Lewistown USDA Loan Rates, Closing Costs & Stats

Lewistown, PA

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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.

    Lewistown's 5 lenders originated 10 USDA loans during 2023. The total origination value was $1,160,000, with an average USDA loan value of $116,000.

    Lewistown USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Lewistown averaged 6.36% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Lewistown's average USDA mortgage closing costs are $4,832.

    The average rate for the prior week (2025-02-07) was 6.21% and one month ago for the week of 2025-01-10, the average rate was 6.26%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.73%.

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

    Lewistown 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 Lewistown level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Equity Prime Mortgage LLC 4 7.13% $4,621
    UNITED WHOLESALE MORTGAGE, LLC 2 6.31% $5,028
    First National Bank of Pennsylvania 1 5.38% $3,955
    Kish Bank 1 6.50% $4,411
    Plains Commerce Bank 1 6.25% $4,037

    The top Lewistown USDA lender as defined by loan originations is Equity Prime Mortgage LLC, with 4 USDA loans originated. Their average total fees are $4,621, which is $406 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Lewistown (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 $107,000 (-1.7%) $133,166 (-4.9%) 0.00 145
    2018-02-01 $107,225 (1.9%) $131,053 (-4.3%) 0.00 159
    2018-03-01 $119,000 (9.7%) $131,184 (-2.5%) 0.00 154
    2018-04-01 $118,000 (5.1%) $131,937 (-5.5%) 0.00 142
    2018-05-01 $121,250 (5.5%) $134,151 (-5.3%) 0.00 131
    2018-06-01 $109,950 (-5.2%) $130,808 (-8.2%) 0.00 132
    2018-07-01 $129,925 (13.0%) $139,124 (-1.3%) 0.00 126
    2018-08-01 $126,850 (5.8%) $139,314 (-0.8%) 0.00 130
    2018-09-01 $119,900 (-1.6%) $130,682 (-6.3%) 0.00 132
    2018-10-01 $123,750 (3.6%) $137,559 (-0.5%) 0.00 130
    2018-11-01 $120,375 (6.1%) $134,617 (0.5%) 0.00 135
    2018-12-01 $109,900 (-5.9%) $125,933 (-7.0%) 0.00 129
    2019-01-01 $103,225 (-3.5%) $119,433 (-10.3%) 0.00 141
    2019-02-01 $104,500 (-2.5%) $121,929 (-7.0%) 0.00 132
    2019-03-01 $105,714 (-11.2%) $127,939 (-2.5%) 0.00 127
    2019-04-01 $104,964 (-11.1%) $134,207 (1.7%) 0.00 111
    2019-05-01 $127,400 (5.1%) $144,647 (7.8%) 0.00 102
    2019-06-01 $120,000 (9.1%) $144,182 (10.2%) 0.00 98
    2019-07-01 $121,725 (-6.3%) $138,674 (-0.3%) 0.00 109
    2019-08-01 $115,391 (-9.0%) $134,990 (-3.1%) 0.00 107
    2019-09-01 $117,927 (-1.7%) $139,072 (6.4%) 0.00 102
    2019-10-01 $119,618 (-3.3%) $141,299 (2.7%) 0.00 97
    2019-11-01 $90,500 (-24.8%) $126,770 (-5.8%) 0.00 92
    2019-12-01 $97,925 (-10.9%) $126,878 (0.8%) 0.00 87
    2020-01-01 $98,075 (-5.0%) $127,575 (6.8%) 0.00 72
    2020-02-01 $92,500 (-11.5%) $137,463 (12.7%) 0.00 64
    2020-03-01 $112,225 (6.2%) $137,512 (7.5%) 0.00 68
    2020-04-01 $113,125 (7.8%) $147,567 (10.0%) 0.00 67
    2020-05-01 $110,000 (-13.7%) $152,226 (5.2%) 0.00 62
    2020-06-01 $110,000 (-8.3%) $143,002 (-0.8%) 0.00 68
    2020-07-01 $124,900 (2.6%) $143,580 (3.5%) 0.00 62
    2020-08-01 $122,450 (6.1%) $156,350 (15.8%) 0.00 53
    2020-09-01 $125,350 (6.3%) $171,624 (23.4%) 0.00 51
