Lagrange USDA Loan Rates, Closing Costs & Stats

LaGrange, GA-AL

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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.

    Lagrange's 25 lenders originated 44 USDA loans during 2023. The total origination value was $7,460,000, with an average USDA loan value of $169,545.

    Lagrange USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Lagrange averaged 6.48% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Lagrange's average USDA mortgage closing costs are $4,745.

    The average rate for the prior week (2025-02-07) was 6.44% and one month ago for the week of 2025-01-10, the average rate was 6.49%.

    The average rate one year ago was 6.68%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.43%.

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

    Lagrange 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 Lagrange level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CMG MORTGAGE, INC. 5 6.45% $6,518
    Ameris Bank 5 6.80% $5,698
    Keystone Funding, Inc. 4 6.19% $6,551
    Magnolia Bank 3 6.58% $6,009
    MOVEMENT MORTGAGE, LLC 2 7.25% $7,035
    GUARANTEED RATE, INC. 2 6.69% $8,216
    Barrington Bank & Trust Company, N.A. 2 7.00% $5,637
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.75% $3,980
    INTERLINC MORTGAGE SERVICES, LLC 1 6.25% $2,383
    NEWREZ LLC 1 7.13% $8,880
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 6.00% $8,844
    SouthPoint Bank 1 7.38% $2,493
    STOCKTON MORTGAGE CORPORATION 1 0.00% $10,833
    Trustmark National Bank 1 6.50% $11,472
    United Bank 1 6.13% $6,602
    UNITED WHOLESALE MORTGAGE, LLC 1 7.75% $6,928
    AMERICAN FINANCIAL NETWORK, INC. 1 6.63% $3,894
    Wilson Bank And Trust 1 7.00% $3,032
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $4,910
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 7.25% $9,697
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $9,568
    DAS Acquisition Company, LLC 1 5.25% $9,462
    EMM LOANS LLC 1 6.13% $6,966
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.88% $6,913
    Hometown Equity Mortgage, LLC 1 6.38% $12,322

