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 6.11% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

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

    The average rate for the prior week (2025-02-07) was 6.27% and one month ago for the week of 2025-01-10, the average rate was 6.22%.

    The average rate one year ago was 6.11%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.38%.

    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 $356,400 (6.1%) $421,843 (9.5%) 1.30 945
    2018-02-01 $372,475 (3.1%) $447,565 (9.5%) 1.33 868
    2018-03-01 $389,900 (5.3%) $467,890 (10.3%) 1.33 877
    2018-04-01 $390,420 (2.8%) $470,775 (8.5%) 1.31 947
    2018-05-01 $389,900 (3.4%) $473,675 (10.1%) 1.29 1,065
    2018-06-01 $389,900 (5.0%) $474,379 (11.7%) 1.28 1,171
    2018-07-01 $381,400 (5.9%) $466,500 (12.7%) 1.26 1,307
    2018-08-01 $374,925 (7.2%) $453,037 (11.0%) 1.25 1,461
    2018-09-01 $369,950 (8.9%) $445,001 (11.6%) 1.24 1,593
    2018-10-01 $368,250 (8.8%) $448,438 (11.4%) 1.24 1,593
    2018-11-01 $367,475 (6.9%) $450,541 (11.8%) 1.24 1,526
    2018-12-01 $375,000 (7.2%) $464,467 (14.8%) 1.28 1,371
    2019-01-01 $384,900 (8.0%) $484,545 (14.9%) 1.31 1,214
    2019-02-01 $389,450 (4.6%) $488,713 (9.2%) 1.30 1,153
    2019-03-01 $400,854 (2.8%) $506,938 (8.4%) 1.30 1,116
    2019-04-01 $414,950 (6.3%) $517,267 (9.9%) 1.29 1,155
    2019-05-01 $399,900 (2.6%) $503,683 (6.3%) 1.25 1,286
    2019-06-01 $399,000 (2.3%) $497,912 (5.0%) 1.22 1,348
    2019-07-01 $394,310 (3.4%) $491,300 (5.3%) 1.21 1,411
    2019-08-01 $385,787 (2.9%) $486,155 (7.3%) 1.19 1,439
    2019-09-01 $374,038 (1.1%) $474,771 (6.7%) 1.17 1,501
    2019-10-01 $364,900 (-0.9%) $469,349 (4.7%) 1.15 1,529
    2019-11-01 $367,940 (0.1%) $469,656 (4.2%) 1.18 1,404
    2019-12-01 $377,450 (0.7%) $491,886 (5.9%) 1.24 1,127
    2020-01-01 $395,625 (2.8%) $543,558 (12.2%) 1.30 922
    2020-02-01 $402,100 (3.3%) $575,382 (17.7%) 1.31 795
    2020-03-01 $410,851 (2.5%) $584,331 (15.3%) 1.26 858
    2020-04-01 $399,093 (-3.8%) $523,479 (1.2%) 1.23 1,095
    2020-05-01 $425,565 (6.4%) $578,130 (14.8%) 1.26 911
    2020-06-01 $454,500 (13.9%) $625,271 (25.6%) 1.30 796
    2020-07-01 $462,800 (17.4%) $632,599 (28.8%) 1.29 674
    2020-08-01 $446,997 (15.9%) $639,893 (31.6%) 1.23 553
    2020-09-01 $446,870 (19.5%) $640,548 (34.9%) 1.24 498
    2020-10-01 $457,000 (25.2%) $683,053 (45.5%) 1.26 442
    2020-11-01 $468,725 (27.4%) $728,509 (55.1%) 1.33 390
    2020-12-01 $473,425 (25.4%) $777,895 (58.2%) 1.36 310
    2021-01-01 $500,000 (26.4%) $770,285 (41.7%) 1.48 258
    2021-02-01 $483,720 (20.3%) $813,353 (41.4%) 1.38 220
    2021-03-01 $466,200 (13.5%) $781,237 (33.7%) 1.31 244
    2021-04-01 $485,150 (21.6%) $768,430 (46.8%) 1.31 250