    2020-10-01 $120,000 (0.3%) $156,427 (10.7%) 0.00 49
    2020-11-01 $123,118 (36.0%) $156,529 (23.5%) 0.00 43
    2020-12-01 $123,118 (25.7%) $150,270 (18.4%) 0.00 35
    2021-01-01 $139,900 (42.7%) $168,932 (32.4%) 0.00 34
    2021-02-01 $138,700 (50.0%) $168,183 (22.4%) 0.00 34
    2021-03-01 $143,725 (28.1%) $168,562 (22.6%) 0.00 28
    2021-04-01 $135,000 (19.3%) $156,170 (5.8%) 0.00 25
    2021-05-01 $125,618 (14.2%) $156,689 (2.9%) 0.00 26
    2021-06-01 $125,618 (14.2%) $174,857 (22.3%) 0.00 27
    2021-07-01 $125,000 (0.1%) $180,099 (25.4%) 0.00 38
    2021-08-01 $132,809 (8.5%) $183,012 (17.1%) 0.00 47
    2021-09-01 $135,000 (7.7%) $183,369 (6.8%) 0.00 47
    2021-10-01 $135,000 (12.5%) $169,105 (8.1%) 0.00 45
    2021-11-01 $134,000 (8.8%) $179,136 (14.4%) 0.00 39
    2021-12-01 $139,700 (13.5%) $178,387 (18.7%) 0.00 37
    2022-01-01 $169,000 (20.8%) $207,071 (22.6%) 0.00 31
    2022-02-01 $170,900 (23.2%) $215,499 (28.1%) 0.00 27
    2022-03-01 $169,200 (17.7%) $214,228 (27.1%) 0.00 29
    2022-04-01 $189,900 (40.7%) $213,998 (37.0%) 0.00 44
    2022-05-01 $185,720 (47.9%) $214,911 (37.2%) 0.00 42
    2022-06-01 $178,925 (42.4%) $200,052 (14.4%) 0.00 43
    2022-07-01 $170,000 (36.0%) $186,845 (3.8%) 0.00 49
    2022-08-01 $192,425 (44.9%) $216,479 (18.3%) 0.00 48
    2022-09-01 $199,450 (47.7%) $202,079 (10.2%) 0.00 52
    2022-10-01 $199,900 (48.1%) $209,954 (24.2%) 0.00 46
    2022-11-01 $187,450 (39.9%) $209,852 (17.2%) 0.00 47
    2022-12-01 $160,000 (14.5%) $196,241 (10.0%) 0.00 51
    2023-01-01 $168,550 (-0.3%) $198,500 (-4.1%) 0.00 47
    2023-02-01 $167,350 (-2.1%) $188,501 (-12.5%) 0.00 31
    2023-03-01 $146,500 (-13.4%) $213,694 (-0.3%) 0.00 26
    2023-04-01 $146,950 (-22.6%) $197,479 (-7.7%) 0.00 28
    2023-05-01 $217,400 (17.1%) $223,039 (3.8%) 0.00 22
    2023-06-01 $219,900 (22.9%) $240,592 (20.3%) 0.00 28
    2023-07-01 $222,450 (30.9%) $245,243 (31.3%) 0.00 32
    2023-08-01 $202,175 (5.1%) $205,521 (-5.1%) 0.00 32
    2023-09-01 $184,950 (-7.3%) $198,426 (-1.8%) 0.00 30
    2023-10-01 $129,900 (-35.0%) $180,129 (-14.2%) 0.00 51
    2023-11-01 $128,450 (-31.5%) $181,345 (-13.6%) 0.00 49
    2023-12-01 $174,900 (9.3%) $191,716 (-2.3%) 0.00 47
    2024-01-01 $173,650 (3.0%) $189,735 (-4.4%) 0.00 47
    2024-02-01 $179,900 (7.5%) $207,307 (10.0%) 0.00 44
    2024-03-01 $224,900 (53.5%) $213,696 (0.0%) 0.00 54
    2024-04-01 $221,175 (50.5%) $230,329 (16.6%) 0.00 47
    2024-05-01 $224,900 (3.5%) $253,570 (13.7%) 0.00 57
    2024-06-01 $234,900 (6.8%) $272,224 (13.2%) 0.00 61
    2024-07-01 $220,000 (-1.1%) $266,485 (8.7%) 0.00 62
    2024-08-01 $210,000 (3.9%) $274,275 (33.5%) 0.00 55
    2024-09-01 $211,125 (14.2%) $265,325 (33.7%) 0.00 62
    2024-10-01 $204,500 (57.4%) $257,933 (43.2%) 0.00 69
    2024-11-01 $209,500 (63.1%) $243,024 (34.0%) 0.00 65
    2024-12-01 $211,175 (20.7%) $232,834 (21.5%) 0.00 65
    2025-01-01 $215,000 (23.8%) $232,754 (22.7%) 0.00 64
    Lewistown's median listing price for 2025-01-01 was $215,000, a difference of $41,350 (23.8%) versus the prior year and $3,825 versus the prior month.

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

    Lewistown's average listing price for 2025-01-01 was $232,754, a difference of $43,019 (22.7%) versus the prior year and $-80 versus the prior month.

