Port Angeles USDA Loan Rates, Closing Costs & Stats
Port Angeles, WA
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.
Port Angeles's 4 lenders originated 9 USDA loans during 2023. The total origination value was $2,835,000, with an average USDA loan value of $315,000.
Port Angeles USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Port Angeles
averaged
6.62%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Port Angeles's average USDA mortgage closing costs are $6,823.
The average rate for the prior week (2025-02-07) was
6.38% and
one month ago for the week of 2025-01-10, the
average rate was 6.73%.
The average rate one year ago was 6.62%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.33%.
Port Angeles 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 Port Angeles level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | 4 | 6.03% | $14,726 |
| CARDINAL FINANCIAL | 2 | 6.50% | $9,320 |
| CROSSCOUNTRY MORTGAGE, LLC | 2 | 6.56% | $9,447 |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | 6.25% | $9,791 |
The top Port Angeles USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
4 USDA loans originated. Their average total fees are
$14,726, which is $5,406
higher than the next largest lender,
CARDINAL FINANCIAL.
The lowest fee Port Angeles USDA lenders (with over 10 loans originated) are
.
The lowest rate Port Angeles USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Port Angeles (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 | $315,200 (5.3%) | $369,970 (-3.2%) | 0.00 | 280 |
| 2018-02-01 | $322,125 (4.8%) | $369,366 (-4.4%) | 0.00 | 269 |
| 2018-03-01 | $349,000 (14.8%) | $414,947 (9.8%) | 0.00 | 172 |
| 2018-04-01 | $380,000 (23.0%) | $440,015 (13.4%) | 0.00 | 182 |
| 2018-05-01 | $394,975 (19.8%) | $468,100 (16.2%) | 0.00 | 199 |
| 2018-06-01 | $409,000 (25.1%) | $485,857 (21.1%) | 0.00 | 225 |
| 2018-07-01 | $397,000 (22.2%) | $472,866 (19.9%) | 0.00 | 265 |
| 2018-08-01 | $390,988 (26.1%) | $463,909 (18.1%) | 0.00 | 302 |
| 2018-09-01 | $379,000 (21.8%) | $452,560 (14.5%) | 0.00 | 320 |
| 2018-10-01 | $383,250 (26.0%) | $441,607 (14.7%) | 0.00 | 315 |
| 2018-11-01 | $383,725 (28.3%) | $447,232 (18.9%) | 0.00 | 292 |
| 2018-12-01 | $385,000 (24.2%) | $442,038 (16.2%) | 0.00 | 270 |
| 2019-01-01 | $389,250 (23.5%) | $440,379 (19.0%) | 0.00 | 230 |
| 2019-02-01 | $385,000 (19.5%) | $453,587 (22.8%) | 0.00 | 209 |
| 2019-03-01 | $399,396 (14.4%) | $463,944 (11.8%) | 0.00 | 221 |
| 2019-04-01 | $412,463 (8.5%) | $476,553 (8.3%) | 0.00 | 240 |
| 2019-05-01 | $422,213 (6.9%) | $478,664 (2.3%) | 0.00 | 266 |
| 2019-06-01 | $429,000 (4.9%) | $485,197 (-0.1%) | 0.00 | 286 |
| 2019-07-01 | $429,000 (8.1%) | $489,427 (3.5%) | 0.00 | 304 |
