Lawrenceburg USDA Loan Rates, Closing Costs & Stats

Lawrenceburg, TN

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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.

    Lawrenceburg's 14 lenders originated 26 USDA loans during 2024. The total origination value was $5,740,000, with an average USDA loan value of $220,769.

    Lawrenceburg USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Lawrenceburg averaged -0.1% for the week of 2025-07-04, compared to the national average (all USDA variants) of 0% for the same period.

    Lawrenceburg's average USDA mortgage closing costs are $5,246.

    The average rate for the prior week (2025-06-27) was 6.53% and one month ago for the week of 2025-05-30, the average rate was 6.42%.

    The average rate one year ago was 6.81%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.01%.

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

    Lawrenceburg 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 Lawrenceburg level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.50% $9,144
    FIRST COMMUNITY MORTGAGE, INC. 2 6.56% $5,478
    KELLEY MORTGAGE, LLC 2 6.13% $2,125
    Paramount Residential Mortgage Group, Inc. 1 6.13% $5,670
    Renasant Bank 1 5.50% $6,421
    Sandy Spring Bank 1 6.63% $6,681
    SeaTrust Mortgage Company 1 6.50% $6,631
    STOCKTON MORTGAGE CORPORATION 1 6.25% $8,183
    TENNESSEE TRUST MORTGAGE, INC 1 6.25% $5,879
    United Community Bank 1 6.50% $5,909
    CROSSCOUNTRY MORTGAGE, LLC 1 5.88% $7,308
    UNITED WHOLESALE MORTGAGE, LLC 1 6.17% $6,988
    DELMAR FINANCIAL COMPANY 1 5.88% $8,951
    MORTGAGE INVESTORS GROUP, INC. 1 6.62% $5,972

