Laurinburg USDA Loan Rates, Closing Costs & Stats
Laurinburg, NC
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.
Laurinburg's 6 lenders originated 7 USDA loans during 2024. The total origination value was $1,245,000, with an average USDA loan value of $177,857.
Laurinburg USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Laurinburg
averaged
6.41%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Laurinburg's average USDA mortgage closing costs are $5,060.
The average rate for the prior week (2025-05-16) was
6.64% and
one month ago for the week of 2025-04-18, the
average rate was 6.53%.
The average rate one year ago was 6.7%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.23%.
Laurinburg 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 Laurinburg level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| UNION HOME MORTGAGE CORP. | 2 | 6.63% | $7,708 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 5.69% | $9,624 |
| First Bank | 1 | 5.13% | $5,619 |
| GUARANTEED RATE, INC. | 1 | 5.88% | $8,311 |
| MOVEMENT MORTGAGE, LLC | 1 | 7.75% | $5,178 |
| Prosperity Home Mortgage, LLC | 1 | 6.62% | $6,087 |
The top Laurinburg USDA lender as defined by loan originations is UNION HOME MORTGAGE CORP., with
2 USDA loans originated. Their average total fees are
$7,708, which is $1,916
lower than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee Laurinburg USDA lenders (with over 10 loans originated) are
.
The lowest rate Laurinburg USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Laurinburg (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 | $129,925 (16.6%) | $160,767 (16.3%) | 0.00 | 133 |
| 2018-02-01 | $128,575 (15.9%) | $158,434 (15.4%) | 0.00 | 129 |
| 2018-03-01 | $129,900 (14.4%) | $156,404 (13.2%) | 0.00 | 132 |
| 2018-04-01 | $129,900 (10.3%) | $155,699 (8.1%) | 0.00 | 138 |
| 2018-05-01 | $129,900 (6.7%) | $159,912 (5.3%) | 0.00 | 146 |
| 2018-06-01 | $128,450 (8.0%) | $152,874 (2.2%) | 0.00 | 154 |
| 2018-07-01 | $124,975 (-3.8%) | $149,536 (-3.6%) | 0.00 | 152 |
| 2018-08-01 | $121,175 (-7.7%) | $145,176 (-8.9%) | 0.00 | 154 |
| 2018-09-01 | $121,000 (-9.3%) | $145,325 (-9.0%) | 0.00 | 142 |
| 2018-10-01 | $114,975 (-16.5%) | $140,482 (-15.2%) | 0.00 | 127 |
| 2018-11-01 | $113,385 (-12.7%) | $145,790 (-8.0%) | 0.00 | 115 |
| 2018-12-01 | $113,250 (-9.4%) | $148,847 (-3.4%) | 0.00 | 107 |
| 2019-01-01 | $114,700 (-11.7%) | $147,281 (-8.4%) | 0.00 | 97 |
| 2019-02-01 | $117,350 (-8.7%) | $148,135 (-6.5%) | 0.00 | 101 |
| 2019-03-01 | $121,929 (-6.1%) | $151,806 (-2.9%) | 0.00 | 96 |
| 2019-04-01 | $124,529 (-4.1%) | $154,048 (-1.1%) | 0.00 | 97 |
| 2019-05-01 | $121,300 (-6.6%) | $148,475 (-7.2%) | 0.00 | 96 |
| 2019-06-01 | $125,000 (-2.7%) | $159,083 (4.1%) | 0.00 | 87 |
