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 6.7% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

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

    The average rate for the prior week (2024-04-12) was 6.75% and one month ago for the week of 2024-03-15, the average rate was 6.63%.

    The average rate one year ago was 6.07%.

    For refis of the same type during the week of 2024-04-19, the average rate was 7.1%.

    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 $134,950 (0.7%) $187,771 (2.6%) 0.50 1,651
    2018-02-01 $135,000 (1.0%) $191,812 (5.8%) 0.49 1,636
    2018-03-01 $137,000 (1.5%) $193,560 (6.4%) 0.48 1,615
    2018-04-01 $137,850 (-0.8%) $193,088 (2.2%) 0.47 1,643
    2018-05-01 $139,450 (0.1%) $196,411 (3.0%) 0.47 1,676
    2018-06-01 $144,900 (3.6%) $197,671 (2.3%) 0.48 1,722
    2018-07-01 $146,975 (5.4%) $198,837 (3.6%) 0.49 1,799
    2018-08-01 $145,000 (6.7%) $197,934 (6.0%) 0.49 1,836
    2018-09-01 $148,000 (9.7%) $196,503 (6.3%) 0.50 1,836
    2018-10-01 $145,000 (10.1%) $193,604 (4.4%) 0.49 1,810
    2018-11-01 $141,625 (9.0%) $189,071 (1.8%) 0.48 1,811
    2018-12-01 $139,900 (7.7%) $188,113 (0.8%) 0.48 1,756
    2019-01-01 $139,900 (3.7%) $186,676 (-0.6%) 0.48 1,631
    2019-02-01 $137,450 (1.8%) $186,279 (-2.9%) 0.46 1,597
    2019-03-01 $136,693 (-0.2%) $188,955 (-2.4%) 0.45 1,596
    2019-04-01 $138,925 (0.8%) $192,107 (-0.5%) 0.44 1,585
    2019-05-01 $140,750 (0.9%) $195,238 (-0.6%) 0.44 1,562
    2019-06-01 $140,000 (-3.4%) $193,685 (-2.0%) 0.44 1,577
    2019-07-01 $139,900 (-4.8%) $190,077 (-4.4%) 0.44 1,592
    2019-08-01 $139,973 (-3.5%) $190,404 (-3.8%) 0.44 1,617
    2019-09-01 $139,932 (-5.5%) $190,238 (-3.2%) 0.45 1,624
    2019-10-01 $139,900 (-3.5%) $190,127 (-1.8%) 0.45 1,626
    2019-11-01 $139,000 (-1.9%) $192,130 (1.6%) 0.46 1,568
    2019-12-01 $134,400 (-3.9%) $191,110 (1.6%) 0.45 1,521
    2020-01-01 $129,900 (-7.2%) $190,136 (1.9%) 0.43 1,421
    2020-02-01 $129,900 (-5.5%) $192,856 (3.5%) 0.43 1,396
    2020-03-01 $129,900 (-5.0%) $190,813 (1.0%) 0.41 1,329
    2020-04-01 $129,900 (-6.5%) $192,787 (0.4%) 0.41 1,257
    2020-05-01 $130,000 (-7.6%) $192,858 (-1.2%) 0.40 1,168
    2020-06-01 $143,975 (2.8%) $205,565 (6.1%) 0.42 1,033
    2020-07-01 $149,000 (6.5%) $203,971 (7.3%) 0.43 996
    2020-08-01 $146,000 (4.3%) $206,577 (8.5%) 0.42 875
    2020-09-01 $149,000 (6.5%) $209,318 (10.0%) 0.43 825
    2020-10-01 $144,950 (3.6%) $205,766 (8.2%) 0.42 823
