Huntington USDA Loan Rates, Closing Costs & Stats

HUNTINGTON-ASHLAND, WV-KY-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.

    Huntington's 32 lenders originated 125 USDA loans during 2023. The total origination value was $17,575,000, with an average USDA loan value of $140,600.

    Huntington USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Huntington averaged 6.66% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Huntington's average USDA mortgage closing costs are $4,528.

    The average rate for the prior week (2025-02-07) was 6.52% and one month ago for the week of 2025-01-10, the average rate was 6.66%.

    The average rate one year ago was 6.26%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.66%.

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

    Huntington 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 Huntington level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Equity Prime Mortgage LLC 22 7.07% $4,456
    MOVEMENT MORTGAGE, LLC 14 6.39% $7,050
    UNITED WHOLESALE MORTGAGE, LLC 11 6.75% $6,326
    CALIBER HOME LOANS, INC. 9 6.81% $5,255
    UNION HOME MORTGAGE CORP. 7 7.02% $5,300
    Plains Commerce Bank 6 6.46% $6,027
    STOCKTON MORTGAGE CORPORATION 6 7.10% $6,384
    Victorian Finance, LLC 6 6.54% $5,122
    BAYSHORE MORTGAGE FUNDING, LLC 4 7.22% $8,290
    MID AMERICA MORTGAGE, INC. 4 6.97% $4,461
    U.S. Bank 4 6.84% $4,598
    Gateway First Bank 3 6.58% $6,790
    NEWREZ LLC 3 7.38% $5,676
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 7.25% $7,463
    THRIVE MORTGAGE, LLC 2 5.81% $5,044
    DAS Acquisition Company, LLC 2 6.69% $6,819
    Peoples Bank 2 6.56% $4,550
    POLARIS HOME FUNDING CORP. 2 6.75% $8,242
    WesBanco 1 6.00% $6,149
    ASHLAND Credit Union 1 5.63% $5,395
    CROSSCOUNTRY MORTGAGE, LLC 1 7.75% $5,375
    EQUITY RESOURCES, INC. 1 6.99% $5,001
    FIDELITY BANK 1 7.00% $6,024
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.13% $5,680
    LOANDEPOT.COM, LLC 1 6.25% $6,042
    Mortgage Research Center, LLC 1 6.25% $0
    Paramount Residential Mortgage Group, Inc. 1 6.63% $3,513
    PLAZA HOME MORTGAGE, INC. 1 6.25% $4,353
    ROYAL UNITED MORTGAGE LLC 1 7.25% $5,010
    The Huntington National Bank 1 5.11% $4,284
    Truist 1 6.25% $5,925
    AMERICAN FINANCIAL NETWORK, INC. 1 7.13% $6,977

    The top Huntington USDA lender as defined by loan originations is Equity Prime Mortgage LLC, with 22 USDA loans originated. Their average total fees are $4,456, which is $2,594 lower than the next largest lender, MOVEMENT MORTGAGE, LLC.

    The lowest fee Huntington USDA lenders (with over 10 loans originated) are Equity Prime Mortgage LLC ($4,456), UNITED WHOLESALE MORTGAGE, LLC ($6,326), MOVEMENT MORTGAGE, LLC ($7,050), .

