St. Louis USDA Loan Rates, Closing Costs & Stats

ST. LOUIS, MO-IL

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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.

    St. Louis's 60 lenders originated 330 USDA loans during 2024. The total origination value was $59,940,000, with an average USDA loan value of $181,636.

    St. Louis USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in St. Louis averaged 6.72% for the week of 2025-07-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    St. Louis's average USDA mortgage closing costs are $4,644.

    The average rate for the prior week (2025-07-04) was 6.63% and one month ago for the week of 2025-06-06, the average rate was 6.63%.

    The average rate one year ago was 6.81%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.64%.

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

    St. Louis 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 St. Louis level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 66 6.50% $6,190
    FLAT BRANCH MORTGAGE, INC. 35 6.53% $4,943
    DAS Acquisition Company, LLC 25 6.72% $6,227
    BROKER SOLUTIONS, INC. 17 6.72% $6,330
    FCB Banks 13 5.87% $4,138
    DELMAR FINANCIAL COMPANY 9 6.75% $5,390
    The Central Trust Bank 9 6.37% $5,894
    NEWREZ LLC 8 6.89% $5,267
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 6.91% $4,758
    GUARANTEED RATE, INC. 7 6.76% $5,512
    Equity Prime Mortgage LLC 7 6.32% $7,166
    First State Bank of St. Charles, Missouri 7 5.88% $6,752
    Carrollton Bank 6 6.06% $3,575
    First State Community Bank 5 6.08% $4,721
    GERSHMAN INVESTMENT CORP. 5 6.65% $5,328
    UNITED WHOLESALE MORTGAGE, LLC 5 6.00% $6,840
    United Community Bank 5 6.33% $3,396
    CITY FIRST MORTGAGE SERVICES, L.L.C. 4 6.38% $10,253
    PLAZA HOME MORTGAGE, INC. 4 6.75% $7,325
    First Mid Bank & Trust 3 5.92% $3,325
    Cornerstone First Mortgage, Inc 3 6.17% $5,087
    ENDEAVOR CAPITAL, LLC. 3 5.92% $5,638
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 3 6.88% $4,029
    Flagstar Bank, FSB 3 6.67% $7,617
    LEADERONE FINANCIAL CORPORATION 3 6.87% $4,550
    Sullivan Bank 3 6.42% $5,464
    FAMILY FINANCE MORTGAGE, LLC 2 7.12% $6,808
    GENEVA FINANCIAL, LLC 2 6.69% $6,358
    Heartland Bank and Trust Company 2 6.75% $4,762
    Midland States Bank 2 6.31% $4,493
    Midwest BankCentre 2 5.69% $4,737
    MOVEMENT MORTGAGE, LLC 2 7.25% $4,790
    Busey Bank 2 5.94% $3,681
    NP, Inc. 2 6.06% $5,538
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.75% $7,825
    SUN WEST MORTGAGE COMPANY, INC. 2 6.13% $10,290
    United Bank of Union 2 7.13% $3,815
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.75% $6,404
    U S WIDE FINANCIAL LLC 1 6.50% $7,400
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 5.88% $7,068
    Mortgage Research Center, LLC 1 6.63% $1,786
    Bankers' Bank 1 6.63% $3,550
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.75% $5,838
    THOMPSON KANE & COMPANY, LLC 1 6.63% $6,430
    TOP FLITE FINANCIAL, INC. 1 7.13% $5,776
    Paramount Bank 1 6.63% $4,781
    Paramount Residential Mortgage Group, Inc. 1 7.13% $6,582
    Petefish, Skiles & Co. 1 6.50% $3,643
    Bell Bank 1 6.50% $6,628
    EVERETT FINANCIAL, INC. 1 6.63% $6,159
    FIRST HERITAGE FINANCIAL, LLC 1 6.88% $5,122
    Community Mortgage Banc Corporation 1 6.50% $3,377
    CNB Bank And Trust, N.A. 1 7.63% $3,601
    CHURCHILL MORTGAGE CORPORATION 1 6.13% $6,217
    Stifel Bank and Trust 1 6.50% $4,187
    HNB National Bank 1 6.50% $4,754
    INB 1 6.88% $3,461
    Ixonia Bank 1 5.63% $10,877
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.88% $10,707
    MID AMERICA MORTGAGE, INC. 1 6.63% $4,560

