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
-0.27%
for the week of 2024-11-15, compared to the national average (all USDA variants) of
0% for the same period.
Red Bluff's average USDA mortgage closing costs are $6,806.
The average rate for the prior week (2024-11-08) was
6.18% and
one month ago for the week of 2024-10-11, the
average rate was 6.05%.
The average rate one year ago was 7.17%.
For refis of the same type during the week of 2024-11-15, the average rate
was -0.2%.
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 |
Red Bluff's median listing price comes in at 0% of the national average.
Red Bluff's average listing price for 2024-10-01 was $507,897, a difference of $-25,343 (-4.8%) versus the prior year and $3,534 versus the prior month.
For the 2024-10-01 period, Red Bluff had 240 MLS listings, a difference of 3 listings (1%) versus the prior month and 59 listings (33%) 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 |
Red Bluff's median square footage for active listings during the 2024-10-01 period was 1,687 sqft. One year prior, the average listing was 1,660 sqft.