Sunbury USDA Loan Rates, Closing Costs & Stats

Sunbury, PA

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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.

    Sunbury's 13 lenders originated 44 USDA loans during 2023. The total origination value was $5,800,000, with an average USDA loan value of $131,818.

    Sunbury USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Sunbury averaged 6.85% for the week of 2024-04-12, compared to the national average (all USDA variants) of 6.705% for the same period.

    Sunbury's average USDA mortgage closing costs are $5,863.

    The average rate for the prior week (2024-04-05) was 6.37% and one month ago for the week of 2024-03-08, the average rate was 6.43%.

    The average rate one year ago was 6.14%.

    For refis of the same type during the week of 2024-04-12, the average rate was 7.98%.

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

    Sunbury 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 Sunbury level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    ALLIED MORTGAGE GROUP, INC. 13 6.27% $9,352
    AMERICAN FINANCIAL RESOURCES, INC. 6 6.40% $7,166
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.70% $5,509
    Mortgage America, Inc. 4 6.41% $4,981
    Equity Prime Mortgage LLC 1 6.75% $5,230
    FIRST HERITAGE FINANCIAL, LLC 1 6.49% $4,807
    Keystone Funding, Inc. 1 6.13% $8,072
    TOWNE MORTGAGE COMPANY 1 6.13% $4,486
    UNION HOME MORTGAGE CORP. 1 7.38% $7,628
    UNITED WHOLESALE MORTGAGE, LLC 1 6.74% $14,166
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.63% $8,023
    Century Mortgage Company DBA Century Lending Company 1 7.13% $5,610
    Citizens Bank 1 5.63% $8,955

    The top Sunbury USDA lender as defined by loan originations is ALLIED MORTGAGE GROUP, INC., with 13 USDA loans originated. Their average total fees are $9,352, which is $2,186 higher than the next largest lender, AMERICAN FINANCIAL RESOURCES, INC..

    The lowest fee Sunbury USDA lenders (with over 10 loans originated) are ALLIED MORTGAGE GROUP, INC. ($9,352), .

