Huntington USDA Loan Rates, Closing Costs & Stats

Huntington, IN

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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 17 lenders originated 33 USDA loans during 2023. The total origination value was $5,115,000, with an average USDA loan value of $155,000.

    Huntington USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Huntington averaged 6.37% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Huntington's average USDA mortgage closing costs are $3,218.

    The average rate for the prior week (2024-12-06) was 6.7% and one month ago for the week of 2024-11-08, the average rate was 6.62%.

    The average rate one year ago was 6.79%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.2%.

    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
    RUOFF MORTGAGE COMPANY, INC. 9 7.08% $2,430
    CARDINAL FINANCIAL 3 6.75% $5,697
    NEWREZ LLC 3 6.83% $4,060
    GVC MORTGAGE, INC. 3 7.46% $5,651
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.75% $6,859
    Mortgage Research Center, LLC 1 6.75% $2,597
    POLARIS HOME FUNDING CORP. 1 7.63% $5,803
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.63% $7,484
    STOCKTON MORTGAGE CORPORATION 1 6.63% $7,553
    THRIVE MORTGAGE, LLC 1 7.50% $4,280
    UNION HOME MORTGAGE CORP. 1 6.63% $4,514
    ACADEMY MORTGAGE CORPORATION 1 6.13% $7,951
    Union Savings Bank 1 6.88% $2,718
    CALIBER HOME LOANS, INC. 1 6.75% $5,889
    Citizens Bank 1 7.25% $6,821
    Fifth Third Bank 1 5.75% $4,575
    HALLMARK HOME MORTGAGE, LLC 1 7.13% $5,409

    The top Huntington USDA lender as defined by loan originations is RUOFF MORTGAGE COMPANY, INC., with 9 USDA loans originated. Their average total fees are $2,430, which is $3,267 lower than the next largest lender, CARDINAL FINANCIAL.

    The lowest fee Huntington USDA lenders (with over 10 loans originated) are .

    The lowest rate Huntington USDA lenders (with over 10 loans originated) are .

