Greeley USDA Loan Rates, Closing Costs & Stats

GREELEY, CO

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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.

    Greeley's 5 lenders originated 6 USDA loans during 2024. The total origination value was $2,120,000, with an average USDA loan value of $353,333.

    Greeley USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Greeley averaged 6.34% for the week of 2025-07-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Greeley's average USDA mortgage closing costs are $7,489.

    The average rate for the prior week (2025-07-04) was 6.55% and one month ago for the week of 2025-06-06, the average rate was 6.44%.

    The average rate one year ago was 6.63%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.07%.

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

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    LOANDEPOT.COM, LLC 2 5.56% $18,564
    AMERICAN FINANCING CORPORATION 1 5.75% $10,327
    BROKER SOLUTIONS, INC. 1 5.75% $9,161
    FIRST COLONY MORTGAGE CORPORATION 1 5.63% $10,639
    Network Funding, L.P. 1 5.63% $7,361

    The top Greeley USDA lender as defined by loan originations is LOANDEPOT.COM, LLC, with 2 USDA loans originated. Their average total fees are $18,564, which is $8,237 higher than the next largest lender, AMERICAN FINANCING CORPORATION.

    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%) $462,216 (5.3%) 1.48 698
    2018-02-01 $400,000 (5.3%) $472,890 (4.5%) 1.45 673
    2018-03-01 $406,041 (7.1%) $476,242 (4.8%) 1.42 669
    2018-04-01 $399,950 (3.0%) $472,332 (2.2%) 1.36 684
    2018-05-01 $409,975 (3.2%) $490,916 (4.0%) 1.37 681
    2018-06-01 $409,000 (2.4%) $487,772 (4.7%) 1.36 752
    2018-07-01 $398,855 (2.3%) $488,633 (6.6%) 1.33 803
    2018-08-01 $395,056 (-0.1%) $474,132 (1.3%) 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 $398,679 (-0.3%) $469,296 (0.7%) 1.38 926
    2019-01-01 $395,104 (-1.2%) $473,477 (2.4%) 1.37 863
    2019-02-01 $393,564 (-1.6%) $469,554 (-0.7%) 1.33 855
    2019-03-01 $406,407 (0.1%) $475,376 (-0.2%) 1.33 895
    2019-04-01 $411,382 (2.9%) $479,530 (1.5%) 1.31 961
    2019-05-01 $412,200 (0.5%) $477,500 (-2.7%) 1.29 990
    2019-06-01 $409,700 (0.2%) $472,627 (-3.1%) 1.28 1,108
    2019-07-01 $400,000 (0.3%) $463,147 (-5.2%) 1.25 1,163
    2019-08-01 $399,900 (1.2%) $463,362 (-2.3%) 1.27 1,185
    2019-09-01 $399,900 (1.2%) $464,148 (-0.5%) 1.28 1,176
    2019-10-01 $399,888 (2.5%) $464,604 (-0.1%) 1.29 1,158
    2019-11-01 $402,250 (1.6%) $471,719 (1.1%) 1.32 1,077
    2019-12-01 $404,995 (1.6%) $478,809 (2.0%) 1.35 950
    2020-01-01 $417,225 (5.6%) $498,128 (5.2%) 1.39 779
    2020-02-01 $425,000 (8.0%) $503,978 (7.3%) 1.39 686
    2020-03-01 $437,025 (7.5%) $509,580 (7.2%) 1.37 713
    2020-04-01 $425,000 (3.3%) $501,646 (4.6%) 1.33 853
    2020-05-01 $425,000 (3.1%) $501,957 (5.1%) 1.29 964
    2020-06-01 $424,926 (3.7%) $505,068 (6.9%) 1.25 929
    2020-07-01 $432,278 (8.1%) $513,631 (10.9%) 1.25 841
    2020-08-01 $424,900 (6.3%) $512,545 (10.6%) 1.22 819
    2020-09-01 $426,451 (6.6%) $517,250 (11.4%) 1.22 780
    2020-10-01 $429,813 (7.5%) $519,508 (11.8%) 1.23 676
    2020-11-01 $428,850 (6.6%) $522,849 (10.8%) 1.25 630