    The lowest rate Sunbury USDA lenders (with over 10 loans originated) are ALLIED MORTGAGE GROUP, INC. (6.27%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Sunbury (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 $98,950 (21.4%) $123,915 (5.4%) 0.00 318
    2018-02-01 $99,225 (16.8%) $124,949 (5.4%) 0.00 293
    2018-03-01 $99,900 (11.5%) $130,504 (4.3%) 0.00 296
    2018-04-01 $99,950 (1.2%) $136,196 (0.5%) 0.00 309
    2018-05-01 $101,400 (2.0%) $136,819 (2.2%) 0.00 295
    2018-06-01 $98,900 (0.2%) $134,963 (3.4%) 0.00 295
    2018-07-01 $99,300 (10.5%) $132,907 (8.1%) 0.00 313
    2018-08-01 $98,225 (9.3%) $130,150 (3.9%) 0.00 313
    2018-09-01 $99,900 (11.1%) $134,708 (10.1%) 0.00 299
    2018-10-01 $106,000 (17.9%) $132,997 (6.7%) 0.00 300
    2018-11-01 $111,500 (15.0%) $138,444 (11.8%) 0.00 301
    2018-12-01 $109,900 (11.1%) $138,822 (12.1%) 0.00 289
    2019-01-01 $113,250 (14.5%) $137,553 (11.0%) 0.00 271
    2019-02-01 $112,200 (13.1%) $138,422 (10.8%) 0.00 276
    2019-03-01 $115,100 (15.2%) $139,712 (7.1%) 0.00 272
    2019-04-01 $107,450 (7.5%) $139,416 (2.4%) 0.00 263
    2019-05-01 $109,750 (8.2%) $142,835 (4.4%) 0.00 265
    2019-06-01 $110,000 (11.2%) $145,370 (7.7%) 0.00 278
    2019-07-01 $112,075 (12.9%) $141,721 (6.6%) 0.00 289
    2019-08-01 $104,964 (6.9%) $136,155 (4.6%) 0.00 284
    2019-09-01 $99,359 (-0.5%) $133,318 (-1.0%) 0.00 270
    2019-10-01 $92,288 (-12.9%) $131,423 (-1.2%) 0.00 261
    2019-11-01 $85,750 (-23.1%) $128,955 (-6.9%) 0.00 263
    2019-12-01 $82,850 (-24.6%) $127,133 (-8.4%) 0.00 253
    2020-01-01 $85,625 (-24.4%) $129,091 (-6.2%) 0.00 233
    2020-02-01 $75,000 (-33.2%) $126,413 (-8.7%) 0.00 219
    2020-03-01 $75,000 (-34.8%) $134,104 (-4.0%) 0.00 224
    2020-04-01 $88,000 (-18.1%) $141,600 (1.6%) 0.00 211
    2020-05-01 $97,500 (-11.2%) $147,208 (3.1%) 0.00 202
    2020-06-01 $96,575 (-12.2%) $159,800 (9.9%) 0.00 176
    2020-07-01 $119,900 (7.0%) $162,106 (14.4%) 0.00 177
    2020-08-01 $112,950 (7.6%) $155,198 (14.0%) 0.00 170
    2020-09-01 $98,100 (-1.3%) $147,513 (10.7%) 0.00 148
    2020-10-01 $94,750 (2.7%) $141,193 (7.4%) 0.00 127
    2020-11-01 $96,500 (12.5%) $138,940 (7.7%) 0.00 124
    2020-12-01 $99,266 (19.8%) $133,448 (5.0%) 0.00 108
    2021-01-01 $96,500 (12.7%) $138,549 (7.3%) 0.00 97
    2021-02-01 $83,700 (11.6%) $134,113 (6.1%) 0.00 86
    2021-03-01 $93,900 (25.2%) $152,928 (14.0%) 0.00 86
    2021-04-01 $115,150 (30.9%) $167,169 (18.1%) 0.00 82
    2021-05-01 $96,900 (-0.6%) $168,271 (14.3%) 0.00 83
    2021-06-01 $81,200 (-15.9%) $146,107 (-8.6%) 0.00 96
    2021-07-01 $87,450 (-27.1%) $150,349 (-7.3%) 0.00 120
    2021-08-01 $79,900 (-29.3%) $129,629 (-16.5%) 0.00 121
    2021-09-01 $87,475 (-10.8%) $143,967 (-2.4%) 0.00 117
    2021-10-01 $94,950 (0.2%) $155,767 (10.3%) 0.00 116
    2021-11-01 $85,750 (-11.1%) $141,577 (1.9%) 0.00 122
    2021-12-01 $85,000 (-14.4%) $147,281 (10.4%) 0.00 112
    2022-01-01 $84,900 (-12.0%) $139,849 (0.9%) 0.00 98
    2022-02-01 $74,450 (-11.1%) $131,133 (-2.2%) 0.00 76
    2022-03-01 $82,825 (-11.8%) $165,280 (8.1%) 0.00 70
    2022-04-01 $80,000 (-30.5%) $176,609 (5.7%) 0.00 78
    2022-05-01 $84,950 (-12.3%) $167,171 (-0.7%) 0.00 99
    2022-06-01 $107,370 (32.2%) $185,664 (27.1%) 0.00 122
    2022-07-01 $109,950 (25.7%) $180,430 (20.0%) 0.00 130
    2022-08-01 $109,000 (36.4%) $175,596 (35.5%) 0.00 141
    2022-09-01 $107,475 (22.9%) $167,326 (16.2%) 0.00 154
    2022-10-01 $102,443 (7.9%) $158,100 (1.5%) 0.00 157
    2022-11-01 $99,225 (15.7%) $148,648 (5.0%) 0.00 165
    2022-12-01 $97,000 (14.1%) $148,891 (1.1%) 0.00 159
    2023-01-01 $122,400 (44.2%) $149,633 (7.0%) 0.00 154
    2023-02-01 $99,500 (33.7%) $142,781 (8.9%) 0.00 128
    2023-03-01 $108,750 (31.3%) $146,668 (-11.3%) 0.00 108
    2023-04-01 $118,000 (47.5%) $163,488 (-7.4%) 0.00 111
    2023-05-01 $131,175 (54.4%) $185,955 (11.2%) 0.00 108
    2023-06-01 $137,475 (28.0%) $192,506 (3.7%) 0.00 123
    2023-07-01 $125,000 (13.7%) $194,026 (7.5%) 0.00 122
    2023-08-01 $105,700 (-3.0%) $191,067 (8.8%) 0.00 126
    2023-09-01 $139,900 (30.2%) $183,186 (9.5%) 0.00 134
    2023-10-01 $137,000 (33.7%) $179,999 (13.9%) 0.00 129
    2023-11-01 $146,675 (47.8%) $196,110 (31.9%) 0.00 124
    2023-12-01 $149,900 (54.5%) $202,003 (35.7%) 0.00 125
    2024-01-01 $149,925 (22.5%) $205,147 (37.1%) 0.00 106
    2024-02-01 $151,200 (52.0%) $200,189 (40.2%) 0.00 108
    2024-03-01 $172,500 (58.6%) $207,356 (41.4%) 0.00 110
    Sunbury's median listing price for 2024-03-01 was $172,500, a difference of $63,750 (58.6%) versus the prior year and $21,300 versus the prior month.