    The lowest rate Huntington USDA lenders (with over 10 loans originated) are MOVEMENT MORTGAGE, LLC (6.39%), UNITED WHOLESALE MORTGAGE, LLC (6.75%), Equity Prime Mortgage LLC (7.07%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Huntington (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 $134,400 (0.3%) $188,168 (3.3%) 0.50 1,712
    2018-02-01 $134,900 (1.1%) $192,101 (6.5%) 0.49 1,692
    2018-03-01 $135,000 (0.0%) $193,902 (7.0%) 0.48 1,678
    2018-04-01 $136,737 (-1.6%) $192,877 (2.5%) 0.47 1,711
    2018-05-01 $138,825 (-0.3%) $196,100 (3.1%) 0.47 1,748
    2018-06-01 $144,000 (2.9%) $198,088 (3.0%) 0.48 1,796
    2018-07-01 $145,250 (4.1%) $199,851 (4.6%) 0.49 1,873
    2018-08-01 $144,900 (6.6%) $199,088 (7.2%) 0.49 1,908
    2018-09-01 $147,250 (9.2%) $198,912 (8.0%) 0.50 1,907
    2018-10-01 $144,950 (8.8%) $196,364 (6.4%) 0.49 1,881
    2018-11-01 $142,500 (8.6%) $192,357 (4.0%) 0.48 1,877
    2018-12-01 $139,900 (7.7%) $191,525 (2.1%) 0.48 1,820
    2019-01-01 $139,900 (4.1%) $189,977 (1.0%) 0.48 1,682
    2019-02-01 $138,625 (2.8%) $189,814 (-1.2%) 0.46 1,646
    2019-03-01 $139,214 (3.1%) $192,566 (-0.7%) 0.45 1,642
    2019-04-01 $139,700 (2.2%) $195,454 (1.3%) 0.44 1,626
    2019-05-01 $142,425 (2.6%) $196,083 (0.0%) 0.44 1,602
    2019-06-01 $142,500 (-1.0%) $194,269 (-1.9%) 0.44 1,619
    2019-07-01 $139,950 (-3.7%) $190,962 (-4.5%) 0.44 1,641
    2019-08-01 $140,336 (-3.2%) $191,436 (-3.8%) 0.44 1,664
    2019-09-01 $140,091 (-4.9%) $191,444 (-3.8%) 0.45 1,673
    2019-10-01 $139,900 (-3.5%) $191,450 (-2.5%) 0.45 1,675
    2019-11-01 $139,425 (-2.2%) $195,165 (1.5%) 0.46 1,612
    2019-12-01 $134,900 (-3.6%) $193,155 (0.9%) 0.45 1,564
    2020-01-01 $129,900 (-7.2%) $191,302 (0.7%) 0.43 1,460
    2020-02-01 $129,900 (-6.3%) $193,191 (1.8%) 0.43 1,440
    2020-03-01 $129,900 (-6.7%) $191,086 (-0.8%) 0.41 1,373
    2020-04-01 $129,900 (-7.0%) $192,964 (-1.3%) 0.41 1,297
    2020-05-01 $134,900 (-5.3%) $193,572 (-1.3%) 0.40 1,205
    2020-06-01 $144,250 (1.2%) $205,874 (6.0%) 0.42 1,067
    2020-07-01 $148,950 (6.4%) $204,449 (7.1%) 0.43 1,031
    2020-08-01 $145,750 (3.9%) $207,583 (8.4%) 0.42 909
    2020-09-01 $148,950 (6.3%) $207,948 (8.6%) 0.43 852
    2020-10-01 $144,950 (3.6%) $205,583 (7.4%) 0.42 858
    2020-11-01 $139,900 (0.3%) $195,843 (0.4%) 0.41 819
    2020-12-01 $135,000 (0.1%) $188,185 (-2.6%) 0.40 777
    2021-01-01 $129,950 (0.0%) $185,347 (-3.1%) 0.39 725
    2021-02-01 $124,625 (-4.1%) $175,057 (-9.4%) 0.36 650
    2021-03-01 $119,975 (-7.6%) $178,198 (-6.7%) 0.34 603
    2021-04-01 $116,850 (-10.1%) $190,252 (-1.4%) 0.32 551
    2021-05-01 $123,900 (-8.2%) $205,443 (6.1%) 0.33 536