    The top St. Louis USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 66 USDA loans originated. Their average total fees are $6,190, which is $1,247 higher than the next largest lender, FLAT BRANCH MORTGAGE, INC..

    The lowest fee St. Louis USDA lenders (with over 10 loans originated) are FCB Banks ($4,138), FLAT BRANCH MORTGAGE, INC. ($4,943), GUILD MORTGAGE COMPANY ($6,190), DAS Acquisition Company, LLC ($6,227) and BROKER SOLUTIONS, INC. ($6,330).

    The lowest rate St. Louis USDA lenders (with over 10 loans originated) are FCB Banks (5.87%), GUILD MORTGAGE COMPANY (6.50%), FLAT BRANCH MORTGAGE, INC. (6.53%), DAS Acquisition Company, LLC (6.72%) and BROKER SOLUTIONS, INC. (6.72%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - St. Louis (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 $189,400 (11.9%) $269,594 (6.0%) 0.70 8,422
    2018-02-01 $193,450 (12.2%) $277,213 (5.7%) 0.70 8,301
    2018-03-01 $205,000 (11.0%) $291,265 (6.0%) 0.72 8,652
    2018-04-01 $214,875 (11.8%) $300,549 (6.1%) 0.73 8,742
    2018-05-01 $219,900 (9.3%) $306,148 (4.6%) 0.73 9,152
    2018-06-01 $219,900 (8.1%) $308,574 (5.3%) 0.73 9,728
    2018-07-01 $216,750 (8.4%) $303,344 (5.3%) 0.72 10,254
    2018-08-01 $216,000 (9.8%) $299,330 (6.6%) 0.72 10,480
    2018-09-01 $215,000 (9.8%) $297,128 (5.4%) 0.72 10,485
    2018-10-01 $212,725 (6.7%) $294,146 (3.5%) 0.72 10,575
    2018-11-01 $209,900 (8.1%) $289,261 (3.7%) 0.71 10,105
    2018-12-01 $200,000 (5.4%) $280,394 (3.3%) 0.69 9,044
    2019-01-01 $199,550 (5.4%) $275,229 (2.1%) 0.69 7,920
    2019-02-01 $210,000 (8.6%) $291,481 (5.2%) 0.71 7,560
    2019-03-01 $219,229 (6.9%) $298,617 (2.5%) 0.72 7,742
    2019-04-01 $225,000 (4.7%) $305,034 (1.5%) 0.71 7,961
    2019-05-01 $231,450 (5.3%) $313,283 (2.3%) 0.72 8,255
    2019-06-01 $234,900 (6.8%) $316,920 (2.7%) 0.73 8,575
    2019-07-01 $229,450 (5.9%) $313,295 (3.3%) 0.72 8,894
    2019-08-01 $226,545 (4.9%) $309,085 (3.3%) 0.72 9,030
    2019-09-01 $222,864 (3.7%) $305,475 (2.8%) 0.71 9,136
    2019-10-01 $220,000 (3.4%) $302,319 (2.8%) 0.71 9,191