    The top Lawrenceburg USDA lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 9 USDA loans originated. Their average total fees are $9,144, which is $3,667 higher than the next largest lender, FIRST COMMUNITY MORTGAGE, INC..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Lawrenceburg (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 $169,900 (21.4%) $221,637 (10.2%) 0.00 108
    2018-02-01 $165,475 (15.2%) $213,378 (7.0%) 0.00 116
    2018-03-01 $168,500 (16.3%) $219,198 (10.0%) 0.00 114
    2018-04-01 $174,900 (17.4%) $238,578 (18.0%) 0.00 107
    2018-05-01 $177,675 (10.0%) $238,035 (11.5%) 0.00 113
    2018-06-01 $179,900 (20.0%) $239,190 (13.6%) 0.00 113
    2018-07-01 $184,900 (15.6%) $236,504 (18.1%) 0.00 117
    2018-08-01 $170,425 (-1.1%) $222,943 (4.7%) 0.00 123
    2018-09-01 $186,000 (3.6%) $229,494 (9.1%) 0.00 127
    2018-10-01 $172,825 (-3.9%) $242,658 (5.0%) 0.00 139
    2018-11-01 $167,875 (-6.7%) $245,114 (6.7%) 0.00 139
    2018-12-01 $184,900 (5.7%) $254,582 (12.8%) 0.00 128
    2019-01-01 $195,700 (15.2%) $259,477 (17.1%) 0.00 109
    2019-02-01 $185,975 (12.4%) $255,726 (19.9%) 0.00 103
    2019-03-01 $188,243 (11.7%) $260,135 (18.7%) 0.00 103
    2019-04-01 $193,450 (10.6%) $254,924 (6.9%) 0.00 104
    2019-05-01 $233,750 (31.6%) $294,801 (23.9%) 0.00 100
    2019-06-01 $235,000 (30.6%) $294,066 (22.9%) 0.00 114
    2019-07-01 $231,225 (25.1%) $284,766 (20.4%) 0.00 123
    2019-08-01 $230,809 (35.4%) $286,150 (28.4%) 0.00 126
    2019-09-01 $224,673 (20.8%) $282,385 (23.1%) 0.00 131
    2019-10-01 $219,450 (27.0%) $278,865 (14.9%) 0.00 139
    2019-11-01 $215,000 (28.1%) $266,098 (8.6%) 0.00 143
    2019-12-01 $219,600 (18.8%) $268,491 (5.5%) 0.00 135
    2020-01-01 $219,450 (12.1%) $269,915 (4.0%) 0.00 125
    2020-02-01 $222,450 (19.6%) $277,073 (8.4%) 0.00 119
    2020-03-01 $234,925 (24.8%) $284,975 (9.6%) 0.00 113
    2020-04-01 $225,161 (16.4%) $279,046 (9.5%) 0.00 106
    2020-05-01 $216,000 (-7.6%) $289,979 (-1.6%) 0.00 104
    2020-06-01 $222,175 (-5.5%) $304,627 (3.6%) 0.00 93
    2020-07-01 $232,350 (0.5%) $302,352 (6.2%) 0.00 90
    2020-08-01 $235,000 (1.8%) $328,189 (14.7%) 0.00 71
    2020-09-01 $237,450 (5.7%) $315,472 (11.7%) 0.00 69
    2020-10-01 $230,950 (5.2%) $316,379 (13.5%) 0.00 71
    2020-11-01 $236,000 (9.8%) $318,444 (19.7%) 0.00 77
    2020-12-01 $230,850 (5.1%) $312,985 (16.6%) 0.00 72
    2021-01-01 $239,900 (9.3%) $331,577 (22.8%) 0.00 65
    2021-02-01 $244,900 (10.1%) $340,176 (22.8%) 0.00 51
    2021-03-01 $249,225 (6.1%) $356,459 (25.1%) 0.00 47
    2021-04-01 $254,500 (13.0%) $365,316 (30.9%) 0.00 48
    2021-05-01 $294,000 (36.1%) $400,070 (38.0%) 0.00 43
    2021-06-01 $263,700 (18.7%) $389,944 (28.0%) 0.00 47
    2021-07-01 $299,000 (28.7%) $389,214 (28.7%) 0.00 70