    2020-12-01 $424,975 (4.9%) $520,215 (8.7%) 1.26 540
    2021-01-01 $442,747 (6.1%) $552,175 (10.9%) 1.32 455
    2021-02-01 $455,963 (7.3%) $580,510 (15.2%) 1.33 388
    2021-03-01 $461,973 (5.7%) $582,646 (14.3%) 1.31 382
    2021-04-01 $474,625 (11.7%) $592,535 (18.1%) 1.28 370
    2021-05-01 $475,000 (11.8%) $571,770 (13.9%) 1.26 355
    2021-06-01 $486,250 (14.4%) $576,137 (14.1%) 1.28 375
    2021-07-01 $485,000 (12.2%) $580,371 (13.0%) 1.28 449
    2021-08-01 $499,995 (17.7%) $589,574 (15.0%) 1.33 452
    2021-09-01 $493,945 (15.8%) $609,182 (17.8%) 1.32 459
    2021-10-01 $497,682 (15.8%) $632,210 (21.7%) 1.33 462
    2021-11-01 $490,065 (14.3%) $626,939 (19.9%) 1.31 425
    2021-12-01 $453,594 (6.7%) $563,779 (8.4%) 1.23 762
    2022-01-01 $499,950 (12.9%) $657,478 (19.1%) 1.35 286
    2022-02-01 $505,000 (10.8%) $699,308 (20.5%) 1.31 273
    2022-03-01 $521,700 (12.9%) $679,859 (16.7%) 1.31 300
    2022-04-01 $535,755 (12.9%) $695,674 (17.4%) 1.28 308
    2022-05-01 $539,748 (13.6%) $700,869 (22.6%) 1.23 444
    2022-06-01 $550,000 (13.1%) $685,718 (19.0%) 1.22 644
    2022-07-01 $545,000 (12.4%) $677,409 (16.7%) 1.23 875
    2022-08-01 $531,500 (6.3%) $670,653 (13.8%) 1.23 917
    2022-09-01 $522,798 (5.8%) $658,291 (8.1%) 1.22 926
    2022-10-01 $514,883 (3.5%) $645,087 (2.0%) 1.21 909
    2022-11-01 $515,000 (5.1%) $630,578 (0.6%) 1.24 919
    2022-12-01 $514,900 (13.5%) $632,311 (12.2%) 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 (1.1%) $650,815 (-4.3%) 1.24 595
    2023-04-01 $540,000 (0.8%) $675,661 (-2.9%) 1.26 655
    2023-05-01 $540,045 (0.1%) $679,066 (-3.1%) 1.22 720
    2023-06-01 $541,950 (-1.5%) $676,695 (-1.3%) 1.22 797
    2023-07-01 $540,000 (-0.9%) $654,100 (-3.4%) 1.23 892
    2023-08-01 $533,900 (0.5%) $657,537 (-2.0%) 1.23 925
    2023-09-01 $530,000 (1.4%) $637,597 (-3.1%) 1.23 916
    2023-10-01 $519,950 (1.0%) $634,337 (-1.7%) 1.22 971
    2023-11-01 $513,350 (-0.3%) $634,371 (0.6%) 1.22 972
    2023-12-01 $515,000 (0.0%) $646,848 (2.3%) 1.26 833
    2024-01-01 $519,987 (0.1%) $666,332 (5.6%) 1.27 731
    2024-02-01 $525,000 (1.2%) $690,380 (8.1%) 1.26 777
    2024-03-01 $530,000 (0.5%) $697,534 (7.2%) 1.25 831
    2024-04-01 $539,950 (0.0%) $703,605 (4.1%) 1.26 822
    2024-05-01 $547,950 (1.5%) $721,227 (6.2%) 1.25 891
    2024-06-01 $545,900 (0.7%) $708,686 (4.7%) 1.24 1,014
    2024-07-01 $541,913 (0.4%) $693,955 (6.1%) 1.24 1,064
    2024-08-01 $539,000 (1.0%) $679,791 (3.4%) 1.25 1,125
    2024-09-01 $537,500 (1.4%) $676,573 (6.1%) 1.26 1,153
    2024-10-01 $536,950 (3.3%) $674,849 (6.4%) 1.26 1,201
    2024-11-01 $530,000 (3.2%) $667,151 (5.2%) 1.27 1,136
    2024-12-01 $524,950 (1.9%) $664,011 (2.7%) 1.30 1,004
    2025-01-01 $524,900 (0.9%) $666,855 (0.1%) 1.31 969
    2025-02-01 $519,125 (-1.1%) $652,556 (-5.5%) 1.26 1,015
    2025-03-01 $529,900 (0.0%) $660,786 (-5.3%) 1.25 1,050
    2025-04-01 $534,798 (-1.0%) $663,506 (-5.7%) 1.24 1,134
    2025-05-01 $538,500 (-1.7%) $664,506 (-7.9%) 1.22 1,266
    2025-06-01 $540,652 (-1.0%) $669,244 (-5.6%) 1.23 1,386
    Greeley's median listing price for 2025-06-01 was $540,652, a difference of $-5,248 (-1.0%) versus the prior year and $2,152 versus the prior month.