| 2019-07-01 | $134,875 (7.9%) | $172,762 (15.5%) | 0.00 | 80 |
| 2019-08-01 | $134,523 (11.0%) | $168,370 (16.0%) | 0.00 | 85 |
| 2019-09-01 | $133,807 (10.6%) | $169,151 (16.4%) | 0.00 | 92 |
| 2019-10-01 | $133,330 (16.0%) | $169,671 (20.8%) | 0.00 | 98 |
| 2019-11-01 | $130,000 (14.7%) | $161,254 (10.6%) | 0.00 | 90 |
| 2019-12-01 | $128,375 (13.4%) | $148,139 (-0.5%) | 0.00 | 82 |
| 2020-01-01 | $132,000 (15.1%) | $148,755 (1.0%) | 0.00 | 74 |
| 2020-02-01 | $129,900 (10.7%) | $144,333 (-2.6%) | 0.00 | 72 |
| 2020-03-01 | $111,000 (-9.0%) | $139,093 (-8.4%) | 0.00 | 68 |
| 2020-04-01 | $108,000 (-13.3%) | $138,838 (-9.9%) | 0.00 | 70 |
| 2020-05-01 | $111,500 (-8.1%) | $137,785 (-7.2%) | 0.00 | 59 |
| 2020-06-01 | $119,425 (-4.5%) | $150,281 (-5.5%) | 0.00 | 55 |
| 2020-07-01 | $139,925 (3.7%) | $163,824 (-5.2%) | 0.00 | 38 |
| 2020-08-01 | $149,900 (11.4%) | $177,011 (5.1%) | 0.00 | 39 |
| 2020-09-01 | $159,925 (19.5%) | $191,717 (13.3%) | 0.00 | 37 |
| 2020-10-01 | $192,400 (44.3%) | $197,924 (16.7%) | 0.00 | 37 |
| 2020-11-01 | $185,825 (42.9%) | $194,140 (20.4%) | 0.00 | 34 |
| 2020-12-01 | $173,650 (35.3%) | $188,600 (27.3%) | 0.00 | 40 |
| 2021-01-01 | $178,500 (35.2%) | $194,124 (30.5%) | 0.00 | 28 |
| 2021-02-01 | $132,425 (1.9%) | $167,955 (16.4%) | 0.00 | 18 |
| 2021-03-01 | $163,200 (47.0%) | $188,149 (35.3%) | 0.00 | 18 |
| 2021-04-01 | $184,450 (70.8%) | $213,383 (53.7%) | 0.00 | 21 |
| 2021-05-01 | $199,900 (79.3%) | $232,284 (68.6%) | 0.00 | 19 |
| 2021-06-01 | $184,250 (54.3%) | $243,944 (62.3%) | 0.00 | 20 |
| 2021-07-01 | $190,000 (35.8%) | $216,342 (32.1%) | 0.00 | 26 |
| 2021-08-01 | $189,600 (26.5%) | $217,613 (22.9%) | 0.00 | 40 |
| 2021-09-01 | $149,950 (-6.2%) | $197,249 (2.9%) | 0.00 | 38 |
| 2021-10-01 | $180,000 (-6.4%) | $207,793 (5.0%) | 0.00 | 36 |
| 2021-11-01 | $237,450 (27.8%) | $235,379 (21.2%) | 0.00 | 36 |
| 2021-12-01 | $219,975 (26.7%) | $236,609 (25.5%) | 0.00 | 29 |
| 2022-01-01 | $185,950 (4.2%) | $235,445 (21.3%) | 0.00 | 30 |
| 2022-02-01 | $160,100 (20.9%) | $223,093 (32.8%) | 0.00 | 25 |
| 2022-03-01 | $167,225 (2.5%) | $239,130 (27.1%) | 0.00 | 21 |
| 2022-04-01 | $145,700 (-21.0%) | $229,580 (7.6%) | 0.00 | 25 |
| 2022-05-01 | $203,000 (1.6%) | $250,777 (8.0%) | 0.00 | 34 |
| 2022-06-01 | $172,350 (-6.5%) | $249,441 (2.3%) | 0.00 | 35 |
| 2022-07-01 | $199,750 (5.1%) | $234,825 (8.5%) | 0.00 | 47 |
| 2022-08-01 | $198,950 (4.9%) | $230,517 (5.9%) | 0.00 | 42 |
| 2022-09-01 | $202,425 (35.0%) | $228,272 (15.7%) | 0.00 | 46 |
| 2022-10-01 | $194,950 (8.3%) | $227,438 (9.5%) | 0.00 | 44 |
| 2022-11-01 | $208,625 (-12.1%) | $225,115 (-4.4%) | 0.00 | 45 |
| 2022-12-01 | $229,900 (4.5%) | $262,165 (10.8%) | 0.00 | 43 |
| 2023-01-01 | $229,900 (23.6%) | $254,752 (8.2%) | 0.00 | 40 |