| 2019-08-01 | $427,909 (9.4%) | $488,130 (5.2%) | 0.00 | 307 |
| 2019-09-01 | $426,273 (12.5%) | $485,717 (7.3%) | 0.00 | 306 |
| 2019-10-01 | $419,125 (9.4%) | $484,221 (9.7%) | 0.00 | 306 |
| 2019-11-01 | $429,000 (11.8%) | $497,985 (11.4%) | 0.00 | 257 |
| 2019-12-01 | $429,725 (11.6%) | $512,109 (15.9%) | 0.00 | 208 |
| 2020-01-01 | $424,975 (9.2%) | $502,459 (14.1%) | 0.00 | 195 |
| 2020-02-01 | $416,000 (8.1%) | $490,254 (8.1%) | 0.00 | 181 |
| 2020-03-01 | $408,988 (2.4%) | $491,981 (6.0%) | 0.00 | 199 |
| 2020-04-01 | $403,250 (-2.2%) | $490,474 (2.9%) | 0.00 | 220 |
| 2020-05-01 | $425,000 (0.7%) | $511,641 (6.9%) | 0.00 | 210 |
| 2020-06-01 | $449,125 (4.7%) | $532,420 (9.7%) | 0.00 | 209 |
| 2020-07-01 | $435,925 (1.6%) | $536,194 (9.6%) | 0.00 | 206 |
| 2020-08-01 | $425,000 (-0.7%) | $533,210 (9.2%) | 0.00 | 212 |
| 2020-09-01 | $421,450 (-1.1%) | $606,266 (24.8%) | 0.00 | 187 |
| 2020-10-01 | $410,000 (-2.2%) | $617,920 (27.6%) | 0.00 | 155 |
| 2020-11-01 | $426,000 (-0.7%) | $609,604 (22.4%) | 0.00 | 111 |
| 2020-12-01 | $404,500 (-5.9%) | $622,226 (21.5%) | 0.00 | 79 |
| 2021-01-01 | $409,450 (-3.7%) | $615,114 (22.4%) | 0.00 | 68 |
| 2021-02-01 | $430,963 (3.6%) | $603,455 (23.1%) | 0.00 | 60 |
| 2021-03-01 | $472,750 (15.6%) | $601,176 (22.2%) | 0.00 | 58 |
| 2021-04-01 | $504,700 (25.2%) | $609,791 (24.3%) | 0.00 | 60 |
| 2021-05-01 | $499,950 (17.6%) | $601,001 (17.5%) | 0.00 | 67 |
| 2021-06-01 | $513,750 (14.4%) | $616,855 (15.9%) | 0.00 | 102 |
| 2021-07-01 | $498,450 (14.3%) | $619,392 (15.5%) | 0.00 | 123 |
| 2021-08-01 | $518,250 (21.9%) | $649,460 (21.8%) | 0.00 | 135 |
| 2021-09-01 | $562,475 (33.5%) | $664,671 (9.6%) | 0.00 | 138 |
| 2021-10-01 | $575,000 (40.2%) | $668,235 (8.1%) | 0.00 | 120 |
| 2021-11-01 | $547,175 (28.4%) | $689,411 (13.1%) | 0.00 | 92 |
| 2021-12-01 | $604,625 (49.5%) | $735,241 (18.2%) | 0.00 | 73 |
| 2022-01-01 | $624,900 (52.6%) | $732,012 (19.0%) | 0.00 | 60 |
| 2022-02-01 | $617,438 (43.3%) | $739,861 (22.6%) | 0.00 | 76 |
| 2022-03-01 | $589,375 (24.7%) | $759,892 (26.4%) | 0.00 | 77 |
| 2022-04-01 | $615,000 (21.9%) | $768,247 (26.0%) | 0.00 | 85 |
| 2022-05-01 | $610,975 (22.2%) | $752,479 (25.2%) | 0.00 | 122 |
| 2022-06-01 | $624,500 (21.6%) | $763,570 (23.8%) | 0.00 | 148 |
| 2022-07-01 | $599,000 (20.2%) | $723,087 (16.7%) | 0.00 | 194 |
| 2022-08-01 | $599,000 (15.6%) | $691,111 (6.4%) | 0.00 | 206 |
| 2022-09-01 | $593,500 (5.5%) | $680,958 (2.5%) | 0.00 | 207 |
| 2022-10-01 | $599,000 (4.2%) | $678,240 (1.5%) | 0.00 | 212 |
| 2022-11-01 | $575,000 (5.1%) | $665,759 (-3.4%) | 0.00 | 196 |
| 2022-12-01 | $575,000 (-4.9%) | $690,233 (-6.1%) | 0.00 | 166 |