    2019-11-01 $215,000 (2.4%) $299,898 (3.7%) 0.70 8,764
    2019-12-01 $210,225 (5.1%) $289,975 (3.4%) 0.70 7,795
    2020-01-01 $209,900 (5.2%) $287,609 (4.5%) 0.70 6,910
    2020-02-01 $218,900 (4.2%) $297,961 (2.2%) 0.72 6,368
    2020-03-01 $229,450 (4.7%) $305,632 (2.4%) 0.72 6,433
    2020-04-01 $231,375 (2.8%) $305,728 (0.2%) 0.72 6,464
    2020-05-01 $247,900 (7.1%) $320,812 (2.4%) 0.75 6,320
    2020-06-01 $249,900 (6.4%) $333,864 (5.4%) 0.74 6,016
    2020-07-01 $249,950 (8.9%) $336,752 (7.5%) 0.72 5,764
    2020-08-01 $249,900 (10.3%) $338,128 (9.4%) 0.72 5,623
    2020-09-01 $249,900 (12.1%) $339,301 (11.1%) 0.72 5,559
    2020-10-01 $243,000 (10.5%) $334,258 (10.6%) 0.70 5,659
    2020-11-01 $235,700 (9.6%) $328,409 (9.5%) 0.69 5,297
    2020-12-01 $230,150 (9.5%) $323,425 (11.5%) 0.68 4,753
    2021-01-01 $239,950 (14.3%) $337,006 (17.2%) 0.72 4,016
    2021-02-01 $249,900 (14.2%) $342,968 (15.1%) 0.73 3,541
    2021-03-01 $252,450 (10.0%) $345,449 (13.0%) 0.72 3,573
    2021-04-01 $258,600 (11.8%) $355,697 (16.3%) 0.70 3,564
    2021-05-01 $254,900 (2.8%) $357,526 (11.4%) 0.68 3,474
    2021-06-01 $255,800 (2.4%) $352,428 (5.6%) 0.67 3,848
    2021-07-01 $250,000 (0.0%) $346,893 (3.0%) 0.66 4,596
    2021-08-01 $249,900 (0.0%) $341,848 (1.1%) 0.67 4,766
    2021-09-01 $249,900 (0.0%) $338,695 (-0.2%) 0.67 4,700
    2021-10-01 $240,000 (-1.2%) $337,379 (0.9%) 0.64 4,538
    2021-11-01 $236,975 (0.5%) $336,788 (2.6%) 0.63 4,144
    2021-12-01 $239,950 (4.3%) $335,714 (3.8%) 0.65 3,462
    2022-01-01 $243,900 (1.7%) $336,432 (-0.2%) 0.66 3,009
    2022-02-01 $262,450 (5.0%) $344,035 (0.3%) 0.68 2,831
    2022-03-01 $270,100 (7.0%) $347,027 (0.5%) 0.68 2,914
    2022-04-01 $269,900 (4.4%) $337,183 (-5.2%) 0.64 3,112
    2022-05-01 $275,400 (8.0%) $347,301 (-2.9%) 0.63 3,651
    2022-06-01 $279,700 (9.3%) $352,837 (0.1%) 0.62 4,101
    2022-07-01 $275,000 (10.0%) $347,832 (0.3%) 0.62 4,648
    2022-08-01 $276,293 (10.6%) $345,977 (1.2%) 0.64 4,692
    2022-09-01 $274,950 (10.0%) $345,788 (2.1%) 0.64 4,695