    2021-05-01 $520,000 (22.2%) $764,640 (32.3%) 1.37 302
    2021-06-01 $493,450 (8.6%) $712,585 (14.0%) 1.30 424
    2021-07-01 $482,500 (4.3%) $654,788 (3.5%) 1.27 457
    2021-08-01 $495,675 (10.9%) $672,428 (5.1%) 1.32 547
    2021-09-01 $495,612 (10.9%) $650,149 (1.5%) 1.32 592
    2021-10-01 $491,900 (7.6%) $625,662 (-8.4%) 1.31 569
    2021-11-01 $491,704 (4.9%) $619,854 (-14.9%) 1.31 501
    2021-12-01 $510,634 (7.9%) $650,869 (-16.3%) 1.37 363
    2022-01-01 $499,950 (0.0%) $636,046 (-17.4%) 1.35 239
    2022-02-01 $534,950 (10.6%) $687,938 (-15.4%) 1.40 247
    2022-03-01 $525,000 (12.6%) $687,296 (-12.0%) 1.32 299
    2022-04-01 $565,000 (16.5%) $709,081 (-7.7%) 1.36 435
    2022-05-01 $580,000 (11.5%) $696,923 (-8.9%) 1.33 719
    2022-06-01 $585,000 (18.6%) $689,209 (-3.3%) 1.30 1,029
    2022-07-01 $562,000 (16.5%) $645,505 (-1.4%) 1.26 1,459
    2022-08-01 $545,450 (10.0%) $637,143 (-5.3%) 1.26 1,660
    2022-09-01 $537,445 (8.4%) $633,227 (-2.6%) 1.25 1,709
    2022-10-01 $529,995 (7.7%) $623,928 (-0.3%) 1.24 1,755
    2022-11-01 $524,745 (6.7%) $616,971 (-0.5%) 1.25 1,686
    2022-12-01 $525,485 (2.9%) $625,772 (-3.9%) 1.30 1,467
    2023-01-01 $544,500 (8.9%) $651,618 (2.5%) 1.35 1,178
    2023-02-01 $553,288 (3.4%) $677,770 (-1.5%) 1.33 1,037
    2023-03-01 $575,000 (9.5%) $679,475 (-1.1%) 1.33 964
    2023-04-01 $599,800 (6.2%) $704,833 (-0.6%) 1.37 877
    2023-05-01 $596,745 (2.9%) $695,223 (-0.2%) 1.33 999
    2023-06-01 $589,950 (0.9%) $700,904 (1.7%) 1.30 1,083
    2023-07-01 $585,000 (4.1%) $721,538 (11.8%) 1.32 1,167
    2023-08-01 $575,000 (5.4%) $715,872 (12.4%) 1.31 1,250
    2023-09-01 $574,945 (7.0%) $698,404 (10.3%) 1.33 1,360
    2023-10-01 $557,248 (5.1%) $694,364 (11.3%) 1.29 1,389
    2023-11-01 $550,000 (4.8%) $692,496 (12.2%) 1.31 1,373
    2023-12-01 $550,000 (4.7%) $693,606 (10.8%) 1.34 1,149
    2024-01-01 $559,947 (2.8%) $703,987 (8.0%) 1.34 1,020
    2024-02-01 $565,000 (2.1%) $708,070 (4.5%) 1.32 882
    2024-03-01 $564,995 (-1.7%) $711,758 (4.8%) 1.29 850
    2024-04-01 $576,000 (-4.0%) $724,595 (2.8%) 1.32 912
    2024-05-01 $589,722 (-1.2%) $745,853 (7.3%) 1.31 1,056
    2024-06-01 $575,000 (-2.5%) $728,427 (3.9%) 1.29 1,237
    2024-07-01 $572,000 (-2.2%) $720,399 (-0.2%) 1.27 1,368
    2024-08-01 $563,950 (-1.9%) $715,680 (0.0%) 1.28 1,406
    2024-09-01 $566,700 (-1.4%) $704,564 (0.9%) 1.29 1,514
    2024-10-01 $544,950 (-2.2%) $693,162 (-0.2%) 1.26 1,557
    2024-11-01 $539,900 (-1.8%) $674,970 (-2.5%) 1.26 1,547
    2024-12-01 $535,000 (-2.7%) $678,764 (-2.1%) 1.30 1,278
    2025-01-01 $525,000 (-6.2%) $671,064 (-4.7%) 0.00 1,234
    Ogden's median listing price for 2025-01-01 was $525,000, a difference of $-34,947 (-6.2%) versus the prior year and $-10,000 versus the prior month.

