Lock Haven USDA Loan Rates, Closing Costs & Stats

Lock Haven, 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.

    Lock Haven's 9 lenders originated 35 USDA loans during 2024. The total origination value was $6,145,000, with an average USDA loan value of $175,571.

    Lock Haven USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Lock Haven averaged 6.25% for the week of 2025-07-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Lock Haven's average USDA mortgage closing costs are $5,515.

    The average rate for the prior week (2025-07-04) was 6.36% and one month ago for the week of 2025-06-06, the average rate was 6.66%.

    The average rate one year ago was 6.74%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.65%.

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

    Lock Haven 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 Lock Haven level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Century Mortgage Company DBA Century Lending Company 8 6.36% $7,058
    First Columbia Bank & Trust Co. 5 5.63% $6,322
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 5.63% $6,274
    Jersey Shore State Bank 2 6.44% $6,589
    First Commonwealth Bank 1 6.25% $6,442
    HORIZON Federal Credit Union 1 6.25% $6,113
    Equity Prime Mortgage LLC 1 6.75% $4,670
    Mortgage Research Center, LLC 1 6.13% $4,867
    FIRST COLONY MORTGAGE CORPORATION 1 6.25% $8,238

    The top Lock Haven USDA lender as defined by loan originations is Century Mortgage Company DBA Century Lending Company, with 8 USDA loans originated. Their average total fees are $7,058, which is $736 higher than the next largest lender, First Columbia Bank & Trust Co..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Lock Haven (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 $155,000 (8.0%) $183,913 (10.0%) 0.00 120
    2018-02-01 $152,075 (1.6%) $180,294 (-9.1%) 0.00 120
    2018-03-01 $153,100 (8.4%) $182,771 (-0.9%) 0.00 115
    2018-04-01 $153,000 (1.4%) $186,627 (-0.8%) 0.00 120
    2018-05-01 $152,000 (-0.3%) $187,046 (-2.7%) 0.00 128
    2018-06-01 $139,900 (-14.9%) $182,821 (-10.7%) 0.00 138
    2018-07-01 $149,600 (-7.9%) $186,681 (-9.4%) 0.00 138
    2018-08-01 $147,500 (-1.6%) $183,456 (-8.0%) 0.00 140
    2018-09-01 $140,000 (-6.6%) $176,351 (-3.8%) 0.00 142
    2018-10-01 $139,900 (-12.0%) $178,033 (-6.9%) 0.00 150
    2018-11-01 $139,600 (-7.3%) $175,716 (-7.6%) 0.00 156
    2018-12-01 $134,900 (-10.1%) $166,477 (-8.4%) 0.00 147
    2019-01-01 $133,200 (-14.1%) $174,248 (-5.3%) 0.00 131
    2019-02-01 $139,700 (-8.1%) $180,613 (0.2%) 0.00 122
    2019-03-01 $136,686 (-10.7%) $181,008 (-1.0%) 0.00 112
    2019-04-01 $134,186 (-12.3%) $175,993 (-5.7%) 0.00 111
    2019-05-01 $138,800 (-8.7%) $181,545 (-2.9%) 0.00 122
    2019-06-01 $145,900 (4.3%) $198,086 (8.4%) 0.00 122
    2019-07-01 $142,400 (-4.8%) $195,180 (4.6%) 0.00 130
    2019-08-01 $140,364 (-4.8%) $191,034 (4.1%) 0.00 142
    2019-09-01 $142,409 (1.7%) $187,029 (6.1%) 0.00 142
    2019-10-01 $144,250 (3.1%) $185,966 (4.5%) 0.00 141
    2019-11-01 $139,900 (0.2%) $187,726 (6.8%) 0.00 133
    2019-12-01 $139,900 (3.7%) $181,327 (8.9%) 0.00 120
    2020-01-01 $137,000 (2.9%) $178,028 (2.2%) 0.00 114
    2020-02-01 $123,000 (-12.0%) $170,096 (-5.8%) 0.00 109
    2020-03-01 $129,675 (-5.1%) $166,942 (-7.8%) 0.00 103
    2020-04-01 $129,900 (-3.2%) $166,011 (-5.7%) 0.00 100
    2020-05-01 $130,000 (-6.3%) $170,191 (-6.3%) 0.00 97
    2020-06-01 $140,950 (-3.4%) $188,904 (-4.6%) 0.00 99