| 2023-01-01 | $581,500 (-7.0%) | $703,694 (-3.9%) | 0.00 | 147 |
| 2023-02-01 | $597,675 (-3.2%) | $714,432 (-3.4%) | 0.00 | 128 |
| 2023-03-01 | $570,500 (-3.2%) | $696,843 (-8.3%) | 0.00 | 112 |
| 2023-04-01 | $599,000 (-2.6%) | $725,870 (-5.5%) | 0.00 | 128 |
| 2023-05-01 | $627,475 (2.7%) | $752,419 (0.0%) | 0.00 | 151 |
| 2023-06-01 | $645,963 (3.4%) | $778,132 (1.9%) | 0.00 | 167 |
| 2023-07-01 | $649,975 (8.5%) | $787,342 (8.9%) | 0.00 | 178 |
| 2023-08-01 | $649,713 (8.5%) | $797,624 (15.4%) | 0.00 | 172 |
| 2023-09-01 | $635,000 (7.0%) | $776,942 (14.1%) | 0.00 | 190 |
| 2023-10-01 | $629,750 (5.1%) | $774,229 (14.2%) | 0.00 | 182 |
| 2023-11-01 | $613,750 (6.7%) | $767,810 (15.3%) | 0.00 | 173 |
| 2023-12-01 | $585,000 (1.7%) | $737,733 (6.9%) | 0.00 | 162 |
| 2024-01-01 | $598,963 (3.0%) | $762,766 (8.4%) | 0.00 | 139 |
| 2024-02-01 | $586,988 (-1.8%) | $728,330 (2.0%) | 0.00 | 127 |
| 2024-03-01 | $596,500 (4.6%) | $719,621 (3.3%) | 0.00 | 125 |
| 2024-04-01 | $635,000 (6.0%) | $779,497 (7.4%) | 0.00 | 145 |
| 2024-05-01 | $661,625 (5.4%) | $785,047 (4.3%) | 0.00 | 183 |
| 2024-06-01 | $655,000 (1.4%) | $777,406 (-0.1%) | 0.00 | 218 |
| 2024-07-01 | $699,000 (7.5%) | $786,894 (-0.1%) | 0.00 | 229 |
| 2024-08-01 | $680,000 (4.7%) | $779,953 (-2.2%) | 0.00 | 247 |
| 2024-09-01 | $658,750 (3.7%) | $781,793 (0.6%) | 0.00 | 250 |
| 2024-10-01 | $639,500 (1.6%) | $746,909 (-3.5%) | 0.00 | 233 |
| 2024-11-01 | $621,725 (1.3%) | $733,475 (-4.5%) | 0.00 | 215 |
| 2024-12-01 | $574,450 (-1.8%) | $726,203 (-1.6%) | 0.00 | 173 |
| 2025-01-01 | $550,000 (-8.2%) | $715,335 (-6.2%) | 0.00 | 163 |
Port Angeles's median listing price comes in at 0% of the national average.
Port Angeles's average listing price for 2025-01-01 was $715,335, a difference of $-47,431 (-6.2%) versus the prior year and $-10,868 versus the prior month.
For the 2025-01-01 period, Port Angeles had 163 MLS listings, a difference of -10 listings (-6%) versus the prior month and 24 listings (17%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Port Angeles (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,800 sqft |
| 2018-02-01 | 0 days | 1,809 sqft |
| 2018-03-01 | 0 days | 1,923 sqft |
| 2018-04-01 | 0 days | 2,018 sqft |
| 2018-05-01 | 0 days | 1,957 sqft |
| 2018-06-01 | 0 days | 1,994 sqft |
| 2018-07-01 | 0 days | 2,018 sqft |
| 2018-08-01 | 0 days | 1,983 sqft |
| 2018-09-01 | 0 days | 1,960 sqft |
| 2018-10-01 | 0 days | 1,938 sqft |
| 2018-11-01 | 0 days | 1,971 sqft |
| 2018-12-01 | 0 days | 1,968 sqft |
| 2019-01-01 | 0 days | 1,974 sqft |
| 2019-02-01 | 0 days | 1,963 sqft |
| 2019-03-01 | 0 days | 1,973 sqft |
| 2019-04-01 | 0 days | 1,963 sqft |
