Pottsville USDA Loan Rates, Closing Costs & Stats
Pottsville, PA
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.
Pottsville's 20 lenders originated 45 USDA loans during 2022. The total origination value was $5,585,000, with an average USDA loan value of $124,111.
Pottsville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Pottsville
averaged
-0.27%
for the week of 2023-11-24, compared to the national average (all USDA variants) of
0% for the same period.
Pottsville's average USDA mortgage closing costs are $4,606.
The average rate for the prior week (2023-11-17) was
7.32% and
one month ago for the week of 2023-10-20, the
average rate was 7.54%.
The average rate one year ago was 6.48%.
For refis of the same type during the week of 2023-11-24, the average rate
was -1.18%.
Pottsville 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 Pottsville level.
| Name | # of Loans | 2022 Avg. 30yFix Rate | 2022 Avg. Closing Costs |
|---|---|---|---|
| Mortgage America, Inc. | 10 | 5.66% | $4,968 |
| CROSSCOUNTRY MORTGAGE, LLC | 10 | 5.20% | $5,239 |
| Northpointe Bank | 3 | 3.46% | $4,785 |
| GUILD MORTGAGE COMPANY | 2 | 3.69% | $4,004 |
| T2 FINANCIAL LLC | 2 | 5.56% | $5,642 |
| CHERRY CREEK MORTGAGE, LLC | 2 | 3.75% | $2,637 |
| Fulton Bank | 1 | 4.88% | $5,063 |
| GREENWAY MORTGAGE FUNDING CORP. | 1 | 3.50% | $5,695 |
| GUARANTEED RATE, INC. | 1 | 3.25% | $4,858 |
| Magnolia Bank | 1 | 4.63% | $5,994 |
| MORTGAGE ACCESS CORP. | 1 | 3.75% | $3,322 |
| Paramount Residential Mortgage Group, Inc. | 1 | 6.00% | $7,507 |
| Univest Bank and Trust Co. | 1 | 3.25% | $5,147 |
| ALLIED MORTGAGE GROUP, INC. | 1 | 5.13% | $8,640 |
| Wells Fargo Bank | 1 | 5.63% | $7,873 |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | 6.25% | $4,653 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 4.38% | $3,379 |
| Bank of England | 1 | 4.63% | $3,456 |
| CALIBER HOME LOANS, INC. | 1 | 3.25% | $5,526 |
| Flagstar Bank, FSB | 1 | 4.25% | $5,779 |
The top Pottsville USDA lender as defined by loan originations is Mortgage America, Inc., with
10 USDA loans originated. Their average total fees are
$4,968, which is $270
lower than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee Pottsville USDA lenders (with over 10 loans originated) are
Mortgage America, Inc. ($4,968), CROSSCOUNTRY MORTGAGE, LLC ($5,239), .
