Roseburg USDA Loan Rates, Closing Costs & Stats

Roseburg, OR

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    • 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.

    Roseburg's 19 lenders originated 41 USDA loans during 2023. The total origination value was $10,885,000, with an average USDA loan value of $265,488.

    Roseburg USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Roseburg averaged 6.53% for the week of 2024-11-08, compared to the national average (all USDA variants) of 6.477% for the same period.

    Roseburg's average USDA mortgage closing costs are $6,191.

    The average rate for the prior week (2024-11-01) was 6.4% and one month ago for the week of 2024-10-04, the average rate was 6.13%.

    The average rate one year ago was 7.26%.

    For refis of the same type during the week of 2024-11-08, the average rate was 6.28%.

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

    Roseburg 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 Roseburg level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 5 5.86% $8,051
    NEWREZ LLC 4 5.88% $8,945
    Century Mortgage Company DBA Century Lending Company 4 5.84% $15,719
    U.S. Bank 4 6.34% $8,861
    SUMMIT FUNDING, INC. 3 6.63% $12,182
    GoPrime Mortgage, Inc. 3 6.37% $10,528
    DIRECTORS MORTGAGE, INC. 2 6.75% $13,217
    Paramount Residential Mortgage Group, Inc. 1 6.38% $5,934
    Plains Commerce Bank 1 5.25% $11,103
    S1L, Inc. 1 5.75% $5,999
    Umpqua Bank 1 7.13% $9,318
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.63% $6,478
    Willamette Valley Bank 1 6.13% $14,352
    CANOPY MORTGAGE, LLC 1 6.99% $11,141
    CMG MORTGAGE, INC. 1 6.25% $8,696
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.75% $9,662
    FIRST COLONY MORTGAGE CORPORATION 1 6.25% $8,808
    GUILD MORTGAGE COMPANY 1 5.88% $9,660
    MANN FINANCIAL INC. 1 6.50% $14,209