    For the 2025-01-01 period, Lewistown had 64 MLS listings, a difference of -1 listings (-2%) versus the prior month and 17 listings (36%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Lewistown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,415 sqft
    2018-02-01 0 days 1,414 sqft
    2018-03-01 0 days 1,388 sqft
    2018-04-01 0 days 1,409 sqft
    2018-05-01 0 days 1,422 sqft
    2018-06-01 0 days 1,422 sqft
    2018-07-01 0 days 1,410 sqft
    2018-08-01 0 days 1,388 sqft
    2018-09-01 0 days 1,392 sqft
    2018-10-01 0 days 1,516 sqft
    2018-11-01 0 days 1,496 sqft
    2018-12-01 0 days 1,413 sqft
    2019-01-01 0 days 1,445 sqft
    2019-02-01 0 days 1,416 sqft
    2019-03-01 0 days 1,400 sqft
    2019-04-01 0 days 1,392 sqft
    2019-05-01 0 days 1,469 sqft
    2019-06-01 0 days 1,456 sqft
    2019-07-01 0 days 1,365 sqft
    2019-08-01 0 days 1,346 sqft
    2019-09-01 0 days 1,349 sqft
    2019-10-01 0 days 1,352 sqft
    2019-11-01 0 days 1,352 sqft
    2019-12-01 0 days 1,418 sqft
    2020-01-01 0 days 1,415 sqft
    2020-02-01 0 days 1,436 sqft
    2020-03-01 0 days 1,450 sqft
    2020-04-01 0 days 1,452 sqft
    2020-05-01 0 days 1,482 sqft
    2020-06-01 0 days 1,441 sqft
    2020-07-01 0 days 1,468 sqft
    2020-08-01 0 days 1,498 sqft
    2020-09-01 0 days 1,561 sqft
    2020-10-01 0 days 1,764 sqft
    2020-11-01 0 days 1,890 sqft
    2020-12-01 0 days 1,827 sqft
    2021-01-01 0 days 2,010 sqft
    2021-02-01 0 days 2,045 sqft
    2021-03-01 0 days 2,025 sqft
    2021-04-01 0 days 1,866 sqft
    2021-05-01 0 days 1,684 sqft
    2021-06-01 0 days 1,462 sqft
    2021-07-01 0 days 1,533 sqft
    2021-08-01 0 days 1,492 sqft
    2021-09-01 0 days 1,483 sqft
    2021-10-01 0 days 1,474 sqft
    2021-11-01 0 days 1,527 sqft
    2021-12-01 0 days 1,508 sqft
    2022-01-01 0 days 1,517 sqft
    2022-02-01 0 days 1,664 sqft
    2022-03-01 0 days 1,679 sqft
    2022-04-01 0 days 1,533 sqft
    2022-05-01 0 days 1,512 sqft
    2022-06-01 0 days 1,429 sqft
    2022-07-01 0 days 1,408 sqft
    2022-08-01 0 days 1,432 sqft
    2022-09-01 0 days 1,364 sqft
    2022-10-01 0 days 1,406 sqft
    2022-11-01 0 days 1,418 sqft
    2022-12-01 0 days 1,406 sqft
    2023-01-01 0 days 1,406 sqft
    2023-02-01 0 days 1,385 sqft
    2023-03-01 0 days 1,533 sqft
    2023-04-01 0 days 1,495 sqft
    2023-05-01 0 days 1,483 sqft
    2023-06-01 0 days 1,495 sqft
    2023-07-01 0 days 1,844 sqft
    2023-08-01 0 days 1,510 sqft
    2023-09-01 0 days 1,564 sqft
    2023-10-01 0 days 1,399 sqft
    2023-11-01 0 days 1,431 sqft
    2023-12-01 0 days 1,540 sqft
    2024-01-01 0 days 1,657 sqft
    2024-02-01 0 days 1,641 sqft
    2024-03-01 0 days 1,430 sqft
    2024-04-01 0 days 1,362 sqft
    2024-05-01 0 days 1,440 sqft
    2024-06-01 0 days 1,352 sqft
    2024-07-01 0 days 1,391 sqft
    2024-08-01 0 days 1,336 sqft
    2024-09-01 0 days 1,436 sqft
    2024-10-01 0 days 1,366 sqft
    2024-11-01 0 days 1,388 sqft
    2024-12-01 0 days 1,305 sqft
    2025-01-01 0 days 1,440 sqft
    Lewistown's median listing age (time on market) for 2025-01-01 was 0 days.

    Lewistown's median square footage for active listings during the 2025-01-01 period was 1,440 sqft. One year prior, the average listing was 1,657 sqft.