The lowest rate Pottsville USDA lenders (with over 10 loans originated) are
CROSSCOUNTRY MORTGAGE, LLC (5.20%), Mortgage America, Inc. (5.66%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Pottsville (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 | $74,575 (-2.5%) | $134,533 (4.9%) | 0.28 | 513 |
| 2018-02-01 | $75,450 (-3.5%) | $138,065 (7.2%) | 0.27 | 528 |
| 2018-03-01 | $79,950 (0.1%) | $140,510 (-3.2%) | 0.28 | 482 |
| 2018-04-01 | $75,225 (-5.9%) | $143,668 (-5.6%) | 0.26 | 491 |
| 2018-05-01 | $79,900 (1.7%) | $144,469 (-0.4%) | 0.27 | 491 |
| 2018-06-01 | $75,000 (-3.2%) | $143,664 (3.6%) | 0.25 | 522 |
| 2018-07-01 | $78,750 (-0.3%) | $144,092 (7.0%) | 0.26 | 526 |
| 2018-08-01 | $75,500 (-0.3%) | $142,612 (8.0%) | 0.25 | 524 |
| 2018-09-01 | $78,000 (8.4%) | $143,699 (11.4%) | 0.26 | 547 |
| 2018-10-01 | $77,425 (3.9%) | $145,384 (8.8%) | 0.26 | 550 |
| 2018-11-01 | $80,000 (12.8%) | $147,731 (12.5%) | 0.27 | 531 |
| 2018-12-01 | $79,900 (14.2%) | $147,561 (10.7%) | 0.28 | 493 |
| 2019-01-01 | $80,975 (8.6%) | $148,411 (10.3%) | 0.28 | 454 |
| 2019-02-01 | $79,850 (5.8%) | $146,978 (6.5%) | 0.27 | 432 |
| 2019-03-01 | $80,529 (0.7%) | $155,024 (10.3%) | 0.26 | 435 |
| 2019-04-01 | $81,379 (8.2%) | $163,582 (13.9%) | 0.26 | 460 |
| 2019-05-01 | $80,000 (0.1%) | $163,374 (13.1%) | 0.25 | 478 |
| 2019-06-01 | $85,000 (13.3%) | $161,432 (12.4%) | 0.27 | 506 |
| 2019-07-01 | $86,925 (10.4%) | $165,227 (14.7%) | 0.27 | 517 |
| 2019-08-01 | $88,782 (17.6%) | $170,232 (19.4%) | 0.28 | 489 |
| 2019-09-01 | $94,530 (21.2%) | $179,358 (24.8%) | 0.30 | 451 |
| 2019-10-01 | $99,000 (27.9%) | $188,438 (29.6%) | 0.32 | 417 |
| 2019-11-01 | $103,700 (29.6%) | $191,577 (29.7%) | 0.34 | 378 |
| 2019-12-01 | $112,450 (40.7%) | $185,778 (25.9%) | 0.38 | 367 |
| 2020-01-01 | $119,400 (47.5%) | $185,704 (25.1%) | 0.40 | 321 |
| 2020-02-01 | $109,900 (37.6%) | $183,478 (24.8%) | 0.36 | 285 |
| 2020-03-01 | $122,825 (52.5%) | $188,941 (21.9%) | 0.39 | 276 |
| 2020-04-01 | $122,850 (51.0%) | $197,763 (20.9%) | 0.38 | 251 |
| 2020-05-01 | $125,000 (56.3%) | $198,820 (21.7%) | 0.38 | 260 |
| 2020-06-01 | $119,900 (41.1%) | $202,790 (25.6%) | 0.35 | 248 |
| 2020-07-01 | $123,425 (42.0%) | $208,501 (26.2%) | 0.36 | 220 |
| 2020-08-01 | $125,000 (40.8%) | $215,574 (26.6%) | 0.36 | 191 |
| 2020-09-01 | $121,575 (28.6%) | $234,085 (30.5%) | 0.35 | 182 |
| 2020-10-01 | $136,250 (37.6%) | $247,828 (31.5%) | 0.39 | 181 |
| 2020-11-01 | $129,450 (24.8%) | $250,897 (31.0%) | 0.38 | 176 |
