Warren USDA Loan Rates, Closing Costs & Stats

Warren, 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.

    Warren's 5 lenders originated 9 USDA loans during 2023. The total origination value was $1,235,000, with an average USDA loan value of $137,222.

    Warren USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Warren averaged 0.08% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Warren's average USDA mortgage closing costs are $4,850.

    The average rate for the prior week (2024-11-08) was 6.74% and one month ago for the week of 2024-10-11, the average rate was 6.1%.

    The average rate one year ago was 7.53%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.1%.

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

    Warren 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 Warren level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Northwest Bank 2 6.69% $4,091
    PLAZA HOME MORTGAGE, INC. 2 6.38% $8,739
    TIDEWATER MORTGAGE SERVICES, INC. 2 6.88% $6,622
    First Commonwealth Bank 1 6.75% $5,659
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 6.63% $7,933

    The top Warren USDA lender as defined by loan originations is Northwest Bank, with 2 USDA loans originated. Their average total fees are $4,091, which is $4,648 lower than the next largest lender, PLAZA HOME MORTGAGE, INC..

    The lowest fee Warren USDA lenders (with over 10 loans originated) are .

    The lowest rate Warren USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Warren (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 $64,975 (-5.8%) $157,359 (57.4%) 0.00 214
    2018-02-01 $63,925 (-7.4%) $126,011 (28.6%) 0.00 213
    2018-03-01 $67,450 (-2.4%) $126,473 (21.7%) 0.00 217
    2018-04-01 $67,925 (4.7%) $129,660 (26.3%) 0.00 211
    2018-05-01 $67,725 (-0.8%) $128,248 (12.7%) 0.00 211
    2018-06-01 $74,900 (7.5%) $140,100 (22.4%) 0.00 207
    2018-07-01 $105,175 (33.1%) $172,886 (46.6%) 0.00 150
    2018-08-01 $104,675 (38.7%) $166,748 (-1.0%) 0.00 169
    2018-09-01 $99,900 (33.2%) $158,889 (-3.5%) 0.00 175
    2018-10-01 $93,575 (29.5%) $159,535 (-0.7%) 0.00 181
    2018-11-01 $95,950 (37.3%) $158,723 (2.0%) 0.00 181
    2018-12-01 $97,500 (40.9%) $162,302 (6.6%) 0.00 169
    2019-01-01 $90,850 (39.8%) $148,732 (-5.5%) 0.00 155
    2019-02-01 $91,175 (42.6%) $153,092 (21.5%) 0.00 148
    2019-03-01 $78,986 (17.1%) $140,163 (10.8%) 0.00 170
    2019-04-01 $63,150 (-7.0%) $122,802 (-5.3%) 0.00 203
    2019-05-01 $61,950 (-8.5%) $117,488 (-8.4%) 0.00 201
    2019-06-01 $65,000 (-13.2%) $120,645 (-13.9%) 0.00 204
    2019-07-01 $65,000 (-38.2%) $120,656 (-30.2%) 0.00 204
    2019-08-01 $63,609 (-39.2%) $115,831 (-30.5%) 0.00 206
    2019-09-01 $61,523 (-38.4%) $106,249 (-33.1%) 0.00 210
    2019-10-01 $62,682 (-33.0%) $100,910 (-36.8%) 0.00 215
    2019-11-01 $69,900 (-27.2%) $104,826 (-34.0%) 0.00 205
    2019-12-01 $64,675 (-33.7%) $104,701 (-35.5%) 0.00 191
    2020-01-01 $66,975 (-26.3%) $106,272 (-28.6%) 0.00 178
    2020-02-01 $63,900 (-29.9%) $104,276 (-31.9%) 0.00 161
    2020-03-01 $63,100 (-20.1%) $105,483 (-24.7%) 0.00 159
    2020-04-01 $65,925 (4.4%) $109,276 (-11.0%) 0.00 155
    2020-05-01 $65,000 (4.9%) $113,077 (-3.8%) 0.00 151