    2020-11-01 $139,900 (0.7%) $195,243 (1.6%) 0.41 784
    2020-12-01 $135,000 (0.5%) $187,251 (-2.0%) 0.40 748
    2021-01-01 $129,900 (0.0%) $184,002 (-3.2%) 0.39 698
    2021-02-01 $124,625 (-4.1%) $173,813 (-9.9%) 0.36 624
    2021-03-01 $119,950 (-7.7%) $177,998 (-6.7%) 0.34 579
    2021-04-01 $117,450 (-9.6%) $183,474 (-4.8%) 0.32 528
    2021-05-01 $122,900 (-5.5%) $197,789 (2.6%) 0.33 515
    2021-06-01 $130,625 (-9.3%) $208,471 (1.4%) 0.34 479
    2021-07-01 $142,000 (-4.7%) $217,099 (6.4%) 0.37 515
    2021-08-01 $150,000 (2.7%) $217,359 (5.2%) 0.40 544
    2021-09-01 $152,450 (2.3%) $221,422 (5.8%) 0.41 553
    2021-10-01 $149,900 (3.4%) $211,858 (3.0%) 0.40 621
    2021-11-01 $149,450 (6.8%) $209,939 (7.5%) 0.40 624
    2021-12-01 $149,675 (10.9%) $211,551 (13.0%) 0.41 575
    2022-01-01 $145,000 (11.6%) $209,550 (13.9%) 0.39 507
    2022-02-01 $137,450 (10.3%) $211,856 (21.9%) 0.36 442
    2022-03-01 $148,450 (23.8%) $233,471 (31.2%) 0.37 404
    2022-04-01 $164,950 (40.4%) $267,616 (45.9%) 0.39 381
    2022-05-01 $174,975 (42.4%) $249,804 (26.3%) 0.40 414
    2022-06-01 $179,950 (37.8%) $243,086 (16.6%) 0.40 515
    2022-07-01 $175,000 (23.2%) $242,595 (11.7%) 0.39 542
    2022-08-01 $172,012 (14.7%) $242,455 (11.6%) 0.40 573
    2022-09-01 $177,450 (16.4%) $246,892 (11.5%) 0.41 621
    2022-10-01 $179,900 (20.0%) $241,577 (14.0%) 0.42 614
    2022-11-01 $175,000 (17.1%) $248,509 (18.4%) 0.42 634
    2022-12-01 $160,000 (6.9%) $245,684 (16.1%) 0.40 593
    2023-01-01 $159,900 (10.3%) $242,139 (15.6%) 0.40 538
    2023-02-01 $172,350 (25.4%) $250,182 (18.1%) 0.42 477
    2023-03-01 $174,450 (17.5%) $262,563 (12.5%) 0.41 439
    2023-04-01 $178,400 (8.2%) $262,637 (-1.9%) 0.41 412
    2023-05-01 $177,450 (1.4%) $262,732 (5.2%) 0.40 414
    2023-06-01 $184,250 (2.4%) $263,390 (8.4%) 0.41 439
    2023-07-01 $185,000 (5.7%) $269,032 (10.9%) 0.42 469
    2023-08-01 $179,700 (4.5%) $263,675 (8.8%) 0.41 520
    2023-09-01 $179,900 (1.4%) $259,759 (5.2%) 0.42 549
    2023-10-01 $193,675 (7.7%) $276,717 (14.6%) 0.46 579
    2023-11-01 $183,700 (5.0%) $258,757 (4.1%) 0.44 565
    2023-12-01 $179,500 (12.2%) $245,936 (0.1%) 0.44 567
    2024-01-01 $179,200 (12.1%) $243,428 (0.5%) 0.44 532
    2024-02-01 $172,350 (0.0%) $238,459 (-4.7%) 0.41 511
    2024-03-01 $179,950 (3.2%) $250,808 (-4.5%) 0.42 471
    Huntington's median listing price for 2024-03-01 was $179,950, a difference of $5,500 (3.2%) versus the prior year and $7,600 versus the prior month.