| 2020-12-01 | $122,250 (8.7%) | $254,730 (37.1%) | 0.36 | 161 |
| 2021-01-01 | $119,000 (-0.3%) | $256,543 (38.2%) | 0.36 | 145 |
| 2021-02-01 | $119,000 (8.3%) | $247,030 (34.6%) | 0.35 | 105 |
| 2021-03-01 | $120,725 (-1.7%) | $243,171 (28.7%) | 0.34 | 100 |
| 2021-04-01 | $134,250 (9.3%) | $277,622 (40.4%) | 0.36 | 93 |
| 2021-05-01 | $143,900 (15.1%) | $273,350 (37.5%) | 0.38 | 93 |
| 2021-06-01 | $104,750 (-12.6%) | $224,426 (10.7%) | 0.28 | 159 |
| 2021-07-01 | $118,725 (-3.8%) | $218,806 (4.9%) | 0.31 | 170 |
| 2021-08-01 | $119,999 (-4.0%) | $186,170 (-13.6%) | 0.32 | 183 |
| 2021-09-01 | $119,100 (-2.0%) | $182,692 (-22.0%) | 0.32 | 188 |
| 2021-10-01 | $105,000 (-22.9%) | $182,646 (-26.3%) | 0.28 | 180 |
| 2021-11-01 | $95,975 (-25.9%) | $169,203 (-32.6%) | 0.26 | 184 |
| 2021-12-01 | $107,975 (-11.7%) | $169,846 (-33.3%) | 0.29 | 181 |
| 2022-01-01 | $99,500 (-16.4%) | $163,962 (-36.1%) | 0.27 | 165 |
| 2022-02-01 | $106,475 (-10.5%) | $164,011 (-33.6%) | 0.28 | 169 |
| 2022-03-01 | $127,200 (5.4%) | $167,921 (-31.0%) | 0.32 | 160 |
| 2022-04-01 | $129,900 (-3.2%) | $170,938 (-38.4%) | 0.31 | 155 |
| 2022-05-01 | $136,000 (-5.5%) | $174,718 (-36.1%) | 0.31 | 165 |
| 2022-06-01 | $137,225 (31.0%) | $188,615 (-16.0%) | 0.31 | 205 |
| 2022-07-01 | $129,900 (9.4%) | $185,723 (-15.1%) | 0.29 | 243 |
| 2022-08-01 | $134,925 (12.4%) | $181,927 (-2.3%) | 0.31 | 255 |
| 2022-09-01 | $129,950 (9.1%) | $180,435 (-1.2%) | 0.30 | 240 |
| 2022-10-01 | $129,900 (23.7%) | $179,792 (-1.6%) | 0.31 | 244 |
| 2022-11-01 | $124,400 (29.6%) | $180,684 (6.8%) | 0.30 | 235 |
| 2022-12-01 | $125,000 (15.8%) | $191,729 (12.9%) | 0.31 | 215 |
| 2023-01-01 | $125,000 (25.6%) | $192,928 (17.7%) | 0.31 | 202 |
| 2023-02-01 | $124,975 (17.4%) | $195,395 (19.1%) | 0.30 | 192 |
| 2023-03-01 | $127,225 (0.0%) | $197,174 (17.4%) | 0.30 | 169 |
| 2023-04-01 | $121,500 (-6.5%) | $188,122 (10.1%) | 0.28 | 156 |
| 2023-05-01 | $125,000 (-8.1%) | $188,309 (7.8%) | 0.28 | 159 |
| 2023-06-01 | $115,000 (-16.2%) | $181,827 (-3.6%) | 0.26 | 176 |
| 2023-07-01 | $125,450 (-3.4%) | $196,449 (5.8%) | 0.29 | 182 |
| 2023-08-01 | $124,925 (-7.4%) | $187,202 (2.9%) | 0.29 | 200 |
| 2023-09-01 | $120,000 (-7.7%) | $183,624 (1.8%) | 0.28 | 219 |
| 2023-10-01 | $119,950 (-7.7%) | $181,789 (1.1%) | 0.28 | 239 |
Pottsville's median listing price comes in at 28% of the national average.
Pottsville's average listing price for 2023-10-01 was $181,789, a difference of $1,997 (1.1%) versus the prior year and $-1,835 versus the prior month.
