Red Bluff USDA Loan Rates, Closing Costs & Stats

Red Bluff, CA

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.

Red Bluff's 8 lenders originated 10 USDA loans during 2023. The total origination value was $2,530,000, with an average USDA loan value of $253,000.

Red Bluff USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Red Bluff averaged 6.23% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

Red Bluff's average USDA mortgage closing costs are $6,806.

The average rate for the prior week (2024-12-06) was 6.37% and one month ago for the week of 2024-11-08, the average rate was 6.28%.

The average rate one year ago was 6.55%.

For refis of the same type during the week of 2024-12-13, the average rate was 6.4%.

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

Red 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 Red Bluff level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 2 6.13% $10,103
AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.63% $7,728
CALIBER HOME LOANS, INC. 1 6.25% $8,108
Century Mortgage Company DBA Century Lending Company 1 7.13% $11,540
American Mortgage & Equity Consultants, Inc. 1 6.63% $8,794
NEWREZ LLC 1 7.75% $4,174
Sierra Pacific Mortgage Company, Inc. 1 5.75% $16,022
CROSSCOUNTRY MORTGAGE, LLC 1 6.49% $7,457

The top Red Bluff USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 2 USDA loans originated. Their average total fees are $10,103, which is $2,376 higher than the next largest lender, AMERICAN PACIFIC MORTGAGE CORPORATION.

The lowest fee Red Bluff USDA lenders (with over 10 loans originated) are .

