Ogden USDA Loan Rates, Closing Costs & Stats

OGDEN-CLEARFIELD, UT

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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.

    Ogden's 14 lenders originated 25 USDA loans during 2023. The total origination value was $8,235,000, with an average USDA loan value of $329,400.

    Ogden USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Ogden averaged 6.19% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Ogden's average USDA mortgage closing costs are $6,651.

    The average rate for the prior week (2024-12-06) was 6.03% and one month ago for the week of 2024-11-08, the average rate was 6.24%.

    The average rate one year ago was 6.81%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.05%.

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

    Ogden 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 Ogden level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 6 5.82% $12,577
    GUILD MORTGAGE COMPANY 4 5.75% $13,610
    INTERCAP LENDING INC. 3 6.04% $13,275
    NEWREZ LLC 2 5.75% $10,272
    CITYWIDE HOME LOANS, LLC 1 5.63% $10,783
    FIRST COLONY MORTGAGE CORPORATION 1 5.13% $3,750
    GOLDENWEST 1 4.99% $11,390
    UNION HOME MORTGAGE CORP. 1 5.88% $18,950
    Utah Mortgage Loan Corporation 1 6.00% $3,938
    American Mortgage & Equity Consultants, Inc. 1 6.25% $13,434
    VAN DYK MORTGAGE CORPORATION 1 4.50% $3,856
    CANOPY MORTGAGE, LLC 1 5.25% $12,800
    Century Mortgage Company DBA Century Lending Company 1 6.75% $8,859
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.63% $7,636