    2021-08-01 $294,675 (25.4%) $390,947 (19.1%) 0.00 89
    2021-09-01 $270,850 (14.1%) $332,644 (5.4%) 0.00 94
    2021-10-01 $269,000 (16.5%) $331,738 (4.9%) 0.00 98
    2021-11-01 $279,475 (18.4%) $356,375 (11.9%) 0.00 95
    2021-12-01 $280,000 (21.3%) $368,874 (17.9%) 0.00 89
    2022-01-01 $274,900 (14.6%) $341,931 (3.1%) 0.00 75
    2022-02-01 $279,900 (14.3%) $347,708 (2.2%) 0.00 52
    2022-03-01 $327,000 (31.2%) $476,903 (33.8%) 0.00 54
    2022-04-01 $307,000 (20.6%) $479,753 (31.3%) 0.00 70
    2022-05-01 $339,950 (15.6%) $467,348 (16.8%) 0.00 83
    2022-06-01 $345,975 (31.2%) $460,902 (18.2%) 0.00 95
    2022-07-01 $342,450 (14.5%) $428,391 (10.1%) 0.00 112
    2022-08-01 $324,450 (10.1%) $435,295 (11.3%) 0.00 115
    2022-09-01 $320,950 (18.5%) $412,567 (24.0%) 0.00 126
    2022-10-01 $327,450 (21.7%) $402,908 (21.5%) 0.00 139
    2022-11-01 $345,817 (23.7%) $415,511 (16.6%) 0.00 144
    2022-12-01 $335,000 (19.6%) $410,606 (11.3%) 0.00 141
    2023-01-01 $331,225 (20.5%) $401,024 (17.3%) 0.00 137
    2023-02-01 $335,725 (19.9%) $407,959 (17.3%) 0.00 121
    2023-03-01 $349,475 (6.9%) $413,850 (-13.2%) 0.00 103
    2023-04-01 $340,000 (10.8%) $411,515 (-14.2%) 0.00 91
    2023-05-01 $337,500 (-0.7%) $431,574 (-7.7%) 0.00 84
    2023-06-01 $349,975 (1.2%) $438,975 (-4.8%) 0.00 84
    2023-07-01 $339,900 (-0.7%) $439,519 (2.6%) 0.00 102
    2023-08-01 $372,375 (14.8%) $458,816 (5.4%) 0.00 121
    2023-09-01 $361,000 (12.5%) $439,932 (6.6%) 0.00 116
    2023-10-01 $350,000 (6.9%) $413,118 (2.5%) 0.00 118
    2023-11-01 $348,000 (0.6%) $399,001 (-4.0%) 0.00 128
    2023-12-01 $349,450 (4.3%) $409,646 (-0.2%) 0.00 127
    2024-01-01 $347,000 (4.8%) $401,462 (0.1%) 0.00 125
    2024-02-01 $359,000 (6.9%) $397,012 (-2.7%) 0.00 120
    2024-03-01 $359,999 (3.0%) $397,008 (-4.1%) 0.00 128
    2024-04-01 $354,450 (4.3%) $388,408 (-5.6%) 0.00 131
    2024-05-01 $348,500 (3.3%) $392,861 (-9.0%) 0.00 145
    2024-06-01 $343,950 (-1.7%) $377,641 (-14.0%) 0.00 154
    2024-07-01 $339,900 (0.0%) $390,292 (-11.2%) 0.00 164
    2024-08-01 $339,000 (-9.0%) $385,589 (-16.0%) 0.00 176
    2024-09-01 $339,675 (-5.9%) $387,199 (-12.0%) 0.00 182
    2024-10-01 $339,900 (-2.9%) $386,244 (-6.5%) 0.00 175
    2024-11-01 $339,900 (-2.3%) $393,958 (-1.3%) 0.00 177
    2024-12-01 $339,000 (-3.0%) $392,607 (-4.2%) 0.00 167
    2025-01-01 $340,725 (-1.8%) $389,800 (-2.9%) 0.00 155
    2025-02-01 $333,475 (-7.1%) $377,935 (-4.8%) 0.00 164
    2025-03-01 $329,900 (-8.4%) $383,456 (-3.4%) 0.00 182
    2025-04-01 $339,450 (-4.2%) $397,778 (2.4%) 0.00 195
    2025-05-01 $339,000 (-2.7%) $389,590 (-0.8%) 0.00 206
    Lawrenceburg's median listing price for 2025-05-01 was $339,000, a difference of $-9,500 (-2.7%) versus the prior year and $-450 versus the prior month.