| 2023-02-01 | $221,125 (38.1%) | $252,818 (13.3%) | 0.00 | 38 |
| 2023-03-01 | $204,475 (22.3%) | $249,700 (4.4%) | 0.00 | 37 |
| 2023-04-01 | $209,450 (43.8%) | $266,576 (16.1%) | 0.00 | 30 |
| 2023-05-01 | $203,750 (0.4%) | $250,279 (-0.2%) | 0.00 | 30 |
| 2023-06-01 | $208,750 (21.1%) | $244,620 (-1.9%) | 0.00 | 32 |
| 2023-07-01 | $195,000 (-2.4%) | $227,329 (-3.2%) | 0.00 | 27 |
| 2023-08-01 | $202,475 (1.8%) | $239,865 (4.1%) | 0.00 | 31 |
| 2023-09-01 | $172,900 (-14.6%) | $221,670 (-2.9%) | 0.00 | 36 |
| 2023-10-01 | $189,950 (-2.6%) | $249,984 (9.9%) | 0.00 | 34 |
| 2023-11-01 | $188,725 (-9.5%) | $255,812 (13.6%) | 0.00 | 39 |
| 2023-12-01 | $179,000 (-22.1%) | $267,229 (1.9%) | 0.00 | 37 |
| 2024-01-01 | $177,925 (-22.6%) | $258,806 (1.6%) | 0.00 | 36 |
| 2024-02-01 | $201,425 (-8.9%) | $273,551 (8.2%) | 0.00 | 37 |
| 2024-03-01 | $214,950 (5.1%) | $284,790 (14.1%) | 0.00 | 35 |
| 2024-04-01 | $218,650 (4.4%) | $281,074 (5.4%) | 0.00 | 35 |
| 2024-05-01 | $200,673 (-1.5%) | $269,478 (7.7%) | 0.00 | 47 |
| 2024-06-01 | $199,950 (-4.2%) | $268,507 (9.8%) | 0.00 | 55 |
| 2024-07-01 | $209,995 (7.7%) | $275,958 (21.4%) | 0.00 | 55 |
| 2024-08-01 | $215,000 (6.2%) | $268,356 (11.9%) | 0.00 | 60 |
| 2024-09-01 | $211,250 (22.2%) | $260,683 (17.6%) | 0.00 | 62 |
| 2024-10-01 | $229,250 (20.7%) | $250,988 (0.4%) | 0.00 | 66 |
| 2024-11-01 | $232,000 (22.9%) | $246,931 (-3.5%) | 0.00 | 74 |
| 2024-12-01 | $222,500 (24.3%) | $240,755 (-9.9%) | 0.00 | 75 |
| 2025-01-01 | $222,450 (25.0%) | $242,455 (-6.3%) | 0.00 | 79 |
| 2025-02-01 | $218,675 (8.6%) | $247,253 (-9.6%) | 0.00 | 82 |
| 2025-03-01 | $203,995 (-5.1%) | $241,464 (-15.2%) | 0.00 | 74 |
| 2025-04-01 | $201,470 (-7.9%) | $238,599 (-15.1%) | 0.00 | 77 |
Laurinburg's median listing price comes in at 0% of the national average.
Laurinburg's average listing price for 2025-04-01 was $238,599, a difference of $-42,475 (-15.1%) versus the prior year and $-2,865 versus the prior month.
For the 2025-04-01 period, Laurinburg had 77 MLS listings, a difference of 3 listings (4%) versus the prior month and 42 listings (120%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Laurinburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,100 sqft |
| 2018-02-01 | 0 days | 2,031 sqft |
| 2018-03-01 | 0 days | 2,011 sqft |
| 2018-04-01 | 0 days | 2,013 sqft |
| 2018-05-01 | 0 days | 2,092 sqft |
| 2018-06-01 | 0 days | 1,956 sqft |
| 2018-07-01 | 0 days | 1,888 sqft |
| 2018-08-01 | 0 days | 1,961 sqft |
| 2018-09-01 | 0 days | 1,974 sqft |
| 2018-10-01 | 0 days | 1,883 sqft |
| 2018-11-01 | 0 days | 1,870 sqft |
| 2018-12-01 | 0 days | 1,930 sqft |
| 2019-01-01 | 0 days | 1,870 sqft |
| 2019-02-01 | 0 days | 1,876 sqft |
| 2019-03-01 | 0 days | 1,922 sqft |
| 2019-04-01 | 0 days | 1,946 sqft |
| 2019-05-01 | 0 days | 1,946 sqft |