    The top Roseburg USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 5 USDA loans originated. Their average total fees are $8,051, which is $894 lower than the next largest lender, NEWREZ LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Roseburg (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 $306,975 (20.4%) $449,079 (21.0%) 0.00 383
    2018-02-01 $304,950 (16.4%) $453,735 (21.7%) 0.00 392
    2018-03-01 $299,000 (4.9%) $452,392 (16.4%) 0.00 398
    2018-04-01 $323,725 (12.0%) $464,881 (15.8%) 0.00 413
    2018-05-01 $325,000 (0.0%) $465,026 (12.7%) 0.00 427
    2018-06-01 $319,000 (0.3%) $437,026 (8.2%) 0.00 495
    2018-07-01 $309,100 (-4.9%) $437,149 (-1.0%) 0.00 514
    2018-08-01 $299,950 (-3.6%) $421,719 (-3.6%) 0.00 539
    2018-09-01 $298,250 (0.1%) $418,383 (-0.8%) 0.00 531
    2018-10-01 $298,700 (2.2%) $428,014 (2.3%) 0.00 507
    2018-11-01 $299,598 (1.0%) $441,058 (0.6%) 0.00 460
    2018-12-01 $299,900 (1.7%) $448,220 (1.5%) 0.00 454
    2019-01-01 $303,748 (-1.1%) $446,084 (-0.7%) 0.00 446
    2019-02-01 $316,250 (3.7%) $452,123 (-0.4%) 0.00 437
    2019-03-01 $324,950 (8.7%) $455,448 (0.7%) 0.00 417
    2019-04-01 $324,925 (0.4%) $451,198 (-2.9%) 0.00 403
    2019-05-01 $331,150 (1.9%) $459,343 (-1.2%) 0.00 413
    2019-06-01 $335,000 (5.0%) $460,367 (5.3%) 0.00 467
    2019-07-01 $337,450 (9.2%) $457,865 (4.7%) 0.00 478
    2019-08-01 $333,500 (11.2%) $444,587 (5.4%) 0.00 480
    2019-09-01 $331,250 (11.1%) $432,897 (3.5%) 0.00 467
    2019-10-01 $327,225 (9.6%) $412,827 (-3.6%) 0.00 439
    2019-11-01 $305,000 (1.8%) $397,730 (-9.8%) 0.00 416
    2019-12-01 $291,075 (-2.9%) $382,332 (-14.7%) 0.00 392
    2020-01-01 $302,125 (-0.5%) $379,920 (-14.8%) 0.00 365
    2020-02-01 $319,450 (1.0%) $412,281 (-8.8%) 0.00 345
    2020-03-01 $319,950 (-1.5%) $414,607 (-9.0%) 0.00 349
    2020-04-01 $319,475 (-1.7%) $421,352 (-6.6%) 0.00 353
    2020-05-01 $325,000 (-1.9%) $433,791 (-5.6%) 0.00 339
    2020-06-01 $339,225 (1.3%) $448,213 (-2.6%) 0.00 317
    2020-07-01 $331,250 (-1.8%) $434,640 (-5.1%) 0.00 263
    2020-08-01 $330,000 (-1.1%) $463,403 (4.2%) 0.00 232
    2020-09-01 $340,975 (2.9%) $474,868 (9.7%) 0.00 213
    2020-10-01 $346,500 (5.9%) $494,073 (19.7%) 0.00 190
    2020-11-01 $340,950 (11.8%) $493,487 (24.1%) 0.00 162
    2020-12-01 $327,400 (12.5%) $464,241 (21.4%) 0.00 145
    2021-01-01 $320,000 (5.9%) $471,128 (24.0%) 0.00 130
    2021-02-01 $307,450 (-3.8%) $421,523 (2.2%) 0.00 110
    2021-03-01 $318,475 (-0.5%) $417,648 (0.7%) 0.00 102
    2021-04-01 $344,950 (8.0%) $447,013 (6.1%) 0.00 104
    2021-05-01 $349,950 (7.7%) $478,365 (10.3%) 0.00 123
    2021-06-01 $345,750 (1.9%) $477,531 (6.5%) 0.00 128
    2021-07-01 $350,000 (5.7%) $506,521 (16.5%) 0.00 164
    2021-08-01 $359,975 (9.1%) $502,898 (8.5%) 0.00 194
    2021-09-01 $363,725 (6.7%) $492,956 (3.8%) 0.00 210
    2021-10-01 $375,000 (8.2%) $518,790 (5.0%) 0.00 205
    2021-11-01 $369,700 (8.4%) $524,951 (6.4%) 0.00 190
    2021-12-01 $387,450 (18.3%) $546,396 (17.7%) 0.00 176
    2022-01-01 $399,000 (24.7%) $587,452 (24.7%) 0.00 137
    2022-02-01 $398,000 (29.5%) $603,940 (43.3%) 0.00 137
    2022-03-01 $409,700 (28.6%) $637,626 (52.7%) 0.00 125
    2022-04-01 $420,000 (21.8%) $600,704 (34.4%) 0.00 163
    2022-05-01 $422,500 (20.7%) $586,905 (22.7%) 0.00 187
    2022-06-01 $415,000 (20.0%) $568,297 (19.0%) 0.00 232
    2022-07-01 $407,500 (16.4%) $561,509 (10.9%) 0.00 278
    2022-08-01 $423,450 (17.6%) $566,393 (12.6%) 0.00 271
    2022-09-01 $439,225 (20.8%) $582,194 (18.1%) 0.00 282
    2022-10-01 $419,450 (11.9%) $568,160 (9.5%) 0.00 300
    2022-11-01 $414,356 (12.1%) $580,009 (10.5%) 0.00 289
    2022-12-01 $412,989 (6.6%) $588,218 (7.7%) 0.00 278
    2023-01-01 $417,000 (4.5%) $586,670 (-0.1%) 0.00 253
    2023-02-01 $419,750 (5.5%) $583,010 (-3.5%) 0.00 237
    2023-03-01 $454,500 (10.9%) $609,035 (-4.5%) 0.00 225
    2023-04-01 $450,000 (7.1%) $615,089 (2.4%) 0.00 207
    2023-05-01 $449,000 (6.3%) $601,153 (2.4%) 0.00 233
    2023-06-01 $449,850 (8.4%) $612,157 (7.7%) 0.00 252
    2023-07-01 $436,500 (7.1%) $613,058 (9.2%) 0.00 263
    2023-08-01 $433,700 (2.4%) $614,914 (8.6%) 0.00 295
    2023-09-01 $417,450 (-5.0%) $590,403 (1.4%) 0.00 314
    2023-10-01 $399,250 (-4.8%) $579,173 (1.9%) 0.00 303
    2023-11-01 $399,900 (-3.5%) $577,091 (-0.5%) 0.00 279
    2023-12-01 $385,000 (-6.8%) $558,102 (-5.1%) 0.00 264
    2024-01-01 $385,000 (-7.7%) $569,861 (-2.9%) 0.00 238
    2024-02-01 $381,500 (-9.1%) $576,813 (-1.1%) 0.00 220
    2024-03-01 $390,000 (-14.2%) $566,483 (-7.0%) 0.00 217
    2024-04-01 $402,000 (-10.7%) $554,023 (-9.9%) 0.00 261
    2024-05-01 $422,475 (-5.9%) $566,628 (-5.7%) 0.00 281
    2024-06-01 $435,000 (-3.3%) $568,571 (-7.1%) 0.00 344
    2024-07-01 $446,175 (2.2%) $558,320 (-8.9%) 0.00 352
    2024-08-01 $444,450 (2.5%) $562,954 (-8.5%) 0.00 357
    2024-09-01 $440,938 (5.6%) $554,219 (-6.1%) 0.00 371
    2024-10-01 $439,975 (10.2%) $558,065 (-3.6%) 0.00 358
    Roseburg's median listing price for 2024-10-01 was $439,975, a difference of $40,725 (10.2%) versus the prior year and $-963 versus the prior month.

