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 13 lenders originated 31 USDA loans during 2023. The total origination value was $4,215,000, with an average USDA loan value of $135,968.
Pottsville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Pottsville
averaged
7.2%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Pottsville's average USDA mortgage closing costs are $4,801.
The average rate for the prior week (2024-04-12) was
7.05% and
one month ago for the week of 2024-03-15, the
average rate was 6.84%.
The average rate one year ago was 6.27%.
For refis of the same type during the week of 2024-04-19, the average rate
was 7.59%.
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 | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| Mortgage America, Inc. | 10 | 6.45% | $5,490 |
| CROSSCOUNTRY MORTGAGE, LLC | 4 | 7.34% | $7,094 |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | 6.47% | $10,173 |
| CONTOUR MORTGAGE CORPORATION | 2 | 6.63% | $5,955 |
| Northpointe Bank | 2 | 6.00% | $5,374 |
| UNION HOME MORTGAGE CORP. | 2 | 6.88% | $7,322 |
| T2 FINANCIAL LLC | 1 | 6.75% | $4,479 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.63% | $7,648 |
| Barrington Bank & Trust Company, N.A. | 1 | 6.75% | $4,830 |
| BROKER SOLUTIONS, INC. | 1 | 7.13% | $7,520 |
| Customers Bank | 1 | 6.38% | $5,714 |
| Fulton Bank | 1 | 6.63% | $4,973 |
| LOANDEPOT.COM, LLC | 1 | 6.25% | $14,350 |
The top Pottsville USDA lender as defined by loan originations is Mortgage America, Inc., with
10 USDA loans originated. Their average total fees are
$5,490, which is $1,604
lower than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee Pottsville USDA lenders (with over 10 loans originated) are
Mortgage America, Inc. ($5,490), .
The lowest rate Pottsville USDA lenders (with over 10 loans originated) are
Mortgage America, Inc. (6.45%), .
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 | $73,850 (-2.8%) | $127,827 (4.7%) | 0.27 | 510 |
| 2018-02-01 | $74,950 (-3.3%) | $130,588 (6.4%) | 0.27 | 524 |
| 2018-03-01 | $79,900 (1.1%) | $133,275 (-2.5%) | 0.28 | 479 |
| 2018-04-01 | $75,000 (-6.1%) | $136,369 (-3.3%) | 0.25 | 488 |
| 2018-05-01 | $78,700 (1.7%) | $137,171 (-1.0%) | 0.26 | 488 |
| 2018-06-01 | $75,000 (-2.7%) | $136,905 (3.9%) | 0.25 | 519 |
| 2018-07-01 | $77,700 (-1.7%) | $138,096 (7.7%) | 0.26 | 524 |
| 2018-08-01 | $75,000 (0.0%) | $136,844 (9.4%) | 0.25 | 522 |
| 2018-09-01 | $77,950 (11.5%) | $139,610 (12.2%) | 0.26 | 546 |
| 2018-10-01 | $77,400 (7.2%) | $139,626 (10.3%) | 0.26 | 548 |
| 2018-11-01 | $79,488 (13.6%) | $138,321 (11.2%) | 0.27 | 527 |
| 2018-12-01 | $78,250 (12.0%) | $137,139 (9.6%) | 0.27 | 489 |
| 2019-01-01 | $80,250 (8.7%) | $138,914 (8.7%) | 0.28 | 450 |
| 2019-02-01 | $77,375 (3.2%) | $137,646 (5.4%) | 0.26 | 428 |
| 2019-03-01 | $77,857 (-2.6%) | $143,943 (8.0%) | 0.25 | 429 |
| 2019-04-01 | $79,732 (6.3%) | $151,662 (11.2%) | 0.25 | 452 |
| 2019-05-01 | $79,600 (1.1%) | $151,827 (10.7%) | 0.25 | 469 |
| 2019-06-01 | $84,500 (12.7%) | $150,203 (9.7%) | 0.26 | 496 |
| 2019-07-01 | $84,850 (9.2%) | $154,449 (11.8%) | 0.27 | 510 |
| 2019-08-01 | $87,636 (16.9%) | $160,057 (17.0%) | 0.28 | 482 |
| 2019-09-01 | $93,466 (19.9%) | $168,449 (20.7%) | 0.30 | 444 |
| 2019-10-01 | $98,000 (26.6%) | $175,704 (25.8%) | 0.32 | 410 |