    2021-06-01 $130,000 (-9.9%) $215,715 (4.8%) 0.34 503
    2021-07-01 $139,900 (-6.1%) $225,941 (10.5%) 0.37 549
    2021-08-01 $150,000 (2.9%) $226,481 (9.1%) 0.40 573
    2021-09-01 $154,000 (3.4%) $230,901 (11.0%) 0.41 581
    2021-10-01 $149,900 (3.4%) $220,152 (7.1%) 0.40 651
    2021-11-01 $149,450 (6.8%) $218,477 (11.6%) 0.40 657
    2021-12-01 $149,450 (10.7%) $220,822 (17.3%) 0.41 605
    2022-01-01 $146,250 (12.5%) $222,859 (20.2%) 0.39 535
    2022-02-01 $139,450 (11.9%) $224,662 (28.3%) 0.36 464
    2022-03-01 $149,900 (24.9%) $246,701 (38.4%) 0.37 421
    2022-04-01 $165,000 (41.2%) $272,903 (43.4%) 0.39 400
    2022-05-01 $177,000 (42.9%) $252,792 (23.1%) 0.40 432
    2022-06-01 $179,950 (38.4%) $244,944 (13.6%) 0.40 535
    2022-07-01 $175,000 (25.1%) $243,468 (7.8%) 0.39 567
    2022-08-01 $171,200 (14.1%) $243,582 (7.6%) 0.40 600
    2022-09-01 $177,000 (14.9%) $246,876 (6.9%) 0.41 648
    2022-10-01 $179,900 (20.0%) $243,049 (10.4%) 0.42 635
    2022-11-01 $175,000 (17.1%) $250,084 (14.5%) 0.42 652
    2022-12-01 $164,900 (10.3%) $248,009 (12.3%) 0.40 611
    2023-01-01 $159,900 (9.3%) $244,669 (9.8%) 0.40 558
    2023-02-01 $174,900 (25.4%) $252,672 (12.5%) 0.42 496
    2023-03-01 $177,750 (18.6%) $265,488 (7.6%) 0.41 459
    2023-04-01 $179,900 (9.0%) $263,323 (-3.5%) 0.41 433
    2023-05-01 $177,450 (0.3%) $262,655 (3.9%) 0.40 429
    2023-06-01 $185,600 (3.1%) $263,399 (7.5%) 0.41 454
    2023-07-01 $185,000 (5.7%) $268,954 (10.5%) 0.42 484
    2023-08-01 $179,450 (4.8%) $264,571 (8.6%) 0.41 534
    2023-09-01 $179,900 (1.6%) $261,335 (5.9%) 0.42 563
    2023-10-01 $194,450 (8.1%) $277,305 (14.1%) 0.46 594
    2023-11-01 $185,000 (5.7%) $261,097 (4.4%) 0.44 586
    2023-12-01 $180,000 (9.2%) $249,320 (0.5%) 0.44 586
    2024-01-01 $180,000 (12.6%) $246,264 (0.7%) 0.44 550
    2024-02-01 $174,925 (0.0%) $239,995 (-5.0%) 0.41 529
    2024-03-01 $179,950 (1.2%) $253,478 (-4.5%) 0.42 491
    2024-04-01 $199,925 (11.1%) $268,669 (2.0%) 0.46 496
    2024-05-01 $216,950 (22.3%) $279,887 (6.6%) 0.50 493
    2024-06-01 $219,000 (18.0%) $278,067 (5.6%) 0.47 507
    2024-07-01 $202,000 (9.2%) $271,588 (1.0%) 0.46 541
    2024-08-01 $209,500 (16.8%) $279,899 (5.8%) 0.48 549
    2024-09-01 $208,433 (15.9%) $279,203 (6.8%) 0.48 621
    2024-10-01 $203,933 (4.9%) $271,519 (-2.1%) 0.47 643
    2024-11-01 $215,000 (16.2%) $274,264 (5.0%) 0.50 623
    2024-12-01 $206,450 (14.7%) $268,108 (7.5%) 0.51 625
    2025-01-01 $199,900 (11.1%) $259,191 (5.3%) 0.00 584
    Huntington's median listing price for 2025-01-01 was $199,900, a difference of $19,900 (11.1%) versus the prior year and $-6,550 versus the prior month.