    Greeley's median listing price comes in at 123% of the national average.

    Greeley's average listing price for 2025-06-01 was $669,244, a difference of $-39,442 (-5.6%) versus the prior year and $4,738 versus the prior month.

    For the 2025-06-01 period, Greeley had 1,386 MLS listings, a difference of 120 listings (9%) versus the prior month and 372 listings (37%) 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 2,998 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 2,923 sqft
    2019-05-01 38 days 2,908 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 2,835 sqft
    2020-01-01 65 days 2,910 sqft
    2020-02-01 44 days 2,998 sqft
    2020-03-01 31 days 3,033 sqft
    2020-04-01 35 days 2,912 sqft
    2020-05-01 40 days 2,874 sqft
    2020-06-01 37 days 2,843 sqft
    2020-07-01 37 days 2,920 sqft
    2020-08-01 35 days 2,839 sqft
    2020-09-01 37 days 2,743 sqft
    2020-10-01 37 days 2,761 sqft
    2020-11-01 42 days 2,685 sqft
    2020-12-01 52 days 2,638 sqft
    2021-01-01 64 days 2,687 sqft
    2021-02-01 37 days 2,741 sqft
    2021-03-01 25 days 2,673 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 2,518 sqft
    2021-10-01 35 days 2,558 sqft
    2021-11-01 37 days 2,542 sqft
    2021-12-01 40 days 2,490 sqft
    2022-01-01 38 days 2,496 sqft
    2022-02-01 31 days 2,576 sqft
    2022-03-01 22 days 2,605 sqft
    2022-04-01 21 days 2,702 sqft
    2022-05-01 17 days 2,762 sqft
    2022-06-01 21 days 2,811 sqft
    2022-07-01 27 days 2,763 sqft
    2022-08-01 35 days 2,629 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 2,572 sqft
    2023-02-01 51 days 2,574 sqft
    2023-03-01 39 days 2,641 sqft
    2023-04-01 31 days 2,650 sqft
    2023-05-01 33 days 2,762 sqft
    2023-06-01 38 days 2,739 sqft
    2023-07-01 38 days 2,745 sqft
    2023-08-01 41 days 2,716 sqft
    2023-09-01 44 days 2,653 sqft
    2023-10-01 43 days 2,560 sqft
    2023-11-01 47 days 2,558 sqft
    2023-12-01 62 days 2,543 sqft
    2024-01-01 69 days 2,554 sqft
    2024-02-01 42 days 2,592 sqft
    2024-03-01 38 days 2,583 sqft
    2024-04-01 43 days 2,613 sqft
    2024-05-01 34 days 2,627 sqft
    2024-06-01 38 days 2,600 sqft
    2024-07-01 43 days 2,572 sqft
    2024-08-01 44 days 2,581 sqft
    2024-09-01 46 days 2,604 sqft
    2024-10-01 50 days 2,632 sqft
    2024-11-01 58 days 2,576 sqft
    2024-12-01 63 days 2,554 sqft
    2025-01-01 65 days 2,536 sqft
    2025-02-01 53 days 2,429 sqft
    2025-03-01 43 days 2,453 sqft
    2025-04-01 38 days 2,476 sqft
    2025-05-01 37 days 2,577 sqft
    2025-06-01 44 days 2,592 sqft
    Greeley's median listing age (time on market) for 2025-06-01 was 44 days. This is 16% longer than the same period one year ago.

    Greeley's median square footage for active listings during the 2025-06-01 period was 2,592 sqft. One year prior, the average listing was 2,600 sqft.