    2020-06-01 $57,400 (-11.7%) $110,290 (-8.6%) 0.00 138
    2020-07-01 $54,225 (-16.6%) $111,902 (-7.3%) 0.00 139
    2020-08-01 $53,000 (-16.7%) $118,585 (2.4%) 0.00 129
    2020-09-01 $50,425 (-18.0%) $115,588 (8.8%) 0.00 119
    2020-10-01 $55,500 (-11.5%) $121,558 (20.5%) 0.00 106
    2020-11-01 $50,750 (-27.4%) $114,686 (9.4%) 0.00 103
    2020-12-01 $50,500 (-21.9%) $116,164 (11.0%) 0.00 101
    2021-01-01 $52,000 (-22.4%) $107,055 (0.7%) 0.00 93
    2021-02-01 $54,175 (-15.2%) $106,427 (2.1%) 0.00 96
    2021-03-01 $44,425 (-29.6%) $112,958 (7.1%) 0.00 89
    2021-04-01 $41,000 (-37.8%) $108,275 (-0.9%) 0.00 88
    2021-05-01 $46,000 (-29.2%) $112,062 (-0.9%) 0.00 87
    2021-06-01 $46,225 (-19.5%) $109,001 (-1.2%) 0.00 86
    2021-07-01 $108,450 (100.0%) $164,234 (46.8%) 0.00 56
    2021-08-01 $114,900 (116.8%) $175,148 (47.7%) 0.00 51
    2021-09-01 $126,825 (151.5%) $165,980 (43.6%) 0.00 52
    2021-10-01 $126,500 (127.9%) $164,086 (35.0%) 0.00 48
    2021-11-01 $123,975 (144.3%) $156,730 (36.7%) 0.00 49
    2021-12-01 $127,450 (152.4%) $179,387 (54.4%) 0.00 47
    2022-01-01 $129,500 (149.0%) $194,789 (82.0%) 0.00 30
    2022-02-01 $123,400 (127.8%) $175,614 (65.0%) 0.00 20
    2022-03-01 $129,925 (192.5%) $183,316 (62.3%) 0.00 27
    2022-04-01 $143,500 (250.0%) $212,770 (96.5%) 0.00 22
    2022-05-01 $135,000 (193.5%) $235,572 (110.2%) 0.00 28
    2022-06-01 $167,450 (262.3%) $225,930 (107.3%) 0.00 40
    2022-07-01 $180,000 (66.0%) $228,981 (39.4%) 0.00 49
    2022-08-01 $174,950 (52.3%) $213,128 (21.7%) 0.00 59
    2022-09-01 $157,475 (24.2%) $198,012 (19.3%) 0.00 58
    2022-10-01 $150,000 (18.6%) $206,382 (25.8%) 0.00 61
    2022-11-01 $132,250 (6.7%) $192,474 (22.8%) 0.00 58
    2022-12-01 $137,500 (7.9%) $192,885 (7.5%) 0.00 53
    2023-01-01 $140,075 (8.2%) $179,289 (-8.0%) 0.00 49
    2023-02-01 $142,300 (15.3%) $163,276 (-7.0%) 0.00 49
    2023-03-01 $129,675 (-0.2%) $155,921 (-14.9%) 0.00 49
    2023-04-01 $139,900 (-2.5%) $174,962 (-17.8%) 0.00 42
    2023-05-01 $114,400 (-15.3%) $181,245 (-23.1%) 0.00 37
    2023-06-01 $130,550 (-22.0%) $202,983 (-10.2%) 0.00 43
    2023-07-01 $162,450 (-9.8%) $251,423 (9.8%) 0.00 53
    2023-08-01 $144,900 (-17.2%) $240,731 (13.0%) 0.00 52
    2023-09-01 $146,824 (-6.8%) $236,490 (19.4%) 0.00 56
    2023-10-01 $146,824 (-2.1%) $229,014 (11.0%) 0.00 53
    2023-11-01 $188,500 (42.5%) $247,017 (28.3%) 0.00 57
    2023-12-01 $188,000 (36.7%) $245,409 (27.2%) 0.00 51
    2024-01-01 $177,450 (26.7%) $250,830 (39.9%) 0.00 49
    2024-02-01 $165,000 (16.0%) $221,179 (35.5%) 0.00 51
    2024-03-01 $175,000 (35.0%) $228,932 (46.8%) 0.00 48
    2024-04-01 $162,450 (16.1%) $223,323 (27.6%) 0.00 49
    2024-05-01 $177,200 (54.9%) $241,679 (33.3%) 0.00 49
    2024-06-01 $204,000 (56.3%) $260,926 (28.6%) 0.00 52
    2024-07-01 $210,700 (29.7%) $261,637 (4.1%) 0.00 50
    2024-08-01 $186,500 (28.7%) $275,656 (14.5%) 0.00 54
    2024-09-01 $145,000 (-1.2%) $229,198 (-3.1%) 0.00 71
    2024-10-01 $142,200 (-3.2%) $305,376 (33.3%) 0.00 73
    Warren's median listing price for 2024-10-01 was $142,200, a difference of $-4,624 (-3.2%) versus the prior year and $-2,800 versus the prior month.

