Poplar Bluff USDA Loan Rates, Closing Costs & Stats

Poplar Bluff, MO

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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.

    Poplar Bluff's 10 lenders originated 78 USDA loans during 2023. The total origination value was $9,870,000, with an average USDA loan value of $126,538.

    Poplar Bluff USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Poplar Bluff averaged 6.3% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Poplar Bluff's average USDA mortgage closing costs are $4,944.

    The average rate for the prior week (2024-12-06) was 6.63% and one month ago for the week of 2024-11-08, the average rate was 6.65%.

    The average rate one year ago was 6.82%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.2%.

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

    Poplar Bluff 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 Poplar Bluff level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Flanagan State Bank 33 6.53% $6,375
    DAS Acquisition Company, LLC 29 6.98% $6,254
    Southern Bank 4 6.69% $3,650
    PLANET HOME LENDING, LLC 3 6.29% $5,048
    Members Mortgage Services, L.L.C. 2 6.69% $4,879
    FLAT BRANCH MORTGAGE, INC. 2 7.00% $4,451
    GSF Mortgage Corporation 1 6.50% $4,057
    GERSHMAN INVESTMENT CORP. 1 7.25% $4,083
    BROKER SOLUTIONS, INC. 1 5.75% $11,678
    Mortgage Research Center, LLC 1 4.99% $3,177

    The top Poplar Bluff USDA lender as defined by loan originations is Flanagan State Bank, with 33 USDA loans originated. Their average total fees are $6,375, which is $121 higher than the next largest lender, DAS Acquisition Company, LLC.

    The lowest fee Poplar Bluff USDA lenders (with over 10 loans originated) are DAS Acquisition Company, LLC ($6,254), Flanagan State Bank ($6,375), .