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

    Roseburg's average listing price for 2024-10-01 was $558,065, a difference of $-21,108 (-3.6%) versus the prior year and $3,846 versus the prior month.

    For the 2024-10-01 period, Roseburg had 358 MLS listings, a difference of -13 listings (-4%) versus the prior month and 55 listings (18%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Roseburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,900 sqft
    2018-02-01 0 days 1,893 sqft
    2018-03-01 0 days 1,892 sqft
    2018-04-01 0 days 1,919 sqft
    2018-05-01 0 days 1,942 sqft
    2018-06-01 0 days 1,874 sqft
    2018-07-01 0 days 1,871 sqft
    2018-08-01 0 days 1,852 sqft
    2018-09-01 0 days 1,845 sqft
    2018-10-01 0 days 1,850 sqft
    2018-11-01 0 days 1,850 sqft
    2018-12-01 0 days 1,852 sqft
    2019-01-01 0 days 1,853 sqft
    2019-02-01 0 days 1,885 sqft
    2019-03-01 0 days 1,902 sqft
    2019-04-01 0 days 1,901 sqft
    2019-05-01 0 days 1,936 sqft
    2019-06-01 0 days 1,953 sqft
    2019-07-01 0 days 1,954 sqft
    2019-08-01 0 days 1,950 sqft
    2019-09-01 0 days 1,946 sqft
    2019-10-01 0 days 1,935 sqft
    2019-11-01 0 days 1,869 sqft
    2019-12-01 0 days 1,825 sqft
    2020-01-01 0 days 1,842 sqft
    2020-02-01 0 days 1,873 sqft
    2020-03-01 0 days 1,851 sqft
    2020-04-01 0 days 1,848 sqft
    2020-05-01 0 days 1,889 sqft
    2020-06-01 0 days 1,944 sqft
    2020-07-01 0 days 1,916 sqft
    2020-08-01 0 days 1,920 sqft
    2020-09-01 0 days 1,933 sqft
    2020-10-01 0 days 1,908 sqft
    2020-11-01 0 days 1,869 sqft
    2020-12-01 0 days 1,854 sqft
    2021-01-01 0 days 1,838 sqft
    2021-02-01 0 days 1,699 sqft
    2021-03-01 0 days 1,699 sqft
    2021-04-01 0 days 1,818 sqft
    2021-05-01 0 days 1,808 sqft
    2021-06-01 0 days 1,716 sqft
    2021-07-01 0 days 1,790 sqft
    2021-08-01 0 days 1,745 sqft
    2021-09-01 0 days 1,665 sqft
    2021-10-01 0 days 1,656 sqft
    2021-11-01 0 days 1,703 sqft
    2021-12-01 0 days 1,772 sqft
    2022-01-01 0 days 1,784 sqft
    2022-02-01 0 days 1,767 sqft
    2022-03-01 0 days 1,795 sqft
    2022-04-01 0 days 1,768 sqft
    2022-05-01 0 days 1,798 sqft
    2022-06-01 0 days 1,765 sqft
    2022-07-01 0 days 1,763 sqft
    2022-08-01 0 days 1,770 sqft
    2022-09-01 0 days 1,810 sqft
    2022-10-01 0 days 1,763 sqft
    2022-11-01 0 days 1,765 sqft
    2022-12-01 0 days 1,756 sqft
    2023-01-01 0 days 1,781 sqft
    2023-02-01 0 days 1,713 sqft
    2023-03-01 0 days 1,834 sqft
    2023-04-01 0 days 1,877 sqft
    2023-05-01 0 days 1,820 sqft
    2023-06-01 0 days 1,836 sqft
    2023-07-01 0 days 1,815 sqft
    2023-08-01 0 days 1,824 sqft
    2023-09-01 0 days 1,749 sqft
    2023-10-01 0 days 1,743 sqft
    2023-11-01 0 days 1,731 sqft
    2023-12-01 0 days 1,715 sqft
    2024-01-01 0 days 1,698 sqft
    2024-02-01 0 days 1,680 sqft
    2024-03-01 0 days 1,695 sqft
    2024-04-01 0 days 1,730 sqft
    2024-05-01 0 days 1,813 sqft
    2024-06-01 0 days 1,800 sqft
    2024-07-01 0 days 1,835 sqft
    2024-08-01 0 days 1,848 sqft
    2024-09-01 0 days 1,833 sqft
    2024-10-01 0 days 1,840 sqft
    Roseburg's median listing age (time on market) for 2024-10-01 was 0 days.

    Roseburg's median square footage for active listings during the 2024-10-01 period was 1,840 sqft. One year prior, the average listing was 1,743 sqft.