    2020-07-01 $139,900 (-1.8%) $185,513 (-5.0%) 0.00 102
    2020-08-01 $149,000 (6.2%) $188,611 (-1.3%) 0.00 97
    2020-09-01 $128,972 (-9.4%) $170,783 (-8.7%) 0.00 91
    2020-10-01 $127,450 (-11.7%) $164,741 (-11.4%) 0.00 88
    2020-11-01 $139,900 (0.0%) $176,047 (-6.2%) 0.00 91
    2020-12-01 $144,900 (3.6%) $177,373 (-2.2%) 0.00 81
    2021-01-01 $139,200 (1.6%) $190,172 (6.8%) 0.00 60
    2021-02-01 $147,400 (19.8%) $203,643 (19.7%) 0.00 56
    2021-03-01 $148,650 (14.6%) $195,282 (17.0%) 0.00 52
    2021-04-01 $162,450 (25.1%) $202,265 (21.8%) 0.00 45
    2021-05-01 $199,950 (53.8%) $225,188 (32.3%) 0.00 38
    2021-06-01 $206,950 (46.8%) $229,689 (21.6%) 0.00 50
    2021-07-01 $189,000 (35.1%) $226,024 (21.8%) 0.00 53
    2021-08-01 $174,900 (17.4%) $228,364 (21.1%) 0.00 61
    2021-09-01 $165,975 (28.7%) $230,228 (34.8%) 0.00 61
    2021-10-01 $179,900 (41.2%) $239,014 (45.1%) 0.00 64
    2021-11-01 $160,875 (15.0%) $216,099 (22.8%) 0.00 63
    2021-12-01 $152,450 (5.2%) $208,626 (17.6%) 0.00 56
    2022-01-01 $149,900 (7.7%) $204,646 (7.6%) 0.00 49
    2022-02-01 $146,300 (-0.8%) $204,377 (0.4%) 0.00 48
    2022-03-01 $169,900 (14.3%) $231,483 (18.5%) 0.00 44
    2022-04-01 $175,000 (7.7%) $223,044 (10.3%) 0.00 41
    2022-05-01 $196,500 (-1.7%) $242,829 (7.8%) 0.00 49
    2022-06-01 $184,925 (-10.6%) $248,436 (8.2%) 0.00 47
    2022-07-01 $189,950 (0.5%) $264,463 (17.0%) 0.00 57
    2022-08-01 $191,575 (9.5%) $259,482 (13.6%) 0.00 63
    2022-09-01 $183,100 (10.3%) $249,963 (8.6%) 0.00 65
    2022-10-01 $204,250 (13.5%) $254,318 (6.4%) 0.00 52
    2022-11-01 $200,250 (24.5%) $259,373 (20.0%) 0.00 56
    2022-12-01 $195,500 (28.2%) $257,905 (23.6%) 0.00 48
    2023-01-01 $172,450 (15.0%) $251,001 (22.7%) 0.00 38
    2023-02-01 $173,625 (18.7%) $247,013 (20.9%) 0.00 40
    2023-03-01 $200,900 (18.3%) $263,198 (13.7%) 0.00 35
    2023-04-01 $205,200 (17.3%) $252,055 (13.0%) 0.00 43
    2023-05-01 $199,675 (1.6%) $224,384 (-7.6%) 0.00 43
    2023-06-01 $199,925 (8.1%) $218,305 (-12.1%) 0.00 46
    2023-07-01 $199,900 (5.2%) $232,938 (-11.9%) 0.00 47
    2023-08-01 $236,150 (23.3%) $273,116 (5.3%) 0.00 49
    2023-09-01 $238,600 (30.3%) $299,861 (20.0%) 0.00 56
    2023-10-01 $239,700 (17.4%) $303,449 (19.3%) 0.00 56
    2023-11-01 $219,900 (9.8%) $274,686 (5.9%) 0.00 61
    2023-12-01 $199,000 (1.8%) $252,783 (-2.0%) 0.00 58
    2024-01-01 $193,425 (12.2%) $245,972 (-2.0%) 0.00 54
    2024-02-01 $207,400 (19.5%) $272,239 (10.2%) 0.00 49
    2024-03-01 $190,000 (-5.4%) $255,818 (-2.8%) 0.00 54
    2024-04-01 $184,950 (-9.9%) $253,094 (0.4%) 0.00 52
    2024-05-01 $200,925 (0.6%) $264,145 (17.7%) 0.00 60
    2024-06-01 $224,950 (12.5%) $268,246 (22.9%) 0.00 54
    2024-07-01 $249,900 (25.0%) $288,741 (24.0%) 0.00 53
    2024-08-01 $249,995 (5.9%) $318,849 (16.7%) 0.00 70
    2024-09-01 $245,000 (2.7%) $302,344 (0.8%) 0.00 88
    2024-10-01 $242,000 (1.0%) $272,844 (-10.1%) 0.00 87
    2024-11-01 $229,900 (4.6%) $262,999 (-4.3%) 0.00 82
    2024-12-01 $228,999 (15.1%) $251,499 (-0.5%) 0.00 68
    2025-01-01 $232,400 (20.2%) $252,518 (2.7%) 0.00 58
    2025-02-01 $223,725 (7.9%) $257,413 (-5.5%) 0.00 62
    2025-03-01 $225,000 (18.4%) $253,217 (-1.0%) 0.00 69
    2025-04-01 $245,000 (32.5%) $268,861 (6.2%) 0.00 70
    2025-05-01 $254,948 (26.9%) $297,885 (12.8%) 0.00 72
    2025-06-01 $251,175 (11.7%) $302,510 (12.8%) 0.00 73
    Lock Haven's median listing price for 2025-06-01 was $251,175, a difference of $26,225 (11.7%) versus the prior year and $-3,773 versus the prior month.