    The lowest rate Poplar Bluff USDA lenders (with over 10 loans originated) are Flanagan State Bank (6.53%), DAS Acquisition Company, LLC (6.98%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Poplar Bluff (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 $125,725 (17.0%) $164,225 (12.9%) 0.00 336
    2018-02-01 $120,950 (14.4%) $160,091 (11.8%) 0.00 384
    2018-03-01 $119,900 (20.0%) $156,748 (12.1%) 0.00 405
    2018-04-01 $124,900 (25.0%) $159,309 (14.5%) 0.00 412
    2018-05-01 $127,500 (25.0%) $161,896 (21.7%) 0.00 405
    2018-06-01 $124,900 (10.5%) $157,963 (10.2%) 0.00 451
    2018-07-01 $119,850 (2.9%) $154,717 (5.6%) 0.00 458
    2018-08-01 $119,900 (0.3%) $156,702 (4.8%) 0.00 451
    2018-09-01 $119,900 (0.2%) $157,529 (4.5%) 0.00 443
    2018-10-01 $119,900 (-0.5%) $159,783 (2.8%) 0.00 443
    2018-11-01 $118,425 (-2.5%) $161,894 (2.3%) 0.00 431
    2018-12-01 $118,000 (-8.5%) $162,070 (-0.7%) 0.00 409
    2019-01-01 $118,850 (-5.5%) $160,100 (-2.5%) 0.00 391
    2019-02-01 $119,400 (-1.3%) $156,523 (-2.2%) 0.00 400
    2019-03-01 $119,943 (0.0%) $155,172 (-1.0%) 0.00 393
    2019-04-01 $121,450 (-2.8%) $154,048 (-3.3%) 0.00 371
    2019-05-01 $122,475 (-3.9%) $152,770 (-5.6%) 0.00 363
    2019-06-01 $126,900 (1.6%) $152,061 (-3.7%) 0.00 370
    2019-07-01 $121,400 (1.3%) $150,607 (-2.7%) 0.00 364
    2019-08-01 $122,655 (2.3%) $150,608 (-3.9%) 0.00 356
    2019-09-01 $122,286 (2.0%) $150,678 (-4.4%) 0.00 343
    2019-10-01 $123,291 (2.8%) $150,724 (-5.7%) 0.00 332
    2019-11-01 $119,950 (1.3%) $149,816 (-7.5%) 0.00 317
    2019-12-01 $119,175 (1.0%) $141,064 (-13.0%) 0.00 301
    2020-01-01 $119,900 (0.9%) $142,781 (-10.8%) 0.00 274
    2020-02-01 $119,900 (0.4%) $141,207 (-9.8%) 0.00 263
    2020-03-01 $119,900 (0.0%) $144,105 (-7.1%) 0.00 269
    2020-04-01 $119,075 (-2.0%) $140,463 (-8.8%) 0.00 261
    2020-05-01 $114,950 (-6.1%) $143,504 (-6.1%) 0.00 233
    2020-06-01 $114,300 (-9.9%) $150,065 (-1.3%) 0.00 225
    2020-07-01 $119,450 (-1.6%) $157,393 (4.5%) 0.00 198
    2020-08-01 $124,950 (1.9%) $156,834 (4.1%) 0.00 182
    2020-09-01 $118,700 (-2.9%) $147,952 (-1.8%) 0.00 188
    2020-10-01 $106,750 (-13.4%) $136,588 (-9.4%) 0.00 190
    2020-11-01 $99,900 (-16.7%) $134,350 (-10.3%) 0.00 191
    2020-12-01 $99,900 (-16.2%) $133,744 (-5.2%) 0.00 188
    2021-01-01 $99,500 (-17.0%) $143,266 (0.3%) 0.00 150
    2021-02-01 $99,900 (-16.7%) $163,202 (15.6%) 0.00 133
    2021-03-01 $99,900 (-16.7%) $175,532 (21.8%) 0.00 127
    2021-04-01 $108,700 (-8.7%) $193,865 (38.0%) 0.00 108
    2021-05-01 $121,200 (5.4%) $210,910 (47.0%) 0.00 93
    2021-06-01 $123,700 (8.2%) $214,494 (42.9%) 0.00 95
    2021-07-01 $111,000 (-7.1%) $210,868 (34.0%) 0.00 116
    2021-08-01 $124,200 (-0.6%) $197,429 (25.9%) 0.00 124
    2021-09-01 $132,286 (11.5%) $193,287 (30.6%) 0.00 126
    2021-10-01 $124,950 (17.1%) $201,175 (47.3%) 0.00 122
    2021-11-01 $132,200 (32.3%) $189,697 (41.2%) 0.00 138
    2021-12-01 $134,950 (35.1%) $189,599 (41.8%) 0.00 142
    2022-01-01 $129,900 (30.6%) $180,232 (25.8%) 0.00 136
    2022-02-01 $131,825 (32.0%) $187,096 (14.6%) 0.00 109
    2022-03-01 $135,000 (35.1%) $189,991 (8.2%) 0.00 94
    2022-04-01 $145,900 (34.2%) $193,778 (0.0%) 0.00 84
    2022-05-01 $157,775 (30.2%) $198,935 (-5.7%) 0.00 107
    2022-06-01 $168,175 (36.0%) $201,151 (-6.2%) 0.00 115
    2022-07-01 $167,900 (51.3%) $196,880 (-6.6%) 0.00 130
    2022-08-01 $166,700 (34.2%) $206,865 (4.8%) 0.00 138
    2022-09-01 $169,800 (28.4%) $225,987 (16.9%) 0.00 153
    2022-10-01 $169,900 (36.0%) $216,370 (7.6%) 0.00 158
    2022-11-01 $172,325 (30.4%) $222,937 (17.5%) 0.00 154
    2022-12-01 $172,450 (27.8%) $217,913 (14.9%) 0.00 145
    2023-01-01 $179,925 (38.5%) $243,496 (35.1%) 0.00 133
    2023-02-01 $177,400 (34.6%) $237,321 (26.8%) 0.00 116
    2023-03-01 $174,950 (29.6%) $247,066 (30.0%) 0.00 120
    2023-04-01 $179,350 (22.9%) $249,537 (28.8%) 0.00 116
    2023-05-01 $177,350 (12.4%) $258,900 (30.1%) 0.00 125
    2023-06-01 $169,800 (1.0%) $251,164 (24.9%) 0.00 140
    2023-07-01 $169,900 (1.2%) $260,053 (32.1%) 0.00 159
    2023-08-01 $169,900 (1.9%) $254,904 (23.2%) 0.00 153
    2023-09-01 $168,000 (-1.1%) $247,208 (9.4%) 0.00 151
    2023-10-01 $185,475 (9.2%) $259,271 (19.8%) 0.00 168
    2023-11-01 $179,950 (4.4%) $248,585 (11.5%) 0.00 176
    2023-12-01 $165,000 (-4.3%) $229,324 (5.2%) 0.00 200
    2024-01-01 $179,925 (0.0%) $233,073 (-4.3%) 0.00 196
    2024-02-01 $189,900 (7.1%) $243,929 (2.8%) 0.00 190
    2024-03-01 $189,900 (8.6%) $244,202 (-1.2%) 0.00 184
    2024-04-01 $199,075 (11.0%) $249,190 (-0.1%) 0.00 181
    2024-05-01 $189,900 (7.1%) $239,169 (-7.6%) 0.00 194
    2024-06-01 $199,900 (17.7%) $241,811 (-3.7%) 0.00 194
    2024-07-01 $198,950 (17.1%) $243,379 (-6.4%) 0.00 204
    2024-08-01 $199,900 (17.7%) $244,798 (-4.0%) 0.00 201
    2024-09-01 $189,900 (13.0%) $243,766 (-1.4%) 0.00 207
    2024-10-01 $189,900 (2.4%) $239,656 (-7.6%) 0.00 217
    2024-11-01 $195,000 (8.4%) $245,903 (-1.1%) 0.00 233
    Poplar Bluff's median listing price for 2024-11-01 was $195,000, a difference of $15,050 (8.4%) versus the prior year and $5,100 versus the prior month.