The lowest rate Red Bluff USDA lenders (with over 10 loans originated) are .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Red 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 $267,500 (5.5%) $383,424 (7.7%) 0.00 217
2018-02-01 $281,213 (7.5%) $393,798 (9.6%) 0.00 218
2018-03-01 $292,450 (8.3%) $377,067 (3.9%) 0.00 235
2018-04-01 $289,225 (8.7%) $390,564 (6.7%) 0.00 275
2018-05-01 $290,125 (7.9%) $388,245 (4.9%) 0.00 271
2018-06-01 $299,000 (13.0%) $431,330 (19.9%) 0.00 270
2018-07-01 $294,250 (13.2%) $416,426 (19.0%) 0.00 304
2018-08-01 $289,375 (12.4%) $397,951 (15.3%) 0.00 330
2018-09-01 $290,750 (14.1%) $389,974 (12.5%) 0.00 325
2018-10-01 $289,250 (5.2%) $383,996 (7.3%) 0.00 330
2018-11-01 $289,000 (3.2%) $376,688 (2.4%) 0.00 308
2018-12-01 $299,000 (6.8%) $388,936 (2.6%) 0.00 253
2019-01-01 $319,500 (19.4%) $392,419 (2.4%) 0.00 227
2019-02-01 $319,000 (13.4%) $386,482 (-1.9%) 0.00 224
2019-03-01 $321,000 (9.8%) $396,354 (5.1%) 0.00 214
2019-04-01 $329,250 (13.8%) $405,945 (3.9%) 0.00 212
2019-05-01 $331,225 (14.2%) $407,695 (5.0%) 0.00 232
2019-06-01 $325,000 (8.7%) $415,476 (-3.7%) 0.00 245
2019-07-01 $339,700 (15.5%) $431,173 (3.5%) 0.00 267
2019-08-01 $337,782 (16.7%) $445,486 (11.9%) 0.00 275
2019-09-01 $334,530 (15.1%) $442,620 (13.5%) 0.00 277
2019-10-01 $333,861 (15.4%) $440,709 (14.8%) 0.00 277
2019-11-01 $339,000 (17.3%) $421,308 (11.9%) 0.00 254
2019-12-01 $335,475 (12.2%) $421,223 (8.3%) 0.00 238
2020-01-01 $319,975 (0.2%) $423,035 (7.8%) 0.00 223
2020-02-01 $299,900 (-6.0%) $395,388 (2.3%) 0.00 223
2020-03-01 $307,000 (-4.4%) $399,487 (0.8%) 0.00 235
2020-04-01 $307,450 (-6.6%) $405,177 (-0.2%) 0.00 220
2020-05-01 $321,900 (-2.8%) $416,437 (2.1%) 0.00 189
2020-06-01 $342,250 (5.3%) $433,857 (4.4%) 0.00 170
2020-07-01 $357,225 (5.2%) $439,132 (1.9%) 0.00 142
2020-08-01 $379,900 (12.5%) $454,040 (1.9%) 0.00 141
2020-09-01 $380,000 (13.6%) $464,482 (4.9%) 0.00 155
2020-10-01 $379,500 (13.7%) $482,919 (9.6%) 0.00 161
2020-11-01 $394,450 (16.4%) $485,477 (15.2%) 0.00 156
2020-12-01 $363,750 (8.4%) $466,937 (10.9%) 0.00 154
2021-01-01 $396,250 (23.8%) $491,196 (16.1%) 0.00 134
2021-02-01 $414,563 (38.2%) $518,918 (31.2%) 0.00 108
2021-03-01 $438,000 (42.7%) $539,191 (35.0%) 0.00 95
2021-04-01 $416,975 (35.6%) $525,307 (29.7%) 0.00 114
2021-05-01 $399,000 (24.0%) $555,667 (33.4%) 0.00 117
2021-06-01 $422,250 (23.4%) $563,285 (29.8%) 0.00 104
2021-07-01 $444,000 (24.3%) $731,927 (66.7%) 0.00 114
2021-08-01 $399,675 (5.2%) $661,377 (45.7%) 0.00 128
2021-09-01 $386,225 (1.6%) $637,906 (37.3%) 0.00 145
2021-10-01 $399,450 (5.3%) $658,957 (36.5%) 0.00 144
2021-11-01 $383,000 (-2.9%) $638,791 (31.6%) 0.00 146
2021-12-01 $399,000 (9.7%) $640,934 (37.3%) 0.00 129
2022-01-01 $399,900 (0.9%) $645,799 (31.5%) 0.00 119
2022-02-01 $374,725 (-9.6%) $642,175 (23.8%) 0.00 116
2022-03-01 $399,700 (-8.7%) $639,952 (18.7%) 0.00 119
2022-04-01 $399,000 (-4.3%) $508,912 (-3.1%) 0.00 134
2022-05-01 $425,000 (6.5%) $570,167 (2.6%) 0.00 170
2022-06-01 $447,500 (6.0%) $570,215 (1.2%) 0.00 190
2022-07-01 $437,000 (-1.6%) $551,077 (-24.7%) 0.00 208
2022-08-01 $427,450 (7.0%) $524,530 (-20.7%) 0.00 231
2022-09-01 $410,250 (6.2%) $512,445 (-19.7%) 0.00 235
2022-10-01 $410,000 (2.6%) $507,950 (-22.9%) 0.00 243
2022-11-01 $401,975 (5.0%) $507,729 (-20.5%) 0.00 238
2022-12-01 $399,000 (0.0%) $521,954 (-18.6%) 0.00 219
2023-01-01 $399,425 (-0.1%) $516,177 (-20.1%) 0.00 190
2023-02-01 $399,125 (6.5%) $507,049 (-21.0%) 0.00 183
2023-03-01 $399,425 (-0.1%) $527,358 (-17.6%) 0.00 164
2023-04-01 $415,000 (4.0%) $547,023 (7.5%) 0.00 161
2023-05-01 $413,500 (-2.7%) $548,725 (-3.8%) 0.00 168
2023-06-01 $419,250 (-6.3%) $571,240 (0.2%) 0.00 179
2023-07-01 $399,000 (-8.7%) $557,038 (1.1%) 0.00 178
2023-08-01 $395,750 (-7.4%) $541,382 (3.2%) 0.00 189
2023-09-01 $399,000 (-2.7%) $525,596 (2.6%) 0.00 198
2023-10-01 $397,500 (-3.1%) $533,240 (5.0%) 0.00 181
2023-11-01 $390,750 (-2.8%) $530,945 (4.6%) 0.00 192
2023-12-01 $389,000 (-2.5%) $539,609 (3.4%) 0.00 158
2024-01-01 $384,000 (-3.9%) $526,283 (2.0%) 0.00 151
2024-02-01 $394,500 (-1.2%) $521,457 (2.8%) 0.00 148
2024-03-01 $419,000 (4.9%) $535,793 (1.6%) 0.00 150
2024-04-01 $421,700 (1.6%) $535,505 (-2.1%) 0.00 178
2024-05-01 $426,000 (3.0%) $522,334 (-4.8%) 0.00 203
2024-06-01 $447,000 (6.6%) $528,665 (-7.5%) 0.00 227
2024-07-01 $432,000 (8.3%) $518,508 (-6.9%) 0.00 233
2024-08-01 $417,000 (5.4%) $506,097 (-6.5%) 0.00 235
2024-09-01 $422,500 (5.9%) $504,363 (-4.0%) 0.00 237
2024-10-01 $420,000 (5.7%) $507,897 (-4.8%) 0.00 240
2024-11-01 $415,000 (6.2%) $501,649 (-5.5%) 0.00 239
Red Bluff's median listing price for 2024-11-01 was $415,000, a difference of $24,250 (6.2%) versus the prior year and $-5,000 versus the prior month.