    The top Lagrange USDA lender as defined by loan originations is CMG MORTGAGE, INC., with 5 USDA loans originated. Their average total fees are $6,518, which is $820 higher than the next largest lender, Ameris Bank.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Lagrange (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 $149,100 (4.7%) $200,245 (10.2%) 0.00 357
    2018-02-01 $149,925 (7.8%) $205,859 (14.8%) 0.00 343
    2018-03-01 $159,900 (15.1%) $206,954 (11.8%) 0.00 348
    2018-04-01 $169,800 (21.4%) $207,359 (9.9%) 0.00 379
    2018-05-01 $170,950 (15.4%) $207,172 (6.4%) 0.00 377
    2018-06-01 $169,900 (15.1%) $209,286 (5.2%) 0.00 386
    2018-07-01 $171,625 (7.3%) $211,006 (3.2%) 0.00 421
    2018-08-01 $162,500 (8.4%) $211,694 (5.6%) 0.00 417
    2018-09-01 $169,900 (14.0%) $208,684 (2.4%) 0.00 426
    2018-10-01 $175,000 (18.9%) $210,552 (4.3%) 0.00 426
    2018-11-01 $184,075 (24.0%) $211,211 (5.7%) 0.00 425
    2018-12-01 $180,000 (22.9%) $214,521 (6.5%) 0.00 416
    2019-01-01 $183,600 (23.1%) $213,038 (6.4%) 0.00 386
    2019-02-01 $189,800 (26.6%) $215,053 (4.5%) 0.00 370
    2019-03-01 $183,514 (14.8%) $215,530 (4.1%) 0.00 375
    2019-04-01 $175,100 (3.1%) $208,809 (0.7%) 0.00 388
    2019-05-01 $177,075 (3.6%) $209,516 (1.1%) 0.00 396
    2019-06-01 $177,995 (4.8%) $208,318 (-0.5%) 0.00 406
    2019-07-01 $172,700 (0.6%) $205,107 (-2.8%) 0.00 412
    2019-08-01 $177,577 (9.3%) $207,513 (-2.0%) 0.00 401
    2019-09-01 $181,443 (6.8%) $209,437 (0.4%) 0.00 390
    2019-10-01 $181,745 (3.9%) $210,355 (-0.1%) 0.00 381
    2019-11-01 $174,450 (-5.2%) $205,286 (-2.8%) 0.00 368
    2019-12-01 $170,568 (-5.2%) $204,185 (-4.8%) 0.00 365
    2020-01-01 $169,900 (-7.5%) $200,025 (-6.1%) 0.00 349
    2020-02-01 $169,900 (-10.5%) $201,146 (-6.5%) 0.00 346
    2020-03-01 $176,200 (-4.0%) $203,808 (-5.4%) 0.00 323
    2020-04-01 $176,450 (0.8%) $204,751 (-1.9%) 0.00 319
    2020-05-01 $187,250 (5.8%) $221,989 (6.0%) 0.00 290
    2020-06-01 $199,945 (12.3%) $233,582 (12.1%) 0.00 262
    2020-07-01 $216,000 (25.1%) $243,701 (18.8%) 0.00 237
    2020-08-01 $219,900 (23.8%) $248,814 (19.9%) 0.00 214
    2020-09-01 $216,075 (19.1%) $255,277 (21.9%) 0.00 195
    2020-10-01 $209,900 (15.5%) $255,820 (21.6%) 0.00 185
    2020-11-01 $189,490 (8.6%) $247,460 (20.5%) 0.00 180
    2020-12-01 $185,615 (8.8%) $242,921 (19.0%) 0.00 192
    2021-01-01 $192,990 (13.6%) $249,471 (24.7%) 0.00 175
    2021-02-01 $204,700 (20.5%) $257,796 (28.2%) 0.00 140
    2021-03-01 $209,788 (19.1%) $260,410 (27.8%) 0.00 122
    2021-04-01 $218,700 (23.9%) $271,647 (32.7%) 0.00 120
    2021-05-01 $214,900 (14.8%) $283,245 (27.6%) 0.00 98
    2021-06-01 $179,975 (-10.0%) $290,015 (24.2%) 0.00 102
    2021-07-01 $169,900 (-21.3%) $316,481 (29.9%) 0.00 121
    2021-08-01 $229,950 (4.6%) $332,682 (33.7%) 0.00 150
    2021-09-01 $232,450 (7.6%) $350,872 (37.5%) 0.00 147
    2021-10-01 $237,000 (12.9%) $359,335 (40.5%) 0.00 130
    2021-11-01 $219,173 (15.7%) $344,424 (39.2%) 0.00 134
    2021-12-01 $209,900 (13.1%) $356,050 (46.6%) 0.00 121
    2022-01-01 $165,000 (-14.5%) $329,462 (32.1%) 0.00 107
    2022-02-01 $177,675 (-13.2%) $315,702 (22.5%) 0.00 105
    2022-03-01 $179,950 (-14.2%) $310,394 (19.2%) 0.00 96
    2022-04-01 $209,900 (-4.0%) $291,087 (7.2%) 0.00 99
    2022-05-01 $229,750 (6.9%) $297,196 (4.9%) 0.00 104
    2022-06-01 $254,900 (41.6%) $320,345 (10.5%) 0.00 133
    2022-07-01 $250,000 (47.2%) $328,546 (3.8%) 0.00 141
    2022-08-01 $263,157 (14.4%) $317,758 (-4.5%) 0.00 170
    2022-09-01 $289,572 (24.6%) $326,700 (-6.9%) 0.00 172
    2022-10-01 $294,990 (24.5%) $329,196 (-8.4%) 0.00 187
    2022-11-01 $294,043 (34.2%) $323,960 (-5.9%) 0.00 202
    2022-12-01 $280,000 (33.4%) $311,473 (-12.5%) 0.00 210
    2023-01-01 $284,945 (72.7%) $307,652 (-6.6%) 0.00 200
    2023-02-01 $289,968 (63.2%) $314,259 (-0.5%) 0.00 207
    2023-03-01 $278,770 (54.9%) $310,029 (-0.1%) 0.00 194
    2023-04-01 $278,625 (32.7%) $303,569 (4.3%) 0.00 194
    2023-05-01 $285,215 (24.1%) $309,013 (4.0%) 0.00 185
    2023-06-01 $289,314 (13.5%) $316,130 (-1.3%) 0.00 194
    2023-07-01 $285,624 (14.3%) $303,101 (-7.7%) 0.00 184
    2023-08-01 $287,195 (9.1%) $311,056 (-2.1%) 0.00 210
    2023-09-01 $299,000 (3.3%) $321,248 (-1.7%) 0.00 261
    2023-10-01 $297,691 (0.9%) $322,262 (-2.1%) 0.00 284
    2023-11-01 $280,695 (-4.5%) $314,755 (-2.8%) 0.00 304
    2023-12-01 $279,900 (0.0%) $312,810 (0.4%) 0.00 289
    2024-01-01 $271,124 (-4.9%) $308,145 (0.2%) 0.00 278
    2024-02-01 $268,250 (-7.5%) $297,598 (-5.3%) 0.00 282
    2024-03-01 $259,450 (-6.9%) $284,988 (-8.1%) 0.00 274
    2024-04-01 $251,350 (-9.8%) $291,328 (-4.0%) 0.00 261
    2024-05-01 $252,380 (-11.5%) $303,513 (-1.8%) 0.00 272
    2024-06-01 $266,802 (-7.8%) $306,516 (-3.0%) 0.00 272
    2024-07-01 $272,068 (-4.8%) $310,279 (2.4%) 0.00 295
    2024-08-01 $277,900 (-3.2%) $310,495 (-0.2%) 0.00 331
    2024-09-01 $289,400 (-3.2%) $321,933 (0.2%) 0.00 355
    2024-10-01 $288,950 (-2.9%) $326,299 (1.3%) 0.00 373
    2024-11-01 $287,695 (2.5%) $324,600 (3.1%) 0.00 363
    2024-12-01 $282,126 (0.8%) $313,187 (0.1%) 0.00 341
    2025-01-01 $288,200 (6.3%) $317,566 (3.1%) 0.00 330
    Lagrange's median listing price for 2025-01-01 was $288,200, a difference of $17,076 (6.3%) versus the prior year and $6,074 versus the prior month.