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

    Ogden's average listing price for 2025-01-01 was $671,064, a difference of $-32,923 (-4.7%) versus the prior year and $-7,700 versus the prior month.

    For the 2025-01-01 period, Ogden had 1,234 MLS listings, a difference of -44 listings (-3%) versus the prior month and 214 listings (21%) 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 2,979 sqft
    2018-02-01 38 days 3,061 sqft
    2018-03-01 33 days 3,178 sqft
    2018-04-01 30 days 3,165 sqft
    2018-05-01 29 days 3,100 sqft
    2018-06-01 32 days 3,106 sqft
    2018-07-01 33 days 3,012 sqft
    2018-08-01 35 days 2,928 sqft
    2018-09-01 35 days 2,879 sqft
    2018-10-01 39 days 2,864 sqft
    2018-11-01 45 days 2,843 sqft
    2018-12-01 53 days 2,891 sqft
    2019-01-01 63 days 2,989 sqft
    2019-02-01 49 days 3,007 sqft
    2019-03-01 41 days 3,088 sqft
    2019-04-01 37 days 3,142 sqft
    2019-05-01 31 days 3,057 sqft
    2019-06-01 32 days 3,024 sqft
    2019-07-01 35 days 2,969 sqft
    2019-08-01 36 days 2,875 sqft
    2019-09-01 37 days 2,776 sqft
    2019-10-01 38 days 2,706 sqft
    2019-11-01 45 days 2,694 sqft
    2019-12-01 55 days 2,756 sqft
    2020-01-01 67 days 2,932 sqft
    2020-02-01 37 days 2,974 sqft
    2020-03-01 24 days 2,948 sqft
    2020-04-01 28 days 2,820 sqft
    2020-05-01 38 days 2,975 sqft
    2020-06-01 30 days 3,049 sqft
    2020-07-01 32 days 2,925 sqft
    2020-08-01 24 days 2,738 sqft
    2020-09-01 23 days 2,695 sqft
    2020-10-01 19 days 2,598 sqft
    2020-11-01 24 days 2,665 sqft
    2020-12-01 32 days 2,485 sqft
    2021-01-01 26 days 2,475 sqft
    2021-02-01 9 days 2,626 sqft
    2021-03-01 3 days 2,417 sqft
    2021-04-01 5 days 2,559 sqft
    2021-05-01 9 days 2,668 sqft
    2021-06-01 9 days 2,432 sqft
    2021-07-01 12 days 2,361 sqft
    2021-08-01 14 days 2,403 sqft
    2021-09-01 18 days 2,408 sqft
    2021-10-01 22 days 2,322 sqft
    2021-11-01 24 days 2,264 sqft
    2021-12-01 37 days 2,395 sqft
    2022-01-01 37 days 2,318 sqft
    2022-02-01 22 days 2,421 sqft
    2022-03-01 22 days 2,253 sqft
    2022-04-01 20 days 2,404 sqft
    2022-05-01 23 days 2,458 sqft
    2022-06-01 25 days 2,528 sqft
    2022-07-01 31 days 2,377 sqft
    2022-08-01 38 days 2,373 sqft
    2022-09-01 44 days 2,375 sqft
    2022-10-01 50 days 2,376 sqft
    2022-11-01 57 days 2,352 sqft
    2022-12-01 66 days 2,384 sqft
    2023-01-01 75 days 2,446 sqft
    2023-02-01 64 days 2,501 sqft
    2023-03-01 50 days 2,573 sqft
    2023-04-01 46 days 2,712 sqft
    2023-05-01 39 days 2,667 sqft
    2023-06-01 39 days 2,669 sqft
    2023-07-01 44 days 2,628 sqft
    2023-08-01 46 days 2,533 sqft
    2023-09-01 47 days 2,536 sqft
    2023-10-01 49 days 2,509 sqft
    2023-11-01 55 days 2,502 sqft
    2023-12-01 67 days 2,456 sqft
    2024-01-01 72 days 2,445 sqft
    2024-02-01 59 days 2,477 sqft
    2024-03-01 46 days 2,459 sqft
    2024-04-01 41 days 2,543 sqft
    2024-05-01 34 days 2,670 sqft
    2024-06-01 38 days 2,506 sqft
    2024-07-01 44 days 2,502 sqft
    2024-08-01 50 days 2,494 sqft
    2024-09-01 51 days 2,460 sqft
    2024-10-01 51 days 2,375 sqft
    2024-11-01 58 days 2,354 sqft
    2024-12-01 66 days 2,317 sqft
    2025-01-01 0 days 2,268 sqft
    Ogden's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Ogden's median square footage for active listings during the 2025-01-01 period was 2,268 sqft. One year prior, the average listing was 2,445 sqft.