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

    Poplar Bluff's average listing price for 2024-11-01 was $245,903, a difference of $-2,682 (-1.1%) versus the prior year and $6,247 versus the prior month.

    For the 2024-11-01 period, Poplar Bluff had 233 MLS listings, a difference of 16 listings (7%) versus the prior month and 57 listings (32%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Poplar Bluff (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,697 sqft
    2018-02-01 0 days 1,672 sqft
    2018-03-01 0 days 1,626 sqft
    2018-04-01 0 days 1,646 sqft
    2018-05-01 0 days 1,645 sqft
    2018-06-01 0 days 1,650 sqft
    2018-07-01 0 days 1,652 sqft
    2018-08-01 0 days 1,670 sqft
    2018-09-01 0 days 1,650 sqft
    2018-10-01 0 days 1,629 sqft
    2018-11-01 0 days 1,602 sqft
    2018-12-01 0 days 1,600 sqft
    2019-01-01 0 days 1,599 sqft
    2019-02-01 0 days 1,572 sqft
    2019-03-01 0 days 1,568 sqft
    2019-04-01 0 days 1,568 sqft
    2019-05-01 0 days 1,595 sqft
    2019-06-01 0 days 1,600 sqft
    2019-07-01 0 days 1,600 sqft
    2019-08-01 0 days 1,602 sqft
    2019-09-01 0 days 1,605 sqft
    2019-10-01 0 days 1,608 sqft
    2019-11-01 0 days 1,606 sqft
    2019-12-01 0 days 1,601 sqft
    2020-01-01 0 days 1,608 sqft
    2020-02-01 0 days 1,605 sqft
    2020-03-01 0 days 1,600 sqft
    2020-04-01 0 days 1,582 sqft
    2020-05-01 0 days 1,541 sqft
    2020-06-01 0 days 1,570 sqft
    2020-07-01 0 days 1,632 sqft
    2020-08-01 0 days 1,637 sqft
    2020-09-01 0 days 1,540 sqft
    2020-10-01 0 days 1,560 sqft
    2020-11-01 0 days 1,542 sqft
    2020-12-01 0 days 1,466 sqft
    2021-01-01 0 days 1,433 sqft
    2021-02-01 0 days 1,403 sqft
    2021-03-01 0 days 1,357 sqft
    2021-04-01 0 days 1,385 sqft
    2021-05-01 0 days 1,500 sqft
    2021-06-01 0 days 1,462 sqft
    2021-07-01 0 days 1,380 sqft
    2021-08-01 0 days 1,399 sqft
    2021-09-01 0 days 1,422 sqft
    2021-10-01 0 days 1,400 sqft
    2021-11-01 0 days 1,476 sqft
    2021-12-01 0 days 1,499 sqft
    2022-01-01 0 days 1,421 sqft
    2022-02-01 0 days 1,561 sqft
    2022-03-01 0 days 1,513 sqft
    2022-04-01 0 days 1,556 sqft
    2022-05-01 0 days 1,572 sqft
    2022-06-01 0 days 1,671 sqft
    2022-07-01 0 days 1,650 sqft
    2022-08-01 0 days 1,703 sqft
    2022-09-01 0 days 1,694 sqft
    2022-10-01 0 days 1,648 sqft
    2022-11-01 0 days 1,660 sqft
    2022-12-01 0 days 1,619 sqft
    2023-01-01 0 days 1,584 sqft
    2023-02-01 0 days 1,542 sqft
    2023-03-01 0 days 1,532 sqft
    2023-04-01 0 days 1,571 sqft
    2023-05-01 0 days 1,537 sqft
    2023-06-01 0 days 1,526 sqft
    2023-07-01 0 days 1,523 sqft
    2023-08-01 0 days 1,541 sqft
    2023-09-01 0 days 1,496 sqft
    2023-10-01 0 days 1,676 sqft
    2023-11-01 0 days 1,627 sqft
    2023-12-01 0 days 1,512 sqft
    2024-01-01 0 days 1,549 sqft
    2024-02-01 0 days 1,664 sqft
    2024-03-01 0 days 1,667 sqft
    2024-04-01 0 days 1,645 sqft
    2024-05-01 0 days 1,555 sqft
    2024-06-01 0 days 1,652 sqft
    2024-07-01 0 days 1,689 sqft
    2024-08-01 0 days 1,652 sqft
    2024-09-01 0 days 1,614 sqft
    2024-10-01 0 days 1,678 sqft
    2024-11-01 0 days 1,670 sqft
    Poplar Bluff's median listing age (time on market) for 2024-11-01 was 0 days.

    Poplar Bluff's median square footage for active listings during the 2024-11-01 period was 1,670 sqft. One year prior, the average listing was 1,627 sqft.