prior year and $-7,709 versus the prior month.
For the 2024-11-01 period, Greeley had 1,136 MLS listings, a difference of -65 listings (-5%) versus the prior month and 165 listings (17%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Greeley (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 67 days | 3,109 sqft |
| 2018-02-01 | 52 days | 3,099 sqft |
| 2018-03-01 | 36 days | 3,082 sqft |
| 2018-04-01 | 32 days | 2,995 sqft |
| 2018-05-01 | 33 days | 3,087 sqft |
| 2018-06-01 | 34 days | 3,012 sqft |
| 2018-07-01 | 36 days | 2,961 sqft |
| 2018-08-01 | 33 days | 2,922 sqft |
| 2018-09-01 | 37 days | 2,928 sqft |
| 2018-10-01 | 40 days | 2,890 sqft |
| 2018-11-01 | 49 days | 2,911 sqft |
| 2018-12-01 | 58 days | 2,893 sqft |
| 2019-01-01 | 57 days | 2,842 sqft |
| 2019-02-01 | 39 days | 2,832 sqft |
| 2019-03-01 | 38 days | 2,872 sqft |
| 2019-04-01 | 38 days | 2,922 sqft |
| 2019-05-01 | 38 days | 2,906 sqft |
| 2019-06-01 | 37 days | 2,876 sqft |
| 2019-07-01 | 41 days | 2,833 sqft |
| 2019-08-01 | 42 days | 2,814 sqft |
| 2019-09-01 | 43 days | 2,810 sqft |
| 2019-10-01 | 44 days | 2,810 sqft |
| 2019-11-01 | 49 days | 2,851 sqft |
| 2019-12-01 | 56 days | 2,837 sqft |
| 2020-01-01 | 65 days | 2,910 sqft |
| 2020-02-01 | 44 days | 2,994 sqft |
| 2020-03-01 | 31 days | 3,031 sqft |
| 2020-04-01 | 35 days | 2,909 sqft |
| 2020-05-01 | 40 days | 2,873 sqft |
| 2020-06-01 | 37 days | 2,840 sqft |
| 2020-07-01 | 37 days | 2,915 sqft |
| 2020-08-01 | 35 days | 2,836 sqft |
| 2020-09-01 | 37 days | 2,713 sqft |
| 2020-10-01 | 37 days | 2,735 sqft |
| 2020-11-01 | 42 days | 2,659 sqft |
| 2020-12-01 | 52 days | 2,634 sqft |
| 2021-01-01 | 64 days | 2,687 sqft |
| 2021-02-01 | 36 days | 2,741 sqft |
| 2021-03-01 | 25 days | 2,680 sqft |
| 2021-04-01 | 27 days | 2,671 sqft |
| 2021-05-01 | 25 days | 2,681 sqft |
| 2021-06-01 | 26 days | 2,583 sqft |
| 2021-07-01 | 26 days | 2,570 sqft |
| 2021-08-01 | 31 days | 2,597 sqft |
| 2021-09-01 | 35 days | 2,519 sqft |
| 2021-10-01 | 35 days | 2,561 sqft |
| 2021-11-01 | 37 days | 2,544 sqft |
| 2021-12-01 | 40 days | 2,493 sqft |
| 2022-01-01 | 38 days | 2,496 sqft |
| 2022-02-01 | 31 days | 2,576 sqft |
| 2022-03-01 | 22 days | 2,591 sqft |
| 2022-04-01 | 21 days | 2,707 sqft |
| 2022-05-01 | 18 days | 2,763 sqft |
| 2022-06-01 | 21 days | 2,807 sqft |
| 2022-07-01 | 27 days | 2,761 sqft |
| 2022-08-01 | 35 days | 2,630 sqft |
| 2022-09-01 | 40 days | 2,590 sqft |
| 2022-10-01 | 44 days | 2,560 sqft |
| 2022-11-01 | 46 days | 2,559 sqft |
| 2022-12-01 | 61 days | 2,564 sqft |
| 2023-01-01 | 70 days | 2,574 sqft |
| 2023-02-01 | 51 days | 2,577 sqft |
| 2023-03-01 | 39 days | 2,646 sqft |
| 2023-04-01 | 31 days | 2,651 sqft |
| 2023-05-01 | 33 days | 2,764 sqft |
| 2023-06-01 | 38 days | 2,739 sqft |
| 2023-07-01 | 38 days | 2,745 sqft |
| 2023-08-01 | 41 days | 2,715 sqft |
| 2023-09-01 | 44 days | 2,653 sqft |
| 2023-10-01 | 43 days | 2,559 sqft |
| 2023-11-01 | 47 days | 2,558 sqft |
| 2023-12-01 | 63 days | 2,546 sqft |
| 2024-01-01 | 69 days | 2,558 sqft |
| 2024-02-01 | 42 days | 2,593 sqft |
| 2024-03-01 | 38 days | 2,576 sqft |
| 2024-04-01 | 43 days | 2,606 sqft |
| 2024-05-01 | 32 days | 2,638 sqft |
| 2024-06-01 | 35 days | 2,617 sqft |
| 2024-07-01 | 43 days | 2,572 sqft |
| 2024-08-01 | 44 days | 2,581 sqft |
| 2024-09-01 | 46 days | 2,602 sqft |
| 2024-10-01 | 50 days | 2,633 sqft |
| 2024-11-01 | 58 days | 2,578 sqft |
Greeley's median square footage for active listings during the 2024-11-01 period was 2,578 sqft. One year prior, the average listing was 2,558 sqft.