    The top Ogden USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 6 USDA loans originated. Their average total fees are $12,577, which is $1,033 lower than the next largest lender, GUILD MORTGAGE COMPANY.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Ogden (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 $349,850 (7.7%) $413,336 (9.9%) 1.30 1,037
    2018-02-01 $366,950 (4.5%) $439,011 (9.8%) 1.33 941
    2018-03-01 $379,950 (4.0%) $457,408 (10.0%) 1.33 956
    2018-04-01 $386,200 (3.7%) $463,257 (8.8%) 1.31 1,022
    2018-05-01 $384,950 (4.2%) $465,903 (10.7%) 1.29 1,151
    2018-06-01 $384,700 (5.0%) $466,443 (11.6%) 1.28 1,266
    2018-07-01 $378,700 (8.2%) $460,206 (13.5%) 1.26 1,409
    2018-08-01 $373,250 (9.8%) $447,646 (11.4%) 1.25 1,562
    2018-09-01 $368,900 (11.5%) $439,322 (11.7%) 1.24 1,718
    2018-10-01 $364,900 (10.6%) $441,854 (11.5%) 1.24 1,721
    2018-11-01 $364,500 (9.7%) $444,348 (12.3%) 1.24 1,645
    2018-12-01 $369,950 (8.8%) $457,098 (15.4%) 1.28 1,498
    2019-01-01 $379,900 (8.6%) $475,217 (15.0%) 1.31 1,325
    2019-02-01 $384,900 (4.9%) $479,999 (9.3%) 1.30 1,254
    2019-03-01 $396,413 (4.3%) $497,864 (8.8%) 1.30 1,209
    2019-04-01 $406,690 (5.3%) $506,640 (9.4%) 1.29 1,257
    2019-05-01 $399,350 (3.7%) $495,152 (6.3%) 1.25 1,394
    2019-06-01 $390,950 (1.6%) $488,464 (4.7%) 1.22 1,466
    2019-07-01 $384,950 (1.7%) $480,403 (4.4%) 1.21 1,551
    2019-08-01 $377,264 (1.1%) $475,781 (6.3%) 1.19 1,579
    2019-09-01 $365,809 (-0.8%) $464,336 (5.7%) 1.17 1,641
    2019-10-01 $357,950 (-1.9%) $459,004 (3.9%) 1.15 1,669
    2019-11-01 $359,900 (-1.3%) $460,604 (3.7%) 1.18 1,514
    2019-12-01 $373,000 (0.8%) $480,826 (5.2%) 1.24 1,213
    2020-01-01 $388,900 (2.4%) $527,877 (11.1%) 1.30 1,000
    2020-02-01 $398,900 (3.6%) $555,903 (15.8%) 1.31 865
    2020-03-01 $401,190 (1.2%) $570,356 (14.6%) 1.26 910
    2020-04-01 $393,373 (-3.3%) $512,466 (1.2%) 1.23 1,171
    2020-05-01 $415,000 (3.9%) $560,942 (13.3%) 1.26 990
    2020-06-01 $441,515 (12.9%) $607,383 (24.4%) 1.30 850
    2020-07-01 $445,000 (15.6%) $614,246 (27.9%) 1.29 727
    2020-08-01 $429,945 (14.0%) $616,028 (29.5%) 1.23 607
    2020-09-01 $431,200 (17.9%) $621,395 (33.8%) 1.24 532
    2020-10-01 $441,450 (23.3%) $661,467 (44.1%) 1.26 475
    2020-11-01 $454,700 (26.3%) $702,460 (52.5%) 1.33 424
    2020-12-01 $457,475 (22.7%) $749,510 (55.9%) 1.36 335
    2021-01-01 $495,300 (27.4%) $751,436 (42.4%) 1.48 275
    2021-02-01 $472,475 (18.4%) $783,288 (40.9%) 1.38 236
    2021-03-01 $462,475 (15.3%) $762,947 (33.8%) 1.31 267
    2021-04-01 $484,331 (23.1%) $751,637 (46.7%) 1.31 273
    2021-05-01 $515,000 (24.1%) $751,205 (33.9%) 1.37 331
    2021-06-01 $494,463 (12.0%) $706,777 (16.4%) 1.30 453
    2021-07-01 $480,000 (7.9%) $646,861 (5.3%) 1.27 504
    2021-08-01 $494,675 (15.1%) $663,204 (7.7%) 1.32 602
    2021-09-01 $494,950 (14.8%) $646,546 (4.1%) 1.32 659
    2021-10-01 $491,900 (11.4%) $622,688 (-5.9%) 1.31 616
    2021-11-01 $489,340 (7.6%) $616,658 (-12.2%) 1.31 549
    2021-12-01 $504,900 (10.4%) $640,360 (-14.6%) 1.37 407
    2022-01-01 $499,900 (0.9%) $631,009 (-16.0%) 1.35 264
    2022-02-01 $537,780 (13.8%) $678,178 (-13.4%) 1.40 274
    2022-03-01 $527,000 (14.0%) $678,796 (-11.0%) 1.32 331
    2022-04-01 $572,400 (18.2%) $700,347 (-6.8%) 1.36 471
    2022-05-01 $582,225 (13.1%) $693,662 (-7.7%) 1.33 786
    2022-06-01 $584,500 (18.2%) $683,408 (-3.3%) 1.30 1,117
    2022-07-01 $560,000 (16.7%) $639,842 (-1.1%) 1.26 1,582
    2022-08-01 $544,950 (10.2%) $632,814 (-4.6%) 1.26 1,803
    2022-09-01 $534,500 (8.0%) $627,445 (-3.0%) 1.25 1,876
    2022-10-01 $528,000 (7.3%) $617,659 (-0.8%) 1.24 1,926
    2022-11-01 $519,997 (6.3%) $609,878 (-1.1%) 1.25 1,884
    2022-12-01 $526,643 (4.3%) $617,475 (-3.6%) 1.30 1,642
    2023-01-01 $544,500 (8.9%) $640,507 (1.5%) 1.35 1,341
    2023-02-01 $550,000 (2.3%) $664,411 (-2.0%) 1.33 1,195
    2023-03-01 $563,850 (7.0%) $663,738 (-2.2%) 1.33 1,122
    2023-04-01 $589,000 (2.9%) $686,448 (-2.0%) 1.37 1,030
    2023-05-01 $584,500 (0.4%) $682,577 (-1.6%) 1.33 1,139
    2023-06-01 $579,675 (-0.8%) $684,656 (0.2%) 1.30 1,247
    2023-07-01 $579,000 (3.4%) $704,570 (10.1%) 1.32 1,327
    2023-08-01 $571,995 (5.0%) $698,149 (10.3%) 1.31 1,415
    2023-09-01 $570,000 (6.6%) $684,822 (9.1%) 1.33 1,528
    2023-10-01 $550,000 (4.2%) $680,067 (10.1%) 1.29 1,557
    2023-11-01 $549,900 (5.8%) $677,391 (11.1%) 1.31 1,535
    2023-12-01 $549,000 (4.3%) $677,690 (9.8%) 1.34 1,286
    2024-01-01 $549,945 (1.0%) $684,843 (6.9%) 1.34 1,155
    2024-02-01 $549,925 (0.0%) $686,322 (3.3%) 1.32 1,009
    2024-03-01 $550,000 (-2.5%) $690,158 (4.0%) 1.29 980
    2024-04-01 $565,950 (-3.9%) $703,632 (2.5%) 1.32 1,040
    2024-05-01 $580,000 (-0.8%) $732,419 (7.3%) 1.31 1,197
    2024-06-01 $573,000 (-1.2%) $719,020 (5.0%) 1.29 1,403
    2024-07-01 $557,500 (-3.7%) $699,300 (-0.8%) 1.27 1,544
    2024-08-01 $550,000 (-3.9%) $695,606 (-0.4%) 1.28 1,587
    2024-09-01 $549,650 (-3.6%) $684,425 (-0.1%) 1.29 1,724
    2024-10-01 $534,900 (-2.8%) $676,274 (-0.6%) 1.26 1,761
    2024-11-01 $525,000 (-4.5%) $659,213 (-2.7%) 1.26 1,757
    Ogden's median listing price for 2024-11-01 was $525,000, a difference of $-24,900 (-4.5%) versus the prior year and $-9,900 versus the prior month.