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

    Lock Haven's average listing price for 2025-06-01 was $302,510, a difference of $34,264 (12.8%) versus the prior year and $4,625 versus the prior month.

    For the 2025-06-01 period, Lock Haven had 73 MLS listings, a difference of 1 listings (1%) versus the prior month and 19 listings (35%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Lock Haven (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,917 sqft
    2018-02-01 0 days 1,793 sqft
    2018-03-01 0 days 1,589 sqft
    2018-04-01 0 days 1,678 sqft
    2018-05-01 0 days 1,761 sqft
    2018-06-01 0 days 1,768 sqft
    2018-07-01 0 days 1,756 sqft
    2018-08-01 0 days 1,817 sqft
    2018-09-01 0 days 1,761 sqft
    2018-10-01 0 days 1,785 sqft
    2018-11-01 0 days 1,799 sqft
    2018-12-01 0 days 1,761 sqft
    2019-01-01 0 days 1,758 sqft
    2019-02-01 0 days 1,760 sqft
    2019-03-01 0 days 1,743 sqft
    2019-04-01 0 days 1,725 sqft
    2019-05-01 0 days 1,754 sqft
    2019-06-01 0 days 1,800 sqft
    2019-07-01 0 days 1,716 sqft
    2019-08-01 0 days 1,679 sqft
    2019-09-01 0 days 1,651 sqft
    2019-10-01 0 days 1,646 sqft
    2019-11-01 0 days 1,640 sqft
    2019-12-01 0 days 1,639 sqft
    2020-01-01 0 days 1,635 sqft
    2020-02-01 0 days 1,608 sqft
    2020-03-01 0 days 1,646 sqft
    2020-04-01 0 days 1,681 sqft
    2020-05-01 0 days 1,660 sqft
    2020-06-01 0 days 1,662 sqft
    2020-07-01 0 days 1,701 sqft
    2020-08-01 0 days 1,723 sqft
    2020-09-01 0 days 1,643 sqft
    2020-10-01 0 days 1,646 sqft
    2020-11-01 0 days 1,696 sqft
    2020-12-01 0 days 1,815 sqft
    2021-01-01 0 days 1,780 sqft
    2021-02-01 0 days 1,807 sqft
    2021-03-01 0 days 1,789 sqft
    2021-04-01 0 days 1,807 sqft
    2021-05-01 0 days 1,800 sqft
    2021-06-01 0 days 1,870 sqft
    2021-07-01 0 days 1,750 sqft
    2021-08-01 0 days 1,809 sqft
    2021-09-01 0 days 1,803 sqft
    2021-10-01 0 days 1,862 sqft
    2021-11-01 0 days 1,764 sqft
    2021-12-01 0 days 1,776 sqft
    2022-01-01 0 days 1,660 sqft
    2022-02-01 0 days 1,652 sqft
    2022-03-01 0 days 1,759 sqft
    2022-04-01 0 days 1,644 sqft
    2022-05-01 0 days 1,742 sqft
    2022-06-01 0 days 1,751 sqft
    2022-07-01 0 days 1,840 sqft
    2022-08-01 0 days 1,758 sqft
    2022-09-01 0 days 1,734 sqft
    2022-10-01 0 days 1,729 sqft
    2022-11-01 0 days 1,722 sqft
    2022-12-01 0 days 1,781 sqft
    2023-01-01 0 days 1,667 sqft
    2023-02-01 0 days 1,728 sqft
    2023-03-01 0 days 1,729 sqft
    2023-04-01 0 days 1,763 sqft
    2023-05-01 0 days 1,692 sqft
    2023-06-01 0 days 1,746 sqft
    2023-07-01 0 days 1,729 sqft
    2023-08-01 0 days 1,756 sqft
    2023-09-01 0 days 1,755 sqft
    2023-10-01 0 days 1,887 sqft
    2023-11-01 0 days 1,789 sqft
    2023-12-01 0 days 1,741 sqft
    2024-01-01 0 days 1,692 sqft
    2024-02-01 0 days 1,692 sqft
    2024-03-01 0 days 1,687 sqft
    2024-04-01 0 days 1,696 sqft
    2024-05-01 0 days 1,789 sqft
    2024-06-01 0 days 1,725 sqft
    2024-07-01 0 days 1,844 sqft
    2024-08-01 0 days 1,926 sqft
    2024-09-01 0 days 1,819 sqft
    2024-10-01 0 days 1,765 sqft
    2024-11-01 0 days 1,722 sqft
    2024-12-01 0 days 1,689 sqft
    2025-01-01 0 days 1,676 sqft
    2025-02-01 0 days 1,612 sqft
    2025-03-01 0 days 1,602 sqft
    2025-04-01 0 days 1,720 sqft
    2025-05-01 0 days 1,920 sqft
    2025-06-01 0 days 1,942 sqft
    Lock Haven's median listing age (time on market) for 2025-06-01 was 0 days.

    Lock Haven's median square footage for active listings during the 2025-06-01 period was 1,942 sqft. One year prior, the average listing was 1,725 sqft.