Warner Robins USDA Loans

WARNER ROBINS, GA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Warner Robins's 34 lenders originated 106 USDA loans during 2021. The total origination value was $18,610,000, with an average USDA loan value of $175,566.

    Warner Robins USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Warner Robins averaged 5.33% for the week of 2022-05-20, compared to the national average (all USDA variants) of 5.315% for the same period.

    The average rate for the prior week (2022-05-13) was 5.42% and one month ago for the week of 2022-04-15, the average rate was 5.22%.

    The average rate one year ago was 3.26%.

    For refis of the same type during the week of 2022-05-20, the average rate was 4.94%.

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

    Warner Robins USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Warner Robins level.

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    GUILD MORTGAGE COMPANY 12 3.13% $6,426
    HOMESTAR FINANCIAL CORPORATION 11 2.90% $4,551
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 10 3.04% $5,738
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 3.30% $6,430
    BROKER SOLUTIONS, INC. 7 3.14% $4,645
    ANGEL OAK HOME LOANS LLC 4 2.84% $5,111
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 3.22% $5,595
    Ameris Bank 4 2.75% $4,654
    CRESCENT MORTGAGE COMPANY 4 2.81% $6,113
    PENNYMAC LOAN SERVICES, LLC 3 2.79% $5,107
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3 2.96% $5,369
    ACOPIA, LLC 2 3.31% $5,661
    CALIBER HOME LOANS, INC. 2 2.94% $6,690
    CERTAINTY HOME LOANS, LLC 2 2.75% $5,439
    CREDIT UNION FINANCIAL SERVICES, LLC 2 2.75% $5,387
    First Federal Bank 2 3.06% $8,394
    LOANDEPOT.COM, LLC 2 3.38% $5,132
    Network Funding, L.P. 2 3.19% $7,197
    SECURITYNATIONAL MORTGAGE COMPANY 2 2.81% $5,362
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 2 3.13% $7,674
    Synovus Bank 2 3.00% $4,407
    TOWNE MORTGAGE COMPANY 2 3.06% $4,206
    Bank of England 1 2.63% $4,924
    SIGNATURE MORTGAGE CORPORATION 1 3.75% $4,919
    THE MORTGAGE FIRM, INC. 1 3.25% $4,678
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.25% $2,383
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.38% $6,461
    CROSSCOUNTRY MORTGAGE, LLC 1 3.50% $1,120
    STEARNS LENDING, LLC 1 2.75% $6,616
    GMFS LLC 1 2.75% $4,149
    GUARANTY HOME MORTGAGE CORPORATION 1 2.38% $4,681
    Colony Bank 1 3.00% $4,351
    BANKSOUTH MORTGAGE COMPANY, LLC 1 3.38% $3,677
    HOMESPIRE MORTGAGE CORPORATION 1 3.13% $4,801

    The top Warner Robins USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 12 USDA loans originated. Their average total fees are $6,426, which is $1,874 higher than the next largest lender, HOMESTAR FINANCIAL CORPORATION.

    The lowest fee Warner Robins USDA lenders (with over 10 loans originated) are HOMESTAR FINANCIAL CORPORATION ($4,551), ATLANTIC BAY MORTGAGE GROUP, L.L.C. ($5,738), GUILD MORTGAGE COMPANY ($6,426), .