    2022-10-01 $275,900 (15.0%) $340,485 (0.9%) 0.65 4,809
    2022-11-01 $274,000 (15.6%) $337,939 (0.3%) 0.66 4,783
    2022-12-01 $269,000 (12.1%) $329,391 (-1.9%) 0.66 4,223
    2023-01-01 $269,900 (10.7%) $333,777 (-0.8%) 0.67 3,782
    2023-02-01 $271,750 (3.5%) $336,969 (-2.1%) 0.66 3,499
    2023-03-01 $278,950 (3.3%) $343,433 (-1.0%) 0.66 3,477
    2023-04-01 $284,900 (5.6%) $355,059 (5.3%) 0.66 3,580
    2023-05-01 $281,650 (2.3%) $357,964 (3.1%) 0.64 3,755
    2023-06-01 $289,423 (3.5%) $362,670 (2.8%) 0.65 3,975
    2023-07-01 $288,900 (5.1%) $359,779 (3.4%) 0.66 4,296
    2023-08-01 $284,325 (2.9%) $352,578 (1.9%) 0.65 4,392
    2023-09-01 $279,900 (1.8%) $348,375 (0.8%) 0.65 4,870
    2023-10-01 $277,000 (0.4%) $346,807 (1.9%) 0.65 5,124
    2023-11-01 $275,000 (0.4%) $343,502 (1.7%) 0.65 5,160
    2023-12-01 $274,900 (2.2%) $335,628 (1.9%) 0.67 4,650
    2024-01-01 $277,450 (2.8%) $339,364 (1.7%) 0.68 4,136
    2024-02-01 $287,450 (5.8%) $352,864 (4.7%) 0.69 3,927
    2024-03-01 $292,000 (4.7%) $362,286 (5.5%) 0.69 3,970
    2024-04-01 $294,400 (3.3%) $376,256 (6.0%) 0.68 4,175
    2024-05-01 $307,698 (9.3%) $392,591 (9.7%) 0.70 4,405
    2024-06-01 $309,771 (7.0%) $390,965 (7.8%) 0.70 4,790
    2024-07-01 $307,450 (6.4%) $398,529 (10.8%) 0.70 4,935
    2024-08-01 $301,900 (6.2%) $393,108 (11.5%) 0.70 5,166
    2024-09-01 $299,900 (7.2%) $386,448 (10.9%) 0.71 5,473
    2024-10-01 $299,450 (8.1%) $383,367 (10.5%) 0.70 5,614
    2024-11-01 $289,900 (5.4%) $370,343 (7.8%) 0.70 5,728
    2024-12-01 $277,450 (0.9%) $357,455 (6.5%) 0.69 5,098
    2025-01-01 $274,950 (-0.9%) $351,183 (3.5%) 0.69 4,551
    2025-02-01 $276,799 (-3.7%) $365,337 (3.5%) 0.67 4,469
    2025-03-01 $289,900 (-0.7%) $374,302 (3.3%) 0.68 4,701
    2025-04-01 $294,900 (0.2%) $377,546 (0.3%) 0.68 4,878
    2025-05-01 $299,900 (-2.5%) $380,398 (-3.1%) 0.68 5,258
    2025-06-01 $299,950 (-3.2%) $376,947 (-3.6%) 0.68 5,691
    St. Louis's median listing price for 2025-06-01 was $299,950, a difference of $-9,821 (-3.2%) versus the prior year and $50 versus the prior month.