    Ogden's median listing price comes in at 126% of the national average.

    Ogden's average listing price for 2024-11-01 was $659,213, a difference of $-18,178 (-2.7%) versus the prior year and $-17,061 versus the prior month.

    For the 2024-11-01 period, Ogden had 1,757 MLS listings, a difference of -4 listings (0%) versus the prior month and 222 listings (14%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ogden (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 57 days 2,947 sqft
    2018-02-01 38 days 3,037 sqft
    2018-03-01 33 days 3,138 sqft
    2018-04-01 30 days 3,130 sqft
    2018-05-01 29 days 3,063 sqft
    2018-06-01 32 days 3,062 sqft
    2018-07-01 33 days 3,002 sqft
    2018-08-01 35 days 2,933 sqft
    2018-09-01 35 days 2,888 sqft
    2018-10-01 39 days 2,858 sqft
    2018-11-01 45 days 2,850 sqft
    2018-12-01 53 days 2,898 sqft
    2019-01-01 63 days 2,972 sqft
    2019-02-01 49 days 2,998 sqft
    2019-03-01 41 days 3,073 sqft
    2019-04-01 37 days 3,136 sqft
    2019-05-01 31 days 3,058 sqft
    2019-06-01 32 days 3,003 sqft
    2019-07-01 35 days 2,959 sqft
    2019-08-01 36 days 2,877 sqft
    2019-09-01 37 days 2,777 sqft
    2019-10-01 38 days 2,708 sqft
    2019-11-01 45 days 2,696 sqft
    2019-12-01 55 days 2,764 sqft
    2020-01-01 67 days 2,923 sqft
    2020-02-01 37 days 2,947 sqft
    2020-03-01 24 days 2,925 sqft
    2020-04-01 28 days 2,809 sqft
    2020-05-01 38 days 2,954 sqft
    2020-06-01 30 days 3,012 sqft
    2020-07-01 32 days 2,899 sqft
    2020-08-01 24 days 2,745 sqft
    2020-09-01 23 days 2,709 sqft
    2020-10-01 19 days 2,599 sqft
    2020-11-01 24 days 2,658 sqft
    2020-12-01 32 days 2,480 sqft
    2021-01-01 26 days 2,478 sqft
    2021-02-01 9 days 2,502 sqft
    2021-03-01 3 days 2,431 sqft
    2021-04-01 5 days 2,576 sqft
    2021-05-01 9 days 2,673 sqft
    2021-06-01 9 days 2,477 sqft
    2021-07-01 12 days 2,425 sqft
    2021-08-01 14 days 2,442 sqft
    2021-09-01 18 days 2,461 sqft
    2021-10-01 22 days 2,358 sqft
    2021-11-01 24 days 2,295 sqft
    2021-12-01 37 days 2,405 sqft
    2022-01-01 37 days 2,376 sqft
    2022-02-01 22 days 2,454 sqft
    2022-03-01 22 days 2,274 sqft
    2022-04-01 20 days 2,468 sqft
    2022-05-01 23 days 2,516 sqft
    2022-06-01 25 days 2,546 sqft
    2022-07-01 31 days 2,408 sqft
    2022-08-01 38 days 2,397 sqft
    2022-09-01 44 days 2,396 sqft
    2022-10-01 50 days 2,392 sqft
    2022-11-01 57 days 2,387 sqft
    2022-12-01 66 days 2,414 sqft
    2023-01-01 75 days 2,497 sqft
    2023-02-01 64 days 2,570 sqft
    2023-03-01 50 days 2,627 sqft
    2023-04-01 46 days 2,760 sqft
    2023-05-01 39 days 2,720 sqft
    2023-06-01 39 days 2,700 sqft
    2023-07-01 44 days 2,673 sqft
    2023-08-01 46 days 2,588 sqft
    2023-09-01 47 days 2,556 sqft
    2023-10-01 49 days 2,529 sqft
    2023-11-01 55 days 2,520 sqft
    2023-12-01 67 days 2,463 sqft
    2024-01-01 72 days 2,460 sqft
    2024-02-01 59 days 2,462 sqft
    2024-03-01 46 days 2,479 sqft
    2024-04-01 41 days 2,537 sqft
    2024-05-01 34 days 2,692 sqft
    2024-06-01 38 days 2,544 sqft
    2024-07-01 44 days 2,497 sqft
    2024-08-01 50 days 2,487 sqft
    2024-09-01 51 days 2,441 sqft
    2024-10-01 51 days 2,372 sqft
    2024-11-01 58 days 2,336 sqft
    Ogden's median listing age (time on market) for 2024-11-01 was 58 days. This is 5% longer than the same period one year ago.

    Ogden's median square footage for active listings during the 2024-11-01 period was 2,336 sqft. One year prior, the average listing was 2,520 sqft.