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

    Huntington's average listing price for 2025-01-01 was $259,191, a difference of $12,927 (5.3%) versus the prior year and $-8,917 versus the prior month.

    For the 2025-01-01 period, Huntington had 584 MLS listings, a difference of -41 listings (-7%) versus the prior month and 34 listings (6%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Huntington (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 110 days 1,751 sqft
    2018-02-01 105 days 1,759 sqft
    2018-03-01 88 days 1,771 sqft
    2018-04-01 80 days 1,788 sqft
    2018-05-01 75 days 1,800 sqft
    2018-06-01 80 days 1,811 sqft
    2018-07-01 78 days 1,813 sqft
    2018-08-01 78 days 1,829 sqft
    2018-09-01 79 days 1,834 sqft
    2018-10-01 86 days 1,817 sqft
    2018-11-01 91 days 1,800 sqft
    2018-12-01 100 days 1,800 sqft
    2019-01-01 108 days 1,800 sqft
    2019-02-01 107 days 1,776 sqft
    2019-03-01 97 days 1,767 sqft
    2019-04-01 83 days 1,767 sqft
    2019-05-01 78 days 1,778 sqft
    2019-06-01 75 days 1,776 sqft
    2019-07-01 78 days 1,779 sqft
    2019-08-01 77 days 1,774 sqft
    2019-09-01 80 days 1,771 sqft
    2019-10-01 82 days 1,764 sqft
    2019-11-01 88 days 1,738 sqft
    2019-12-01 98 days 1,741 sqft
    2020-01-01 107 days 1,726 sqft
    2020-02-01 102 days 1,722 sqft
    2020-03-01 92 days 1,694 sqft
    2020-04-01 88 days 1,676 sqft
    2020-05-01 92 days 1,704 sqft
    2020-06-01 89 days 1,779 sqft
    2020-07-01 74 days 1,797 sqft
    2020-08-01 72 days 1,783 sqft
    2020-09-01 69 days 1,782 sqft
    2020-10-01 66 days 1,800 sqft
    2020-11-01 66 days 1,762 sqft
    2020-12-01 72 days 1,685 sqft
    2021-01-01 82 days 1,680 sqft
    2021-02-01 84 days 1,601 sqft
    2021-03-01 74 days 1,569 sqft
    2021-04-01 64 days 1,570 sqft
    2021-05-01 47 days 1,600 sqft
    2021-06-01 50 days 1,615 sqft
    2021-07-01 50 days 1,700 sqft
    2021-08-01 43 days 1,704 sqft
    2021-09-01 50 days 1,723 sqft
    2021-10-01 51 days 1,676 sqft
    2021-11-01 56 days 1,612 sqft
    2021-12-01 64 days 1,608 sqft
    2022-01-01 76 days 1,598 sqft
    2022-02-01 82 days 1,584 sqft
    2022-03-01 65 days 1,685 sqft
    2022-04-01 48 days 1,772 sqft
    2022-05-01 42 days 1,805 sqft
    2022-06-01 35 days 1,853 sqft
    2022-07-01 45 days 1,828 sqft
    2022-08-01 51 days 1,813 sqft
    2022-09-01 52 days 1,850 sqft
    2022-10-01 57 days 1,848 sqft
    2022-11-01 64 days 1,822 sqft
    2022-12-01 79 days 1,806 sqft
    2023-01-01 82 days 1,800 sqft
    2023-02-01 82 days 1,813 sqft
    2023-03-01 65 days 1,814 sqft
    2023-04-01 54 days 1,854 sqft
    2023-05-01 50 days 1,801 sqft
    2023-06-01 48 days 1,797 sqft
    2023-07-01 49 days 1,865 sqft
    2023-08-01 43 days 1,810 sqft
    2023-09-01 45 days 1,800 sqft
    2023-10-01 50 days 1,856 sqft
    2023-11-01 53 days 1,781 sqft
    2023-12-01 59 days 1,744 sqft
    2024-01-01 70 days 1,717 sqft
    2024-02-01 76 days 1,690 sqft
    2024-03-01 66 days 1,721 sqft
    2024-04-01 56 days 1,760 sqft
    2024-05-01 50 days 1,808 sqft
    2024-06-01 47 days 1,768 sqft
    2024-07-01 50 days 1,726 sqft
    2024-08-01 46 days 1,784 sqft
    2024-09-01 44 days 1,808 sqft
    2024-10-01 49 days 1,774 sqft
    2024-11-01 59 days 1,790 sqft
    2024-12-01 66 days 1,800 sqft
    2025-01-01 0 days 1,779 sqft
    Huntington's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Huntington's median square footage for active listings during the 2025-01-01 period was 1,779 sqft. One year prior, the average listing was 1,717 sqft.