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%.

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.