| 2019-11-01 | $99,900 (25.7%) | $174,309 (26.0%) | 0.33 | 371 |
| 2019-12-01 | $105,950 (35.4%) | $167,180 (21.9%) | 0.35 | 359 |
| 2020-01-01 | $111,225 (38.6%) | $165,069 (18.8%) | 0.37 | 312 |
| 2020-02-01 | $109,000 (40.9%) | $162,282 (17.9%) | 0.36 | 277 |
| 2020-03-01 | $120,325 (54.6%) | $166,636 (15.8%) | 0.38 | 268 |
| 2020-04-01 | $116,450 (46.1%) | $169,578 (11.8%) | 0.36 | 243 |
| 2020-05-01 | $119,900 (50.6%) | $171,686 (13.1%) | 0.36 | 252 |
| 2020-06-01 | $114,450 (35.4%) | $183,311 (22.0%) | 0.34 | 242 |
| 2020-07-01 | $114,450 (34.9%) | $188,618 (22.1%) | 0.33 | 214 |
| 2020-08-01 | $119,900 (36.8%) | $193,956 (21.2%) | 0.34 | 185 |
| 2020-09-01 | $117,425 (25.6%) | $209,713 (24.5%) | 0.34 | 176 |
| 2020-10-01 | $129,950 (32.6%) | $226,196 (28.7%) | 0.37 | 176 |
| 2020-11-01 | $125,750 (25.9%) | $237,746 (36.4%) | 0.37 | 173 |
| 2020-12-01 | $119,950 (13.2%) | $245,447 (46.8%) | 0.36 | 159 |
| 2021-01-01 | $118,500 (6.5%) | $247,040 (49.7%) | 0.35 | 144 |
| 2021-02-01 | $118,250 (8.5%) | $239,400 (47.5%) | 0.34 | 104 |
| 2021-03-01 | $117,225 (-2.6%) | $235,375 (41.3%) | 0.33 | 99 |
| 2021-04-01 | $132,000 (13.4%) | $269,890 (59.2%) | 0.36 | 92 |
| 2021-05-01 | $131,950 (10.1%) | $265,695 (54.8%) | 0.35 | 92 |
| 2021-06-01 | $102,500 (-10.4%) | $219,289 (19.6%) | 0.27 | 158 |
| 2021-07-01 | $117,450 (2.6%) | $213,856 (13.4%) | 0.31 | 169 |
| 2021-08-01 | $119,974 (0.1%) | $181,695 (-6.3%) | 0.32 | 182 |
| 2021-09-01 | $118,700 (1.1%) | $177,551 (-15.3%) | 0.32 | 187 |
| 2021-10-01 | $102,000 (-21.5%) | $178,278 (-21.2%) | 0.27 | 179 |
| 2021-11-01 | $95,975 (-23.7%) | $166,942 (-29.8%) | 0.26 | 184 |
| 2021-12-01 | $107,975 (-10.0%) | $169,846 (-30.8%) | 0.29 | 181 |
| 2022-01-01 | $99,500 (-16.0%) | $163,962 (-33.6%) | 0.27 | 165 |
| 2022-02-01 | $102,425 (-13.4%) | $162,803 (-32.0%) | 0.27 | 168 |
| 2022-03-01 | $125,325 (6.9%) | $166,674 (-29.2%) | 0.31 | 159 |
| 2022-04-01 | $129,900 (-1.6%) | $170,938 (-36.7%) | 0.31 | 155 |
| 2022-05-01 | $136,000 (3.1%) | $174,718 (-34.2%) | 0.31 | 165 |
| 2022-06-01 | $137,225 (33.9%) | $188,615 (-14.0%) | 0.31 | 205 |
| 2022-07-01 | $129,900 (10.6%) | $185,723 (-13.2%) | 0.29 | 243 |
| 2022-08-01 | $134,925 (12.5%) | $181,927 (0.1%) | 0.31 | 255 |
| 2022-09-01 | $129,950 (9.5%) | $180,435 (1.6%) | 0.30 | 240 |
| 2022-10-01 | $129,900 (27.4%) | $179,792 (0.9%) | 0.31 | 244 |
| 2022-11-01 | $124,400 (29.6%) | $180,684 (8.2%) | 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 (22.0%) | $195,395 (20.0%) | 0.30 | 192 |
| 2023-03-01 | $127,225 (1.5%) | $197,174 (18.3%) | 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 | $125,000 (-3.8%) | $195,430 (5.2%) | 0.28 | 183 |
| 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 |
| 2023-11-01 | $123,675 (-0.6%) | $186,533 (3.2%) | 0.29 | 248 |
| 2023-12-01 | $129,000 (3.2%) | $186,427 (-2.8%) | 0.31 | 238 |
| 2024-01-01 | $137,500 (10.0%) | $188,786 (-2.2%) | 0.34 | 215 |
| 2024-02-01 | $139,000 (11.2%) | $187,568 (-4.0%) | 0.33 | 186 |
| 2024-03-01 | $149,000 (17.1%) | $195,492 (-0.9%) | 0.35 | 186 |
Pottsville's median listing price comes in at 35% of the national average.
Pottsville's average listing price for 2024-03-01 was $195,492, a difference of $-1,682 (-0.9%) versus the prior year and $7,924 versus the prior month.