For the 2023-10-01 period, Pottsville had 239 MLS listings, a difference of 20 listings (9%) versus the prior month and -5 listings (-2%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Pottsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 107 days | 1,556 sqft |
| 2018-02-01 | 105 days | 1,592 sqft |
| 2018-03-01 | 99 days | 1,604 sqft |
| 2018-04-01 | 90 days | 1,596 sqft |
| 2018-05-01 | 84 days | 1,598 sqft |
| 2018-06-01 | 65 days | 1,666 sqft |
| 2018-07-01 | 64 days | 1,639 sqft |
| 2018-08-01 | 70 days | 1,627 sqft |
| 2018-09-01 | 74 days | 1,627 sqft |
| 2018-10-01 | 76 days | 1,650 sqft |
| 2018-11-01 | 80 days | 1,642 sqft |
| 2018-12-01 | 92 days | 1,664 sqft |
| 2019-01-01 | 101 days | 1,666 sqft |
| 2019-02-01 | 104 days | 1,658 sqft |
| 2019-03-01 | 90 days | 1,663 sqft |
| 2019-04-01 | 67 days | 1,682 sqft |
| 2019-05-01 | 63 days | 1,674 sqft |
| 2019-06-01 | 68 days | 1,680 sqft |
| 2019-07-01 | 73 days | 1,690 sqft |
| 2019-08-01 | 71 days | 1,686 sqft |
| 2019-09-01 | 68 days | 1,690 sqft |
| 2019-10-01 | 67 days | 1,694 sqft |
| 2019-11-01 | 69 days | 1,725 sqft |
| 2019-12-01 | 87 days | 1,710 sqft |
| 2020-01-01 | 93 days | 1,701 sqft |
| 2020-02-01 | 101 days | 1,700 sqft |
| 2020-03-01 | 74 days | 1,799 sqft |
| 2020-04-01 | 79 days | 1,808 sqft |
| 2020-05-01 | 82 days | 1,824 sqft |
| 2020-06-01 | 55 days | 1,772 sqft |
| 2020-07-01 | 43 days | 1,757 sqft |
| 2020-08-01 | 51 days | 1,718 sqft |
| 2020-09-01 | 41 days | 1,703 sqft |
| 2020-10-01 | 44 days | 1,768 sqft |
| 2020-11-01 | 47 days | 1,672 sqft |
| 2020-12-01 | 61 days | 1,640 sqft |
| 2021-01-01 | 71 days | 1,632 sqft |
| 2021-02-01 | 66 days | 1,627 sqft |
| 2021-03-01 | 52 days | 1,578 sqft |
| 2021-04-01 | 25 days | 1,650 sqft |
| 2021-05-01 | 24 days | 1,610 sqft |
| 2021-06-01 | 18 days | 1,632 sqft |
| 2021-07-01 | 25 days | 1,624 sqft |
| 2021-08-01 | 29 days | 1,631 sqft |
| 2021-09-01 | 36 days | 1,610 sqft |
| 2021-10-01 | 43 days | 1,583 sqft |
| 2021-11-01 | 39 days | 1,521 sqft |
| 2021-12-01 | 44 days | 1,532 sqft |
| 2022-01-01 | 48 days | 1,544 sqft |
| 2022-02-01 | 47 days | 1,563 sqft |
| 2022-03-01 | 47 days | 1,596 sqft |
| 2022-04-01 | 41 days | 1,600 sqft |
| 2022-05-01 | 33 days | 1,696 sqft |
| 2022-06-01 | 29 days | 1,676 sqft |
| 2022-07-01 | 30 days | 1,680 sqft |
| 2022-08-01 | 40 days | 1,638 sqft |
| 2022-09-01 | 45 days | 1,676 sqft |
| 2022-10-01 | 49 days | 1,638 sqft |
| 2022-11-01 | 55 days | 1,679 sqft |
| 2022-12-01 | 65 days | 1,688 sqft |
| 2023-01-01 | 67 days | 1,673 sqft |
| 2023-02-01 | 63 days | 1,665 sqft |
| 2023-03-01 | 55 days | 1,667 sqft |
| 2023-04-01 | 45 days | 1,588 sqft |
| 2023-05-01 | 32 days | 1,607 sqft |
| 2023-06-01 | 33 days | 1,574 sqft |
| 2023-07-01 | 41 days | 1,600 sqft |
| 2023-08-01 | 38 days | 1,536 sqft |
| 2023-09-01 | 38 days | 1,552 sqft |
| 2023-10-01 | 40 days | 1,614 sqft |
Pottsville's median square footage for active listings during the 2023-10-01 period was 1,614 sqft. One year prior, the average listing was 1,638 sqft.