| 2019-05-01 | 0 days | 1,972 sqft |
| 2019-06-01 | 0 days | 1,988 sqft |
| 2019-07-01 | 0 days | 2,011 sqft |
| 2019-08-01 | 0 days | 2,003 sqft |
| 2019-09-01 | 0 days | 1,995 sqft |
| 2019-10-01 | 0 days | 2,010 sqft |
| 2019-11-01 | 0 days | 2,038 sqft |
| 2019-12-01 | 0 days | 2,048 sqft |
| 2020-01-01 | 0 days | 2,049 sqft |
| 2020-02-01 | 0 days | 2,042 sqft |
| 2020-03-01 | 0 days | 1,955 sqft |
| 2020-04-01 | 0 days | 1,956 sqft |
| 2020-05-01 | 0 days | 2,001 sqft |
| 2020-06-01 | 0 days | 2,041 sqft |
| 2020-07-01 | 0 days | 2,033 sqft |
| 2020-08-01 | 0 days | 2,002 sqft |
| 2020-09-01 | 0 days | 1,952 sqft |
| 2020-10-01 | 0 days | 1,952 sqft |
| 2020-11-01 | 0 days | 1,855 sqft |
| 2020-12-01 | 0 days | 1,792 sqft |
| 2021-01-01 | 0 days | 1,710 sqft |
| 2021-02-01 | 0 days | 1,721 sqft |
| 2021-03-01 | 0 days | 1,749 sqft |
| 2021-04-01 | 0 days | 1,924 sqft |
| 2021-05-01 | 0 days | 2,059 sqft |
| 2021-06-01 | 0 days | 1,917 sqft |
| 2021-07-01 | 0 days | 1,884 sqft |
| 2021-08-01 | 0 days | 1,913 sqft |
| 2021-09-01 | 0 days | 2,008 sqft |
| 2021-10-01 | 0 days | 1,963 sqft |
| 2021-11-01 | 0 days | 1,975 sqft |
| 2021-12-01 | 0 days | 2,031 sqft |
| 2022-01-01 | 0 days | 1,988 sqft |
| 2022-02-01 | 0 days | 1,971 sqft |
| 2022-03-01 | 0 days | 1,884 sqft |
| 2022-04-01 | 0 days | 1,993 sqft |
| 2022-05-01 | 0 days | 2,023 sqft |
| 2022-06-01 | 0 days | 2,038 sqft |
| 2022-07-01 | 0 days | 1,993 sqft |
| 2022-08-01 | 0 days | 1,948 sqft |
| 2022-09-01 | 0 days | 1,895 sqft |
| 2022-10-01 | 0 days | 1,916 sqft |
| 2022-11-01 | 0 days | 1,885 sqft |
| 2022-12-01 | 0 days | 1,928 sqft |
| 2023-01-01 | 0 days | 1,986 sqft |
| 2023-02-01 | 0 days | 1,997 sqft |
| 2023-03-01 | 0 days | 1,889 sqft |
| 2023-04-01 | 0 days | 1,932 sqft |
| 2023-05-01 | 0 days | 2,039 sqft |
| 2023-06-01 | 0 days | 2,078 sqft |
| 2023-07-01 | 0 days | 2,096 sqft |
| 2023-08-01 | 0 days | 2,127 sqft |
| 2023-09-01 | 0 days | 2,163 sqft |
| 2023-10-01 | 0 days | 2,169 sqft |
| 2023-11-01 | 0 days | 2,143 sqft |
| 2023-12-01 | 0 days | 2,129 sqft |
| 2024-01-01 | 0 days | 2,132 sqft |
| 2024-02-01 | 0 days | 2,076 sqft |
| 2024-03-01 | 0 days | 2,000 sqft |
| 2024-04-01 | 0 days | 2,148 sqft |
| 2024-05-01 | 0 days | 2,153 sqft |
| 2024-06-01 | 0 days | 2,160 sqft |
| 2024-07-01 | 0 days | 2,180 sqft |
| 2024-08-01 | 0 days | 2,136 sqft |
| 2024-09-01 | 0 days | 2,146 sqft |
| 2024-10-01 | 0 days | 2,170 sqft |
| 2024-11-01 | 0 days | 2,109 sqft |
| 2024-12-01 | 0 days | 1,947 sqft |
| 2025-01-01 | 0 days | 1,896 sqft |
Port Angeles's median square footage for active listings during the 2025-01-01 period was 1,896 sqft. One year prior, the average listing was 2,132 sqft.