    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 $126,500 (58.3%) $155,011 (28.8%) 0.00 99
    2018-02-01 $112,436 (39.5%) $151,288 (24.4%) 0.00 98
    2018-03-01 $122,900 (46.1%) $159,286 (27.6%) 0.00 89
    2018-04-01 $123,150 (46.8%) $166,051 (24.3%) 0.00 89
    2018-05-01 $127,400 (50.1%) $166,958 (24.6%) 0.00 100
    2018-06-01 $114,900 (26.9%) $156,673 (12.2%) 0.00 110
    2018-07-01 $99,925 (9.5%) $153,923 (6.6%) 0.00 100
    2018-08-01 $128,425 (22.4%) $168,752 (8.8%) 0.00 98
    2018-09-01 $126,650 (10.1%) $158,270 (-8.3%) 0.00 108
    2018-10-01 $104,900 (-17.8%) $148,555 (-18.4%) 0.00 106
    2018-11-01 $94,700 (-25.2%) $144,791 (-15.1%) 0.00 97
    2018-12-01 $92,700 (-22.7%) $148,382 (-3.2%) 0.00 96
    2019-01-01 $106,150 (-16.1%) $156,390 (0.9%) 0.00 99
    2019-02-01 $134,695 (19.8%) $164,452 (8.7%) 0.00 93
    2019-03-01 $152,149 (23.8%) $166,835 (4.7%) 0.00 91
    2019-04-01 $158,593 (28.8%) $167,899 (1.1%) 0.00 96
    2019-05-01 $151,970 (19.3%) $160,589 (-3.8%) 0.00 105
    2019-06-01 $149,900 (30.5%) $166,946 (6.6%) 0.00 105
    2019-07-01 $149,950 (50.1%) $183,355 (19.1%) 0.00 107
    2019-08-01 $146,982 (14.5%) $175,055 (3.7%) 0.00 119
    2019-09-01 $142,605 (12.6%) $167,126 (5.6%) 0.00 128
    2019-10-01 $138,300 (31.8%) $158,603 (6.8%) 0.00 132
    2019-11-01 $132,000 (39.4%) $153,874 (6.3%) 0.00 122
    2019-12-01 $116,225 (25.4%) $140,328 (-5.4%) 0.00 122
    2020-01-01 $122,475 (15.4%) $138,331 (-11.6%) 0.00 93
    2020-02-01 $89,950 (-33.2%) $119,992 (-27.0%) 0.00 81
    2020-03-01 $98,400 (-35.3%) $127,088 (-23.8%) 0.00 92
    2020-04-01 $107,975 (-31.9%) $134,040 (-20.2%) 0.00 98
    2020-05-01 $119,900 (-21.1%) $140,412 (-12.6%) 0.00 92
    2020-06-01 $119,900 (-20.0%) $139,780 (-16.3%) 0.00 72
    2020-07-01 $114,200 (-23.8%) $167,966 (-8.4%) 0.00 57
    2020-08-01 $139,900 (-4.8%) $203,312 (16.1%) 0.00 47
    2020-09-01 $130,450 (-8.5%) $218,793 (30.9%) 0.00 48
    2020-10-01 $119,400 (-13.7%) $213,823 (34.8%) 0.00 50
    2020-11-01 $93,550 (-29.1%) $184,502 (19.9%) 0.00 49
    2020-12-01 $87,950 (-24.3%) $174,055 (24.0%) 0.00 39
    2021-01-01 $94,900 (-22.5%) $193,066 (39.6%) 0.00 26
    2021-02-01 $171,350 (90.5%) $245,161 (104.3%) 0.00 17
    2021-03-01 $212,175 (115.6%) $283,115 (122.8%) 0.00 19
    2021-04-01 $210,987 (95.4%) $305,752 (128.1%) 0.00 20
    2021-05-01 $160,000 (33.4%) $247,493 (76.3%) 0.00 20
    2021-06-01 $112,450 (-6.2%) $205,052 (46.7%) 0.00 30
    2021-07-01 $113,550 (-0.6%) $206,618 (23.0%) 0.00 38
    2021-08-01 $152,925 (9.3%) $201,645 (-0.8%) 0.00 45
    2021-09-01 $123,950 (-5.0%) $202,472 (-7.5%) 0.00 44
    2021-10-01 $113,450 (-5.0%) $191,623 (-10.4%) 0.00 47
    2021-11-01 $108,875 (16.4%) $173,345 (-6.1%) 0.00 51
    2021-12-01 $121,625 (38.3%) $209,204 (20.2%) 0.00 39
    2022-01-01 $145,000 (52.8%) $217,672 (12.8%) 0.00 31
    2022-02-01 $122,475 (-28.5%) $209,012 (-14.8%) 0.00 21
    2022-03-01 $148,625 (-30.0%) $176,443 (-37.7%) 0.00 15
    2022-04-01 $195,000 (-7.6%) $200,728 (-34.4%) 0.00 23
    2022-05-01 $220,967 (38.1%) $328,495 (32.7%) 0.00 27
    2022-06-01 $182,225 (62.1%) $282,934 (38.0%) 0.00 39
    2022-07-01 $162,411 (43.0%) $296,510 (43.5%) 0.00 39
    2022-08-01 $222,400 (45.4%) $368,629 (82.8%) 0.00 43
    2022-09-01 $197,450 (59.3%) $357,825 (76.7%) 0.00 46
    2022-10-01 $247,400 (118.1%) $399,422 (108.4%) 0.00 42
    2022-11-01 $264,400 (142.9%) $409,244 (136.1%) 0.00 38
    2022-12-01 $259,786 (113.6%) $323,762 (54.8%) 0.00 37
    2023-01-01 $250,172 (72.5%) $272,280 (25.1%) 0.00 24
    2023-02-01 $254,115 (107.5%) $254,052 (21.6%) 0.00 26
    2023-03-01 $254,115 (71.0%) $282,272 (60.0%) 0.00 30
    2023-04-01 $248,963 (27.7%) $353,971 (76.3%) 0.00 24
    2023-05-01 $198,750 (-10.1%) $303,340 (-7.7%) 0.00 30
    2023-06-01 $223,441 (22.6%) $327,416 (15.7%) 0.00 29
    2023-07-01 $224,900 (38.5%) $238,130 (-19.7%) 0.00 40
    2023-08-01 $208,700 (-6.2%) $247,257 (-32.9%) 0.00 43
    2023-09-01 $194,500 (-1.5%) $227,673 (-36.4%) 0.00 47
    2023-10-01 $183,500 (-25.8%) $220,617 (-44.8%) 0.00 56
    2023-11-01 $188,425 (-28.7%) $225,991 (-44.8%) 0.00 63
    2023-12-01 $230,000 (-11.5%) $268,119 (-17.2%) 0.00 54
    2024-01-01 $240,500 (-3.9%) $264,729 (-2.8%) 0.00 53
    2024-02-01 $243,177 (-4.3%) $249,754 (-1.7%) 0.00 51
    2024-03-01 $259,900 (2.3%) $260,073 (-7.9%) 0.00 43
    2024-04-01 $253,494 (1.8%) $266,876 (-24.6%) 0.00 40
    2024-05-01 $252,279 (26.9%) $280,476 (-7.5%) 0.00 49
    2024-06-01 $260,924 (16.8%) $304,568 (-7.0%) 0.00 50
    2024-07-01 $253,475 (12.7%) $288,171 (21.0%) 0.00 56
    2024-08-01 $242,400 (16.2%) $289,005 (16.9%) 0.00 65
    2024-09-01 $235,000 (20.8%) $274,251 (20.5%) 0.00 77
    2024-10-01 $235,450 (28.3%) $268,205 (21.6%) 0.00 78
    2024-11-01 $219,500 (16.5%) $270,169 (19.6%) 0.00 83
    Huntington's median listing price for 2024-11-01 was $219,500, a difference of $31,075 (16.5%) versus the prior year and $-15,950 versus the prior month.