    The lowest rate Warner Robins USDA lenders (with over 10 loans originated) are HOMESTAR FINANCIAL CORPORATION (2.90%), ATLANTIC BAY MORTGAGE GROUP, L.L.C. (3.04%), GUILD MORTGAGE COMPANY (3.13%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Warner Robins (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 $198,900 (26.3%) $209,943 (16.3%) 0.73 1,080
    2018-02-01 $204,400 (26.4%) $213,275 (17.4%) 0.74 1,135
    2018-03-01 $208,900 (26.6%) $214,715 (15.4%) 0.72 1,138
    2018-04-01 $212,994 (26.0%) $216,782 (12.9%) 0.71 1,150
    2018-05-01 $216,644 (19.9%) $219,808 (10.3%) 0.72 1,174
    2018-06-01 $214,900 (16.2%) $219,191 (8.6%) 0.72 1,216
    2018-07-01 $215,900 (16.7%) $219,801 (7.8%) 0.72 1,303
    2018-08-01 $210,500 (11.7%) $219,037 (6.0%) 0.70 1,313
    2018-09-01 $209,900 (10.5%) $214,284 (3.9%) 0.70 1,273
    2018-10-01 $210,000 (8.1%) $214,426 (3.2%) 0.70 1,266
    2018-11-01 $215,894 (12.0%) $217,989 (6.1%) 0.72 1,299
    2018-12-01 $214,900 (10.5%) $213,940 (3.7%) 0.74 1,253
    2019-01-01 $214,745 (8.0%) $213,201 (1.6%) 0.74 1,168
    2019-02-01 $214,195 (4.8%) $212,521 (-0.4%) 0.72 1,142
    2019-03-01 $205,671 (-1.6%) $212,304 (-1.1%) 0.67 1,126
    2019-04-01 $200,000 (-6.1%) $213,489 (-1.5%) 0.63 1,167
    2019-05-01 $199,950 (-7.7%) $213,959 (-2.7%) 0.62 1,174
    2019-06-01 $214,500 (-0.2%) $221,563 (1.1%) 0.66 1,089
    2019-07-01 $207,700 (-3.8%) $220,184 (0.2%) 0.65 1,094
    2019-08-01 $212,043 (0.7%) $223,833 (2.2%) 0.67 1,076
    2019-09-01 $214,950 (2.4%) $227,658 (6.2%) 0.68 1,054
    2019-10-01 $214,950 (2.4%) $226,263 (5.5%) 0.69 1,133
    2019-11-01 $215,000 (-0.4%) $226,912 (4.1%) 0.69 1,102
    2019-12-01 $221,187 (2.9%) $230,418 (7.7%) 0.74 1,076
    2020-01-01 $221,473 (3.1%) $228,433 (7.1%) 0.74 1,064
    2020-02-01 $222,045 (3.7%) $227,825 (7.2%) 0.72 1,025
    2020-03-01 $214,950 (4.5%) $229,205 (8.0%) 0.67 949
    2020-04-01 $210,000 (5.0%) $230,610 (8.0%) 0.65 887
    2020-05-01 $223,900 (12.0%) $233,468 (9.1%) 0.68 815
    2020-06-01 $233,900 (9.0%) $239,694 (8.2%) 0.68 678
    2020-07-01 $239,900 (15.5%) $244,040 (10.8%) 0.69 599
    2020-08-01 $235,000 (10.8%) $239,879 (7.2%) 0.67 613
    2020-09-01 $239,950 (11.6%) $245,032 (7.6%) 0.69 559
    2020-10-01 $242,900 (13.0%) $249,982 (10.5%) 0.69 499
    2020-11-01 $237,063 (10.3%) $249,518 (10.0%) 0.68 505
    2020-12-01 $234,240 (5.9%) $244,679 (6.2%) 0.69 486
    2021-01-01 $241,038 (8.8%) $256,250 (12.2%) 0.71 405
    2021-02-01 $241,250 (8.7%) $259,433 (13.9%) 0.69 368
    2021-03-01 $257,400 (19.8%) $270,377 (18.0%) 0.72 329
    2021-04-01 $269,950 (28.6%) $289,954 (25.7%) 0.73 318
    2021-05-01 $282,900 (26.4%) $293,914 (25.9%) 0.74 333
    2021-06-01 $284,900 (21.8%) $300,927 (25.6%) 0.74 410
    2021-07-01 $269,750 (12.4%) $291,810 (19.6%) 0.70 475
    2021-08-01 $246,379 (4.8%) $273,290 (13.9%) 0.65 504
    2021-09-01 $256,750 (7.0%) $282,047 (15.1%) 0.68 529
    2021-10-01 $246,796 (1.6%) $273,015 (9.2%) 0.65 613
    2021-11-01 $259,759 (9.6%) $280,132 (12.3%) 0.68 575
    2021-12-01 $254,900 (8.8%) $277,775 (13.5%) 0.68 509
    2022-01-01 $265,000 (9.9%) $284,653 (11.1%) 0.71 471
    2022-02-01 $271,500 (12.5%) $300,321 (15.8%) 0.69 451
    2022-03-01 $274,500 (6.6%) $300,692 (11.2%) 0.68 462
    2022-04-01 $272,000 (0.8%) $298,585 (3.0%) 0.64 468
    Warner Robins's median listing price for 2022-04-01 was $272,000, a difference of $2,050 (0.8%) versus the prior year and $-2,500 versus the prior month.