For the 2024-03-01 period, Pottsville had 186 MLS listings, a difference of 0 listings (0%) versus the prior month and 17 listings (10%) 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 | 1,550 sqft |
| 2018-02-01 | 106 days | 1,578 sqft |
| 2018-03-01 | 101 days | 1,600 sqft |
| 2018-04-01 | 90 days | 1,586 sqft |
| 2018-05-01 | 82 days | 1,590 sqft |
| 2018-06-01 | 65 days | 1,656 sqft |
| 2018-07-01 | 64 days | 1,631 sqft |
| 2018-08-01 | 70 days | 1,629 sqft |
| 2018-09-01 | 74 days | 1,640 sqft |
| 2018-10-01 | 76 days | 1,653 sqft |
| 2018-11-01 | 80 days | 1,636 sqft |
| 2018-12-01 | 93 days | 1,659 sqft |
| 2019-01-01 | 101 days | 1,664 sqft |
| 2019-02-01 | 104 days | 1,657 sqft |
| 2019-03-01 | 90 days | 1,659 sqft |
| 2019-04-01 | 67 days | 1,669 sqft |
| 2019-05-01 | 61 days | 1,668 sqft |
| 2019-06-01 | 68 days | 1,666 sqft |
| 2019-07-01 | 71 days | 1,688 sqft |
| 2019-08-01 | 70 days | 1,687 sqft |
| 2019-09-01 | 67 days | 1,691 sqft |
| 2019-10-01 | 66 days | 1,695 sqft |
| 2019-11-01 | 67 days | 1,725 sqft |
| 2019-12-01 | 83 days | 1,710 sqft |
| 2020-01-01 | 90 days | 1,700 sqft |
| 2020-02-01 | 101 days | 1,700 sqft |
| 2020-03-01 | 71 days | 1,799 sqft |
| 2020-04-01 | 78 days | 1,808 sqft |
| 2020-05-01 | 80 days | 1,819 sqft |
| 2020-06-01 | 53 days | 1,771 sqft |
| 2020-07-01 | 42 days | 1,747 sqft |
| 2020-08-01 | 51 days | 1,716 sqft |
| 2020-09-01 | 40 days | 1,667 sqft |
| 2020-10-01 | 44 days | 1,744 sqft |
| 2020-11-01 | 47 days | 1,650 sqft |
| 2020-12-01 | 61 days | 1,620 sqft |
| 2021-01-01 | 71 days | 1,622 sqft |
| 2021-02-01 | 66 days | 1,605 sqft |
| 2021-03-01 | 52 days | 1,571 sqft |
| 2021-04-01 | 25 days | 1,621 sqft |
| 2021-05-01 | 24 days | 1,608 sqft |
| 2021-06-01 | 18 days | 1,626 sqft |
| 2021-07-01 | 25 days | 1,619 sqft |
| 2021-08-01 | 29 days | 1,623 sqft |
| 2021-09-01 | 36 days | 1,597 sqft |
| 2021-10-01 | 43 days | 1,574 sqft |
| 2021-11-01 | 39 days | 1,508 sqft |
| 2021-12-01 | 44 days | 1,521 sqft |
| 2022-01-01 | 48 days | 1,541 sqft |
| 2022-02-01 | 48 days | 1,535 sqft |
| 2022-03-01 | 47 days | 1,587 sqft |
| 2022-04-01 | 41 days | 1,592 sqft |
| 2022-05-01 | 33 days | 1,689 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 | 1,677 sqft |
| 2022-10-01 | 49 days | 1,649 sqft |
| 2022-11-01 | 55 days | 1,684 sqft |
| 2022-12-01 | 65 days | 1,682 sqft |
| 2023-01-01 | 67 days | 1,665 sqft |
| 2023-02-01 | 63 days | 1,651 sqft |
| 2023-03-01 | 55 days | 1,656 sqft |
| 2023-04-01 | 45 days | 1,600 sqft |
| 2023-05-01 | 32 days | 1,593 sqft |
| 2023-06-01 | 33 days | 1,571 sqft |
| 2023-07-01 | 41 days | 1,573 sqft |
| 2023-08-01 | 38 days | 1,506 sqft |
| 2023-09-01 | 38 days | 1,528 sqft |
| 2023-10-01 | 40 days | 1,596 sqft |
| 2023-11-01 | 46 days | 1,567 sqft |
| 2023-12-01 | 58 days | 1,575 sqft |
| 2024-01-01 | 62 days | 1,518 sqft |
| 2024-02-01 | 61 days | 1,452 sqft |
| 2024-03-01 | 47 days | 1,512 sqft |
Pottsville's median square footage for active listings during the 2024-03-01 period was 1,512 sqft. One year prior, the average listing was 1,656 sqft.