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

    Lagrange's average listing price for 2025-01-01 was $317,566, a difference of $9,421 (3.1%) versus the prior year and $4,379 versus the prior month.

    For the 2025-01-01 period, Lagrange had 330 MLS listings, a difference of -11 listings (-3%) versus the prior month and 52 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Lagrange (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,936 sqft
    2018-02-01 0 days 1,974 sqft
    2018-03-01 0 days 2,049 sqft
    2018-04-01 0 days 2,091 sqft
    2018-05-01 0 days 2,087 sqft
    2018-06-01 0 days 2,088 sqft
    2018-07-01 0 days 2,077 sqft
    2018-08-01 0 days 2,008 sqft
    2018-09-01 0 days 2,035 sqft
    2018-10-01 0 days 2,057 sqft
    2018-11-01 0 days 2,076 sqft
    2018-12-01 0 days 2,075 sqft
    2019-01-01 0 days 2,113 sqft
    2019-02-01 0 days 2,142 sqft
    2019-03-01 0 days 2,188 sqft
    2019-04-01 0 days 2,188 sqft
    2019-05-01 0 days 2,156 sqft
    2019-06-01 0 days 2,185 sqft
    2019-07-01 0 days 2,129 sqft
    2019-08-01 0 days 2,159 sqft
    2019-09-01 0 days 2,124 sqft
    2019-10-01 0 days 2,092 sqft
    2019-11-01 0 days 2,040 sqft
    2019-12-01 0 days 2,022 sqft
    2020-01-01 0 days 1,997 sqft
    2020-02-01 0 days 1,945 sqft
    2020-03-01 0 days 2,029 sqft
    2020-04-01 0 days 2,030 sqft
    2020-05-01 0 days 2,055 sqft
    2020-06-01 0 days 2,124 sqft
    2020-07-01 0 days 2,187 sqft
    2020-08-01 0 days 2,191 sqft
    2020-09-01 0 days 2,149 sqft
    2020-10-01 0 days 2,113 sqft
    2020-11-01 0 days 2,026 sqft
    2020-12-01 0 days 1,986 sqft
    2021-01-01 0 days 2,021 sqft
    2021-02-01 0 days 2,083 sqft
    2021-03-01 0 days 2,081 sqft
    2021-04-01 0 days 2,068 sqft
    2021-05-01 0 days 2,077 sqft
    2021-06-01 0 days 1,843 sqft
    2021-07-01 0 days 1,714 sqft
    2021-08-01 0 days 2,056 sqft
    2021-09-01 0 days 2,053 sqft
    2021-10-01 0 days 1,959 sqft
    2021-11-01 0 days 1,803 sqft
    2021-12-01 0 days 1,780 sqft
    2022-01-01 0 days 1,774 sqft
    2022-02-01 0 days 1,706 sqft
    2022-03-01 0 days 1,793 sqft
    2022-04-01 0 days 1,786 sqft
    2022-05-01 0 days 1,871 sqft
    2022-06-01 0 days 1,830 sqft
    2022-07-01 0 days 1,934 sqft
    2022-08-01 0 days 1,953 sqft
    2022-09-01 0 days 1,985 sqft
    2022-10-01 0 days 2,058 sqft
    2022-11-01 0 days 2,114 sqft
    2022-12-01 0 days 2,087 sqft
    2023-01-01 0 days 2,044 sqft
    2023-02-01 0 days 2,058 sqft
    2023-03-01 0 days 1,931 sqft
    2023-04-01 0 days 1,936 sqft
    2023-05-01 0 days 1,970 sqft
    2023-06-01 0 days 1,946 sqft
    2023-07-01 0 days 1,824 sqft
    2023-08-01 0 days 1,896 sqft
    2023-09-01 0 days 2,007 sqft
    2023-10-01 0 days 1,970 sqft
    2023-11-01 0 days 1,968 sqft
    2023-12-01 0 days 1,918 sqft
    2024-01-01 0 days 1,822 sqft
    2024-02-01 0 days 1,759 sqft
    2024-03-01 0 days 1,705 sqft
    2024-04-01 0 days 1,690 sqft
    2024-05-01 0 days 1,736 sqft
    2024-06-01 0 days 1,776 sqft
    2024-07-01 0 days 1,742 sqft
    2024-08-01 0 days 1,770 sqft
    2024-09-01 0 days 1,882 sqft
    2024-10-01 0 days 1,890 sqft
    2024-11-01 0 days 1,881 sqft
    2024-12-01 0 days 1,800 sqft
    2025-01-01 0 days 1,883 sqft
    Lagrange's median listing age (time on market) for 2025-01-01 was 0 days.

    Lagrange's median square footage for active listings during the 2025-01-01 period was 1,883 sqft. One year prior, the average listing was 1,822 sqft.