Warner Robins USDA Loans
WARNER ROBINS, GA
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%.
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.
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. LouisDate | 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 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. LouisDate | 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 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.