| 2019-06-01 | 0 days | 1,950 sqft |
| 2019-07-01 | 0 days | 1,975 sqft |
| 2019-08-01 | 0 days | 1,940 sqft |
| 2019-09-01 | 0 days | 1,924 sqft |
| 2019-10-01 | 0 days | 1,914 sqft |
| 2019-11-01 | 0 days | 1,913 sqft |
| 2019-12-01 | 0 days | 1,859 sqft |
| 2020-01-01 | 0 days | 1,854 sqft |
| 2020-02-01 | 0 days | 1,842 sqft |
| 2020-03-01 | 0 days | 1,813 sqft |
| 2020-04-01 | 0 days | 1,738 sqft |
| 2020-05-01 | 0 days | 1,670 sqft |
| 2020-06-01 | 0 days | 1,691 sqft |
| 2020-07-01 | 0 days | 1,876 sqft |
| 2020-08-01 | 0 days | 1,851 sqft |
| 2020-09-01 | 0 days | 2,037 sqft |
| 2020-10-01 | 0 days | 2,076 sqft |
| 2020-11-01 | 0 days | 2,100 sqft |
| 2020-12-01 | 0 days | 2,114 sqft |
| 2021-01-01 | 0 days | 2,237 sqft |
| 2021-02-01 | 0 days | 2,224 sqft |
| 2021-03-01 | 0 days | 2,116 sqft |
| 2021-04-01 | 0 days | 2,435 sqft |
| 2021-05-01 | 0 days | 2,336 sqft |
| 2021-06-01 | 0 days | 2,174 sqft |
| 2021-07-01 | 0 days | 2,137 sqft |
| 2021-08-01 | 0 days | 1,995 sqft |
| 2021-09-01 | 0 days | 1,925 sqft |
| 2021-10-01 | 0 days | 2,100 sqft |
| 2021-11-01 | 0 days | 2,100 sqft |
| 2021-12-01 | 0 days | 1,918 sqft |
| 2022-01-01 | 0 days | 2,027 sqft |
| 2022-02-01 | 0 days | 2,003 sqft |
| 2022-03-01 | 0 days | 1,920 sqft |
| 2022-04-01 | 0 days | 2,005 sqft |
| 2022-05-01 | 0 days | 2,113 sqft |
| 2022-06-01 | 0 days | 1,959 sqft |
| 2022-07-01 | 0 days | 1,950 sqft |
| 2022-08-01 | 0 days | 1,943 sqft |
| 2022-09-01 | 0 days | 1,950 sqft |
| 2022-10-01 | 0 days | 1,950 sqft |
| 2022-11-01 | 0 days | 1,950 sqft |
| 2022-12-01 | 0 days | 2,088 sqft |
| 2023-01-01 | 0 days | 2,060 sqft |
| 2023-02-01 | 0 days | 2,055 sqft |
| 2023-03-01 | 0 days | 2,029 sqft |
| 2023-04-01 | 0 days | 2,039 sqft |
| 2023-05-01 | 0 days | 2,044 sqft |
| 2023-06-01 | 0 days | 2,054 sqft |
| 2023-07-01 | 0 days | 1,988 sqft |
| 2023-08-01 | 0 days | 1,886 sqft |
| 2023-09-01 | 0 days | 1,813 sqft |
| 2023-10-01 | 0 days | 1,983 sqft |
| 2023-11-01 | 0 days | 1,820 sqft |
| 2023-12-01 | 0 days | 1,828 sqft |
| 2024-01-01 | 0 days | 1,845 sqft |
| 2024-02-01 | 0 days | 1,963 sqft |
| 2024-03-01 | 0 days | 1,993 sqft |
| 2024-04-01 | 0 days | 1,861 sqft |
| 2024-05-01 | 0 days | 1,762 sqft |
| 2024-06-01 | 0 days | 1,604 sqft |
| 2024-07-01 | 0 days | 1,653 sqft |
| 2024-08-01 | 0 days | 1,608 sqft |
| 2024-09-01 | 0 days | 1,701 sqft |
| 2024-10-01 | 0 days | 1,805 sqft |
| 2024-11-01 | 0 days | 1,776 sqft |
| 2024-12-01 | 0 days | 1,722 sqft |
| 2025-01-01 | 0 days | 1,720 sqft |
| 2025-02-01 | 0 days | 1,813 sqft |
| 2025-03-01 | 0 days | 1,715 sqft |
| 2025-04-01 | 0 days | 1,682 sqft |
Laurinburg's median square footage for active listings during the 2025-04-01 period was 1,682 sqft. One year prior, the average listing was 1,861 sqft.