    Huntington's median listing price comes in at 42% of the national average.

    Huntington's average listing price for 2024-03-01 was $250,808, a difference of $-11,755 (-4.5%) versus the prior year and $12,349 versus the prior month.

    For the 2024-03-01 period, Huntington had 471 MLS listings, a difference of -40 listings (-8%) versus the prior month and 32 listings (7%) 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 1,747 sqft
    2018-02-01 105 days 1,757 sqft
    2018-03-01 88 days 1,769 sqft
    2018-04-01 80 days 1,786 sqft
    2018-05-01 75 days 1,800 sqft
    2018-06-01 80 days 1,803 sqft
    2018-07-01 78 days 1,811 sqft
    2018-08-01 78 days 1,819 sqft
    2018-09-01 79 days 1,824 sqft
    2018-10-01 86 days 1,808 sqft
    2018-11-01 91 days 1,798 sqft
    2018-12-01 100 days 1,793 sqft
    2019-01-01 108 days 1,791 sqft
    2019-02-01 107 days 1,762 sqft
    2019-03-01 97 days 1,755 sqft
    2019-04-01 83 days 1,755 sqft
    2019-05-01 78 days 1,769 sqft
    2019-06-01 75 days 1,774 sqft
    2019-07-01 78 days 1,773 sqft
    2019-08-01 77 days 1,765 sqft
    2019-09-01 80 days 1,758 sqft
    2019-10-01 82 days 1,748 sqft
    2019-11-01 88 days 1,721 sqft
    2019-12-01 98 days 1,727 sqft
    2020-01-01 107 days 1,718 sqft
    2020-02-01 102 days 1,719 sqft
    2020-03-01 92 days 1,699 sqft
    2020-04-01 88 days 1,677 sqft
    2020-05-01 92 days 1,700 sqft
    2020-06-01 89 days 1,781 sqft
    2020-07-01 74 days 1,797 sqft
    2020-08-01 72 days 1,773 sqft
    2020-09-01 69 days 1,794 sqft
    2020-10-01 66 days 1,800 sqft
    2020-11-01 66 days 1,767 sqft
    2020-12-01 72 days 1,680 sqft
    2021-01-01 82 days 1,664 sqft
    2021-02-01 84 days 1,600 sqft
    2021-03-01 74 days 1,571 sqft
    2021-04-01 64 days 1,572 sqft
    2021-05-01 47 days 1,600 sqft
    2021-06-01 50 days 1,624 sqft
    2021-07-01 50 days 1,707 sqft
    2021-08-01 43 days 1,689 sqft
    2021-09-01 50 days 1,709 sqft
    2021-10-01 51 days 1,669 sqft
    2021-11-01 56 days 1,606 sqft
    2021-12-01 64 days 1,602 sqft
    2022-01-01 76 days 1,575 sqft
    2022-02-01 82 days 1,575 sqft
    2022-03-01 65 days 1,674 sqft
    2022-04-01 48 days 1,772 sqft
    2022-05-01 42 days 1,795 sqft
    2022-06-01 35 days 1,860 sqft
    2022-07-01 45 days 1,844 sqft
    2022-08-01 51 days 1,813 sqft
    2022-09-01 52 days 1,848 sqft
    2022-10-01 57 days 1,832 sqft
    2022-11-01 64 days 1,822 sqft
    2022-12-01 79 days 1,809 sqft
    2023-01-01 82 days 1,800 sqft
    2023-02-01 82 days 1,798 sqft
    2023-03-01 65 days 1,800 sqft
    2023-04-01 54 days 1,811 sqft
    2023-05-01 50 days 1,790 sqft
    2023-06-01 48 days 1,797 sqft
    2023-07-01 49 days 1,864 sqft
    2023-08-01 43 days 1,803 sqft
    2023-09-01 45 days 1,799 sqft
    2023-10-01 50 days 1,863 sqft
    2023-11-01 53 days 1,775 sqft
    2023-12-01 59 days 1,744 sqft
    2024-01-01 70 days 1,721 sqft
    2024-02-01 76 days 1,693 sqft
    2024-03-01 66 days 1,727 sqft
    Huntington's median listing age (time on market) for 2024-03-01 was 66 days. This is 2% longer than the same period one year ago.

    Huntington's median square footage for active listings during the 2024-03-01 period was 1,727 sqft. One year prior, the average listing was 1,800 sqft.