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

    Lawrenceburg's average listing price for 2025-05-01 was $389,590, a difference of $-3,271 (-0.8%) versus the prior year and $-8,188 versus the prior month.

    For the 2025-05-01 period, Lawrenceburg had 206 MLS listings, a difference of 11 listings (6%) versus the prior month and 61 listings (42%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Lawrenceburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,904 sqft
    2018-02-01 0 days 1,817 sqft
    2018-03-01 0 days 1,828 sqft
    2018-04-01 0 days 1,841 sqft
    2018-05-01 0 days 1,837 sqft
    2018-06-01 0 days 1,849 sqft
    2018-07-01 0 days 1,872 sqft
    2018-08-01 0 days 1,795 sqft
    2018-09-01 0 days 1,812 sqft
    2018-10-01 0 days 1,792 sqft
    2018-11-01 0 days 1,795 sqft
    2018-12-01 0 days 1,824 sqft
    2019-01-01 0 days 1,873 sqft
    2019-02-01 0 days 1,835 sqft
    2019-03-01 0 days 1,902 sqft
    2019-04-01 0 days 1,917 sqft
    2019-05-01 0 days 2,044 sqft
    2019-06-01 0 days 2,139 sqft
    2019-07-01 0 days 1,944 sqft
    2019-08-01 0 days 1,943 sqft
    2019-09-01 0 days 1,941 sqft
    2019-10-01 0 days 1,935 sqft
    2019-11-01 0 days 1,848 sqft
    2019-12-01 0 days 1,859 sqft
    2020-01-01 0 days 1,887 sqft
    2020-02-01 0 days 1,913 sqft
    2020-03-01 0 days 1,938 sqft
    2020-04-01 0 days 1,872 sqft
    2020-05-01 0 days 1,823 sqft
    2020-06-01 0 days 1,768 sqft
    2020-07-01 0 days 1,737 sqft
    2020-08-01 0 days 1,739 sqft
    2020-09-01 0 days 1,800 sqft
    2020-10-01 0 days 1,731 sqft
    2020-11-01 0 days 1,659 sqft
    2020-12-01 0 days 1,629 sqft
    2021-01-01 0 days 1,750 sqft
    2021-02-01 0 days 1,691 sqft
    2021-03-01 0 days 1,796 sqft
    2021-04-01 0 days 1,749 sqft
    2021-05-01 0 days 1,942 sqft
    2021-06-01 0 days 1,822 sqft
    2021-07-01 0 days 1,880 sqft
    2021-08-01 0 days 1,867 sqft
    2021-09-01 0 days 1,760 sqft
    2021-10-01 0 days 1,776 sqft
    2021-11-01 0 days 1,932 sqft
    2021-12-01 0 days 1,921 sqft
    2022-01-01 0 days 1,861 sqft
    2022-02-01 0 days 1,888 sqft
    2022-03-01 0 days 1,965 sqft
    2022-04-01 0 days 1,904 sqft
    2022-05-01 0 days 1,961 sqft
    2022-06-01 0 days 1,933 sqft
    2022-07-01 0 days 1,784 sqft
    2022-08-01 0 days 1,817 sqft
    2022-09-01 0 days 1,800 sqft
    2022-10-01 0 days 1,838 sqft
    2022-11-01 0 days 1,897 sqft
    2022-12-01 0 days 1,891 sqft
    2023-01-01 0 days 1,859 sqft
    2023-02-01 0 days 1,845 sqft
    2023-03-01 0 days 1,862 sqft
    2023-04-01 0 days 1,734 sqft
    2023-05-01 0 days 1,833 sqft
    2023-06-01 0 days 1,772 sqft
    2023-07-01 0 days 1,697 sqft
    2023-08-01 0 days 1,716 sqft
    2023-09-01 0 days 1,633 sqft
    2023-10-01 0 days 1,723 sqft
    2023-11-01 0 days 1,725 sqft
    2023-12-01 0 days 1,718 sqft
    2024-01-01 0 days 1,668 sqft
    2024-02-01 0 days 1,697 sqft
    2024-03-01 0 days 1,672 sqft
    2024-04-01 0 days 1,714 sqft
    2024-05-01 0 days 1,708 sqft
    2024-06-01 0 days 1,721 sqft
    2024-07-01 0 days 1,727 sqft
    2024-08-01 0 days 1,701 sqft
    2024-09-01 0 days 1,702 sqft
    2024-10-01 0 days 1,697 sqft
    2024-11-01 0 days 1,728 sqft
    2024-12-01 0 days 1,728 sqft
    2025-01-01 0 days 1,733 sqft
    2025-02-01 0 days 1,702 sqft
    2025-03-01 0 days 1,649 sqft
    2025-04-01 0 days 1,700 sqft
    2025-05-01 0 days 1,700 sqft
    Lawrenceburg's median listing age (time on market) for 2025-05-01 was 0 days.

    Lawrenceburg's median square footage for active listings during the 2025-05-01 period was 1,700 sqft. One year prior, the average listing was 1,708 sqft.