    Warner Robins's median listing price comes in at 64% of the national average.

    Warner Robins's average listing price for 2022-04-01 was $298,585, a difference of $8,631 (3.0%) versus the prior year and $-2,107 versus the prior month.

    For the 2022-04-01 period, Warner Robins had 468 MLS listings, a difference of 6 listings (1%) versus the prior month and 150 listings (47%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Warner Robins (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 87 days 2,283 sqft
    2018-02-01 71 days 2,307 sqft
    2018-03-01 58 days 2,310 sqft
    2018-04-01 64 days 2,340 sqft
    2018-05-01 67 days 2,393 sqft
    2018-06-01 72 days 2,379 sqft
    2018-07-01 66 days 2,330 sqft
    2018-08-01 64 days 2,334 sqft
    2018-09-01 72 days 2,332 sqft
    2018-10-01 83 days 2,332 sqft
    2018-11-01 88 days 2,339 sqft
    2018-12-01 93 days 2,326 sqft
    2019-01-01 97 days 2,312 sqft
    2019-02-01 92 days 2,310 sqft
    2019-03-01 66 days 2,316 sqft
    2019-04-01 64 days 2,325 sqft
    2019-05-01 58 days 2,306 sqft
    2019-06-01 59 days 2,310 sqft
    2019-07-01 59 days 2,294 sqft
    2019-08-01 59 days 2,305 sqft
    2019-09-01 56 days 2,306 sqft
    2019-10-01 61 days 2,293 sqft
    2019-11-01 63 days 2,280 sqft
    2019-12-01 68 days 2,296 sqft
    2020-01-01 76 days 2,329 sqft
    2020-02-01 67 days 2,347 sqft
    2020-03-01 59 days 2,286 sqft
    2020-04-01 62 days 2,210 sqft
    2020-05-01 66 days 2,280 sqft
    2020-06-01 58 days 2,395 sqft
    2020-07-01 49 days 2,405 sqft
    2020-08-01 42 days 2,316 sqft
    2020-09-01 52 days 2,395 sqft
    2020-10-01 50 days 2,392 sqft
    2020-11-01 39 days 2,372 sqft
    2020-12-01 45 days 2,277 sqft
    2021-01-01 54 days 2,376 sqft
    2021-02-01 48 days 2,334 sqft
    2021-03-01 34 days 2,413 sqft
    2021-04-01 36 days 2,500 sqft
    2021-05-01 36 days 2,456 sqft
    2021-06-01 34 days 2,504 sqft
    2021-07-01 31 days 2,487 sqft
    2021-08-01 49 days 2,208 sqft
    2021-09-01 42 days 2,253 sqft
    2021-10-01 36 days 2,012 sqft
    2021-11-01 46 days 2,117 sqft
    2021-12-01 56 days 2,112 sqft
    2022-01-01 61 days 2,150 sqft
    2022-02-01 45 days 2,000 sqft
    2022-03-01 44 days 2,135 sqft
    2022-04-01 39 days 2,076 sqft
    Warner Robins's median listing age (time on market) for 2022-04-01 was 39 days. This is 8% longer than the same period one year ago.

    Warner Robins's median square footage for active listings during the 2022-04-01 period was 2,076 sqft. One year prior, the average listing was 2,500 sqft.