Ogden USDA Loan Rates, Closing Costs & Stats
OGDEN-CLEARFIELD, UT
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
6.49%
for the week of 2024-04-12, compared to the national average (all USDA variants) of
6.705% for the same period.
Ogden's average USDA mortgage closing costs are $6,651.
The average rate for the prior week (2024-04-05) was
6.52% and
one month ago for the week of 2024-03-08, the
average rate was 6.38%.
The average rate one year ago was 5.98%.
For refis of the same type during the week of 2024-04-12, the average rate
was 6.56%.
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 |
Ogden's median listing price comes in at 129% of the national average.
Ogden's average listing price for 2024-03-01 was $690,158, a difference of $26,420 (4.0%) versus the prior year and $3,836 versus the prior month.
For the 2024-03-01 period, Ogden had 980 MLS listings, a difference of -29 listings (-3%) versus the prior month and -142 listings (-13%) 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 |
Ogden's median square footage for active listings during the 2024-03-01 period was 2,479 sqft. One year prior, the average listing was 2,627 sqft.