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

    Warren's average listing price for 2024-10-01 was $305,376, a difference of $76,362 (33.3%) versus the prior year and $76,178 versus the prior month.

    For the 2024-10-01 period, Warren had 73 MLS listings, a difference of 2 listings (3%) versus the prior month and 20 listings (38%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Warren (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,632 sqft
    2018-02-01 0 days 1,628 sqft
    2018-03-01 0 days 1,602 sqft
    2018-04-01 0 days 1,590 sqft
    2018-05-01 0 days 1,580 sqft
    2018-06-01 0 days 1,600 sqft
    2018-07-01 0 days 1,621 sqft
    2018-08-01 0 days 1,584 sqft
    2018-09-01 0 days 1,557 sqft
    2018-10-01 0 days 1,545 sqft
    2018-11-01 0 days 1,569 sqft
    2018-12-01 0 days 1,587 sqft
    2019-01-01 0 days 1,570 sqft
    2019-02-01 0 days 1,567 sqft
    2019-03-01 0 days 1,568 sqft
    2019-04-01 0 days 1,591 sqft
    2019-05-01 0 days 1,592 sqft
    2019-06-01 0 days 1,569 sqft
    2019-07-01 0 days 1,567 sqft
    2019-08-01 0 days 1,552 sqft
    2019-09-01 0 days 1,538 sqft
    2019-10-01 0 days 1,529 sqft
    2019-11-01 0 days 1,520 sqft
    2019-12-01 0 days 1,524 sqft
    2020-01-01 0 days 1,620 sqft
    2020-02-01 0 days 1,632 sqft
    2020-03-01 0 days 1,636 sqft
    2020-04-01 0 days 1,654 sqft
    2020-05-01 0 days 1,727 sqft
    2020-06-01 0 days 1,697 sqft
    2020-07-01 0 days 1,645 sqft
    2020-08-01 0 days 1,648 sqft
    2020-09-01 0 days 1,552 sqft
    2020-10-01 0 days 1,584 sqft
    2020-11-01 0 days 1,597 sqft
    2020-12-01 0 days 1,532 sqft
    2021-01-01 0 days 1,644 sqft
    2021-02-01 0 days 1,716 sqft
    2021-03-01 0 days 1,705 sqft
    2021-04-01 0 days 1,640 sqft
    2021-05-01 0 days 1,677 sqft
    2021-06-01 0 days 1,615 sqft
    2021-07-01 0 days 1,564 sqft
    2021-08-01 0 days 1,635 sqft
    2021-09-01 0 days 1,486 sqft
    2021-10-01 0 days 1,515 sqft
    2021-11-01 0 days 1,485 sqft
    2021-12-01 0 days 1,482 sqft
    2022-01-01 0 days 1,541 sqft
    2022-02-01 0 days 1,658 sqft
    2022-03-01 0 days 1,848 sqft
    2022-04-01 0 days 2,016 sqft
    2022-05-01 0 days 1,829 sqft
    2022-06-01 0 days 1,721 sqft
    2022-07-01 0 days 1,900 sqft
    2022-08-01 0 days 1,752 sqft
    2022-09-01 0 days 1,814 sqft
    2022-10-01 0 days 1,645 sqft
    2022-11-01 0 days 1,677 sqft
    2022-12-01 0 days 1,666 sqft
    2023-01-01 0 days 1,641 sqft
    2023-02-01 0 days 1,658 sqft
    2023-03-01 0 days 1,639 sqft
    2023-04-01 0 days 1,657 sqft
    2023-05-01 0 days 1,647 sqft
    2023-06-01 0 days 1,642 sqft
    2023-07-01 0 days 1,744 sqft
    2023-08-01 0 days 1,722 sqft
    2023-09-01 0 days 1,650 sqft
    2023-10-01 0 days 1,682 sqft
    2023-11-01 0 days 1,647 sqft
    2023-12-01 0 days 1,770 sqft
    2024-01-01 0 days 1,787 sqft
    2024-02-01 0 days 1,745 sqft
    2024-03-01 0 days 1,786 sqft
    2024-04-01 0 days 1,555 sqft
    2024-05-01 0 days 1,826 sqft
    2024-06-01 0 days 1,895 sqft
    2024-07-01 0 days 2,019 sqft
    2024-08-01 0 days 1,900 sqft
    2024-09-01 0 days 1,632 sqft
    2024-10-01 0 days 1,663 sqft
    Warren's median listing age (time on market) for 2024-10-01 was 0 days.

    Warren's median square footage for active listings during the 2024-10-01 period was 1,663 sqft. One year prior, the average listing was 1,682 sqft.