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

    Sunbury's average listing price for 2024-03-01 was $207,356, a difference of $60,688 (41.4%) versus the prior year and $7,167 versus the prior month.

    For the 2024-03-01 period, Sunbury had 110 MLS listings, a difference of 2 listings (2%) versus the prior month and 2 listings (2%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sunbury (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,440 sqft
    2018-02-01 0 days 1,456 sqft
    2018-03-01 0 days 1,480 sqft
    2018-04-01 0 days 1,500 sqft
    2018-05-01 0 days 1,536 sqft
    2018-06-01 0 days 1,560 sqft
    2018-07-01 0 days 1,536 sqft
    2018-08-01 0 days 1,536 sqft
    2018-09-01 0 days 1,512 sqft
    2018-10-01 0 days 1,518 sqft
    2018-11-01 0 days 1,558 sqft
    2018-12-01 0 days 1,582 sqft
    2019-01-01 0 days 1,583 sqft
    2019-02-01 0 days 1,552 sqft
    2019-03-01 0 days 1,570 sqft
    2019-04-01 0 days 1,590 sqft
    2019-05-01 0 days 1,633 sqft
    2019-06-01 0 days 1,628 sqft
    2019-07-01 0 days 1,631 sqft
    2019-08-01 0 days 1,600 sqft
    2019-09-01 0 days 1,582 sqft
    2019-10-01 0 days 1,565 sqft
    2019-11-01 0 days 1,560 sqft
    2019-12-01 0 days 1,536 sqft
    2020-01-01 0 days 1,548 sqft
    2020-02-01 0 days 1,467 sqft
    2020-03-01 0 days 1,560 sqft
    2020-04-01 0 days 1,578 sqft
    2020-05-01 0 days 1,624 sqft
    2020-06-01 0 days 1,660 sqft
    2020-07-01 0 days 1,714 sqft
    2020-08-01 0 days 1,646 sqft
    2020-09-01 0 days 1,595 sqft
    2020-10-01 0 days 1,572 sqft
    2020-11-01 0 days 1,557 sqft
    2020-12-01 0 days 1,526 sqft
    2021-01-01 0 days 1,572 sqft
    2021-02-01 0 days 1,577 sqft
    2021-03-01 0 days 1,525 sqft
    2021-04-01 0 days 1,540 sqft
    2021-05-01 0 days 1,376 sqft
    2021-06-01 0 days 1,374 sqft
    2021-07-01 0 days 1,414 sqft
    2021-08-01 0 days 1,362 sqft
    2021-09-01 0 days 1,406 sqft
    2021-10-01 0 days 1,496 sqft
    2021-11-01 0 days 1,470 sqft
    2021-12-01 0 days 1,410 sqft
    2022-01-01 0 days 1,398 sqft
    2022-02-01 0 days 1,346 sqft
    2022-03-01 0 days 1,479 sqft
    2022-04-01 0 days 1,440 sqft
    2022-05-01 0 days 1,405 sqft
    2022-06-01 0 days 1,590 sqft
    2022-07-01 0 days 1,590 sqft
    2022-08-01 0 days 1,544 sqft
    2022-09-01 0 days 1,526 sqft
    2022-10-01 0 days 1,510 sqft
    2022-11-01 0 days 1,500 sqft
    2022-12-01 0 days 1,536 sqft
    2023-01-01 0 days 1,526 sqft
    2023-02-01 0 days 1,433 sqft
    2023-03-01 0 days 1,414 sqft
    2023-04-01 0 days 1,412 sqft
    2023-05-01 0 days 1,574 sqft
    2023-06-01 0 days 1,627 sqft
    2023-07-01 0 days 1,512 sqft
    2023-08-01 0 days 1,538 sqft
    2023-09-01 0 days 1,576 sqft
    2023-10-01 0 days 1,554 sqft
    2023-11-01 0 days 1,547 sqft
    2023-12-01 0 days 1,527 sqft
    2024-01-01 0 days 1,541 sqft
    2024-02-01 0 days 1,565 sqft
    2024-03-01 0 days 1,560 sqft
    Sunbury's median listing age (time on market) for 2024-03-01 was 0 days.

    Sunbury's median square footage for active listings during the 2024-03-01 period was 1,560 sqft. One year prior, the average listing was 1,414 sqft.