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

    Huntington's average listing price for 2024-11-01 was $270,169, a difference of $44,178 (19.6%) versus the prior year and $1,964 versus the prior month.

    For the 2024-11-01 period, Huntington had 83 MLS listings, a difference of 5 listings (6%) versus the prior month and 20 listings (32%) 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 0 days 1,722 sqft
    2018-02-01 0 days 1,686 sqft
    2018-03-01 0 days 1,696 sqft
    2018-04-01 0 days 1,737 sqft
    2018-05-01 0 days 1,735 sqft
    2018-06-01 0 days 1,645 sqft
    2018-07-01 0 days 1,628 sqft
    2018-08-01 0 days 1,742 sqft
    2018-09-01 0 days 1,791 sqft
    2018-10-01 0 days 1,769 sqft
    2018-11-01 0 days 1,699 sqft
    2018-12-01 0 days 1,699 sqft
    2019-01-01 0 days 1,680 sqft
    2019-02-01 0 days 1,747 sqft
    2019-03-01 0 days 1,763 sqft
    2019-04-01 0 days 1,763 sqft
    2019-05-01 0 days 1,801 sqft
    2019-06-01 0 days 1,811 sqft
    2019-07-01 0 days 1,811 sqft
    2019-08-01 0 days 1,811 sqft
    2019-09-01 0 days 1,811 sqft
    2019-10-01 0 days 1,811 sqft
    2019-11-01 0 days 1,811 sqft
    2019-12-01 0 days 1,737 sqft
    2020-01-01 0 days 1,710 sqft
    2020-02-01 0 days 1,534 sqft
    2020-03-01 0 days 1,567 sqft
    2020-04-01 0 days 1,541 sqft
    2020-05-01 0 days 1,642 sqft
    2020-06-01 0 days 1,614 sqft
    2020-07-01 0 days 1,623 sqft
    2020-08-01 0 days 1,717 sqft
    2020-09-01 0 days 1,716 sqft
    2020-10-01 0 days 1,564 sqft
    2020-11-01 0 days 1,516 sqft
    2020-12-01 0 days 1,406 sqft
    2021-01-01 0 days 1,525 sqft
    2021-02-01 0 days 1,707 sqft
    2021-03-01 0 days 1,736 sqft
    2021-04-01 0 days 1,732 sqft
    2021-05-01 0 days 1,606 sqft
    2021-06-01 0 days 1,691 sqft
    2021-07-01 0 days 1,709 sqft
    2021-08-01 0 days 1,744 sqft
    2021-09-01 0 days 1,700 sqft
    2021-10-01 0 days 1,606 sqft
    2021-11-01 0 days 1,596 sqft
    2021-12-01 0 days 1,745 sqft
    2022-01-01 0 days 1,815 sqft
    2022-02-01 0 days 1,641 sqft
    2022-03-01 0 days 1,554 sqft
    2022-04-01 0 days 1,655 sqft
    2022-05-01 0 days 1,695 sqft
    2022-06-01 0 days 1,794 sqft
    2022-07-01 0 days 1,669 sqft
    2022-08-01 0 days 1,882 sqft
    2022-09-01 0 days 1,892 sqft
    2022-10-01 0 days 1,932 sqft
    2022-11-01 0 days 1,940 sqft
    2022-12-01 0 days 1,772 sqft
    2023-01-01 0 days 1,495 sqft
    2023-02-01 0 days 1,511 sqft
    2023-03-01 0 days 1,603 sqft
    2023-04-01 0 days 1,539 sqft
    2023-05-01 0 days 1,493 sqft
    2023-06-01 0 days 1,798 sqft
    2023-07-01 0 days 1,669 sqft
    2023-08-01 0 days 1,627 sqft
    2023-09-01 0 days 1,569 sqft
    2023-10-01 0 days 1,574 sqft
    2023-11-01 0 days 1,595 sqft
    2023-12-01 0 days 1,641 sqft
    2024-01-01 0 days 1,607 sqft
    2024-02-01 0 days 1,562 sqft
    2024-03-01 0 days 1,697 sqft
    2024-04-01 0 days 1,875 sqft
    2024-05-01 0 days 1,900 sqft
    2024-06-01 0 days 1,916 sqft
    2024-07-01 0 days 1,887 sqft
    2024-08-01 0 days 1,890 sqft
    2024-09-01 0 days 1,811 sqft
    2024-10-01 0 days 1,777 sqft
    2024-11-01 0 days 1,839 sqft
    Huntington's median listing age (time on market) for 2024-11-01 was 0 days.

    Huntington's median square footage for active listings during the 2024-11-01 period was 1,839 sqft. One year prior, the average listing was 1,595 sqft.