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

Red Bluff's average listing price for 2024-11-01 was $501,649, a difference of $-29,296 (-5.5%) versus the prior year and $-6,248 versus the prior month.

For the 2024-11-01 period, Red Bluff had 239 MLS listings, a difference of -1 listings (0%) versus the prior month and 47 listings (24%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Red 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 1,748 sqft
2018-02-01 0 days 1,719 sqft
2018-03-01 0 days 1,725 sqft
2018-04-01 0 days 1,722 sqft
2018-05-01 0 days 1,721 sqft
2018-06-01 0 days 1,741 sqft
2018-07-01 0 days 1,751 sqft
2018-08-01 0 days 1,726 sqft
2018-09-01 0 days 1,708 sqft
2018-10-01 0 days 1,703 sqft
2018-11-01 0 days 1,700 sqft
2018-12-01 0 days 1,700 sqft
2019-01-01 0 days 1,717 sqft
2019-02-01 0 days 1,700 sqft
2019-03-01 0 days 1,659 sqft
2019-04-01 0 days 1,656 sqft
2019-05-01 0 days 1,693 sqft
2019-06-01 0 days 1,712 sqft
2019-07-01 0 days 1,703 sqft
2019-08-01 0 days 1,700 sqft
2019-09-01 0 days 1,684 sqft
2019-10-01 0 days 1,674 sqft
2019-11-01 0 days 1,686 sqft
2019-12-01 0 days 1,682 sqft
2020-01-01 0 days 1,657 sqft
2020-02-01 0 days 1,600 sqft
2020-03-01 0 days 1,628 sqft
2020-04-01 0 days 1,660 sqft
2020-05-01 0 days 1,700 sqft
2020-06-01 0 days 1,744 sqft
2020-07-01 0 days 1,766 sqft
2020-08-01 0 days 1,800 sqft
2020-09-01 0 days 1,810 sqft
2020-10-01 0 days 1,753 sqft
2020-11-01 0 days 1,793 sqft
2020-12-01 0 days 1,669 sqft
2021-01-01 0 days 1,726 sqft
2021-02-01 0 days 1,800 sqft
2021-03-01 0 days 1,805 sqft
2021-04-01 0 days 1,762 sqft
2021-05-01 0 days 1,758 sqft
2021-06-01 0 days 1,719 sqft
2021-07-01 0 days 1,680 sqft
2021-08-01 0 days 1,637 sqft
2021-09-01 0 days 1,664 sqft
2021-10-01 0 days 1,727 sqft
2021-11-01 0 days 1,635 sqft
2021-12-01 0 days 1,614 sqft
2022-01-01 0 days 1,618 sqft
2022-02-01 0 days 1,614 sqft
2022-03-01 0 days 1,671 sqft
2022-04-01 0 days 1,680 sqft
2022-05-01 0 days 1,761 sqft
2022-06-01 0 days 1,789 sqft
2022-07-01 0 days 1,724 sqft
2022-08-01 0 days 1,703 sqft
2022-09-01 0 days 1,679 sqft
2022-10-01 0 days 1,682 sqft
2022-11-01 0 days 1,706 sqft
2022-12-01 0 days 1,697 sqft
2023-01-01 0 days 1,697 sqft
2023-02-01 0 days 1,708 sqft
2023-03-01 0 days 1,748 sqft
2023-04-01 0 days 1,768 sqft
2023-05-01 0 days 1,765 sqft
2023-06-01 0 days 1,724 sqft
2023-07-01 0 days 1,684 sqft
2023-08-01 0 days 1,649 sqft
2023-09-01 0 days 1,650 sqft
2023-10-01 0 days 1,660 sqft
2023-11-01 0 days 1,637 sqft
2023-12-01 0 days 1,682 sqft
2024-01-01 0 days 1,615 sqft
2024-02-01 0 days 1,644 sqft
2024-03-01 0 days 1,701 sqft
2024-04-01 0 days 1,715 sqft
2024-05-01 0 days 1,734 sqft
2024-06-01 0 days 1,822 sqft
2024-07-01 0 days 1,777 sqft
2024-08-01 0 days 1,748 sqft
2024-09-01 0 days 1,694 sqft
2024-10-01 0 days 1,687 sqft
2024-11-01 0 days 1,704 sqft
Red Bluff's median listing age (time on market) for 2024-11-01 was 0 days.

Red Bluff's median square footage for active listings during the 2024-11-01 period was 1,704 sqft. One year prior, the average listing was 1,637 sqft.