    St. Louis's median listing price comes in at 68% of the national average.

    St. Louis's average listing price for 2025-06-01 was $376,947, a difference of $-14,018 (-3.6%) versus the prior year and $-3,451 versus the prior month.

    For the 2025-06-01 period, St. Louis had 5,691 MLS listings, a difference of 433 listings (8%) versus the prior month and 901 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - St. Louis (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 79 days 1,651 sqft
    2018-02-01 72 days 1,669 sqft
    2018-03-01 51 days 1,724 sqft
    2018-04-01 51 days 1,754 sqft
    2018-05-01 50 days 1,764 sqft
    2018-06-01 48 days 1,758 sqft
    2018-07-01 50 days 1,746 sqft
    2018-08-01 53 days 1,733 sqft
    2018-09-01 57 days 1,724 sqft
    2018-10-01 59 days 1,710 sqft
    2018-11-01 62 days 1,690 sqft
    2018-12-01 72 days 1,673 sqft
    2019-01-01 82 days 1,651 sqft
    2019-02-01 75 days 1,705 sqft
    2019-03-01 60 days 1,734 sqft
    2019-04-01 47 days 1,745 sqft
    2019-05-01 49 days 1,756 sqft
    2019-06-01 51 days 1,764 sqft
    2019-07-01 53 days 1,753 sqft
    2019-08-01 53 days 1,744 sqft
    2019-09-01 56 days 1,735 sqft
    2019-10-01 57 days 1,728 sqft
    2019-11-01 68 days 1,700 sqft
    2019-12-01 83 days 1,678 sqft
    2020-01-01 85 days 1,653 sqft
    2020-02-01 83 days 1,680 sqft
    2020-03-01 51 days 1,738 sqft
    2020-04-01 56 days 1,761 sqft
    2020-05-01 60 days 1,805 sqft
    2020-06-01 59 days 1,842 sqft
    2020-07-01 53 days 1,845 sqft
    2020-08-01 52 days 1,811 sqft
    2020-09-01 60 days 1,810 sqft
    2020-10-01 60 days 1,776 sqft
    2020-11-01 65 days 1,747 sqft
    2020-12-01 69 days 1,713 sqft
    2021-01-01 64 days 1,728 sqft
    2021-02-01 57 days 1,715 sqft
    2021-03-01 47 days 1,728 sqft
    2021-04-01 41 days 1,731 sqft
    2021-05-01 39 days 1,700 sqft
    2021-06-01 37 days 1,705 sqft
    2021-07-01 35 days 1,708 sqft
    2021-08-01 37 days 1,688 sqft
    2021-09-01 40 days 1,671 sqft
    2021-10-01 42 days 1,638 sqft
    2021-11-01 43 days 1,609 sqft
    2021-12-01 50 days 1,604 sqft
    2022-01-01 53 days 1,600 sqft
    2022-02-01 42 days 1,619 sqft
    2022-03-01 34 days 1,655 sqft
    2022-04-01 32 days 1,651 sqft
    2022-05-01 30 days 1,666 sqft
    2022-06-01 32 days 1,694 sqft
    2022-07-01 35 days 1,680 sqft
    2022-08-01 37 days 1,678 sqft
    2022-09-01 42 days 1,680 sqft
    2022-10-01 41 days 1,680 sqft
    2022-11-01 43 days 1,677 sqft
    2022-12-01 53 days 1,659 sqft
    2023-01-01 64 days 1,652 sqft
    2023-02-01 64 days 1,652 sqft
    2023-03-01 47 days 1,659 sqft
    2023-04-01 39 days 1,698 sqft
    2023-05-01 37 days 1,687 sqft
    2023-06-01 39 days 1,700 sqft
    2023-07-01 38 days 1,680 sqft
    2023-08-01 37 days 1,667 sqft
    2023-09-01 38 days 1,639 sqft
    2023-10-01 42 days 1,644 sqft
    2023-11-01 44 days 1,635 sqft
    2023-12-01 53 days 1,612 sqft
    2024-01-01 59 days 1,612 sqft
    2024-02-01 48 days 1,628 sqft
    2024-03-01 39 days 1,630 sqft
    2024-04-01 35 days 1,663 sqft
    2024-05-01 33 days 1,709 sqft
    2024-06-01 40 days 1,720 sqft
    2024-07-01 39 days 1,720 sqft
    2024-08-01 41 days 1,695 sqft
    2024-09-01 45 days 1,731 sqft
    2024-10-01 46 days 1,828 sqft
    2024-11-01 51 days 1,800 sqft
    2024-12-01 58 days 1,770 sqft
    2025-01-01 62 days 1,779 sqft
    2025-02-01 53 days 1,764 sqft
    2025-03-01 39 days 1,775 sqft
    2025-04-01 39 days 1,663 sqft
    2025-05-01 39 days 1,707 sqft
    2025-06-01 40 days 1,713 sqft
    St. Louis's median listing age (time on market) for 2025-06-01 was 40 days. This is 0% longer than the same period one year ago.

    St. Louis's median square footage for active listings during the 2025-06-01 period was 1,713 sqft. One year prior, the average listing was 1,720 sqft.