Woodward USDA Loan Rates, Closing Costs & Stats

Woodward, OK

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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.

    Woodward's 7 lenders originated 27 USDA loans during 2023. The total origination value was $3,575,000, with an average USDA loan value of $132,407.

    Woodward USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Woodward averaged 6.69% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Woodward's average USDA mortgage closing costs are $4,386.

    The average rate for the prior week (2025-02-07) was 6.35% and one month ago for the week of 2025-01-10, the average rate was 6.79%.

    The average rate one year ago was 6.59%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.43%.

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

    Woodward 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 Woodward level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUARANTEED RATE, INC. 7 6.88% $6,090
    Gateway First Bank 7 6.75% $4,365
    GUILD MORTGAGE COMPANY 4 6.66% $4,870
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.59% $6,922
    Paramount Residential Mortgage Group, Inc. 2 6.94% $6,786
    INTERLINC MORTGAGE SERVICES, LLC 1 7.75% $7,126
    Stride Bank 1 6.63% $4,418

    The top Woodward USDA lender as defined by loan originations is GUARANTEED RATE, INC., with 7 USDA loans originated. Their average total fees are $6,090, which is $1,725 higher than the next largest lender, Gateway First Bank.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Woodward (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 $156,500 (1.8%) $214,736 (7.8%) 0.00 89
    2018-02-01 $155,750 (4.8%) $198,433 (-0.3%) 0.00 94
    2018-03-01 $149,950 (0.3%) $195,107 (-5.1%) 0.00 93
    2018-04-01 $149,250 (2.9%) $201,094 (-0.6%) 0.00 90
    2018-05-01 $146,500 (-1.7%) $202,374 (1.0%) 0.00 89
    2018-06-01 $146,500 (-2.0%) $214,640 (5.1%) 0.00 104
    2018-07-01 $140,000 (-6.7%) $202,658 (-3.2%) 0.00 112
    2018-08-01 $143,500 (-10.3%) $201,972 (-3.4%) 0.00 119
    2018-09-01 $145,450 (-11.8%) $191,600 (-17.2%) 0.00 125
    2018-10-01 $143,500 (-14.2%) $174,331 (-25.0%) 0.00 120
    2018-11-01 $141,750 (-12.5%) $176,232 (-22.1%) 0.00 109
    2018-12-01 $145,000 (-10.2%) $180,221 (-19.7%) 0.00 101
    2019-01-01 $154,925 (-1.0%) $179,176 (-16.6%) 0.00 102
    2019-02-01 $158,500 (1.8%) $186,063 (-6.2%) 0.00 94
    2019-03-01 $168,050 (12.1%) $195,846 (0.4%) 0.00 83
    2019-04-01 $177,800 (19.1%) $202,441 (0.7%) 0.00 82
    2019-05-01 $172,125 (17.5%) $197,423 (-2.5%) 0.00 83
    2019-06-01 $172,250 (17.6%) $200,455 (-6.6%) 0.00 87
    2019-07-01 $167,500 (19.6%) $197,034 (-2.8%) 0.00 90
    2019-08-01 $156,227 (8.9%) $188,736 (-6.6%) 0.00 93
    2019-09-01 $153,568 (5.6%) $187,408 (-2.2%) 0.00 98
    2019-10-01 $150,750 (5.1%) $186,294 (6.9%) 0.00 101
    2019-11-01 $151,000 (6.5%) $186,691 (5.9%) 0.00 97
    2019-12-01 $147,250 (1.6%) $182,871 (1.5%) 0.00 88
    2020-01-01 $145,000 (-6.4%) $186,784 (4.3%) 0.00 85
    2020-02-01 $145,000 (-8.5%) $177,793 (-4.5%) 0.00 80
    2020-03-01 $148,625 (-11.6%) $179,890 (-8.2%) 0.00 89
    2020-04-01 $150,625 (-15.3%) $196,092 (-3.1%) 0.00 93
    2020-05-01 $152,000 (-11.7%) $197,852 (0.2%) 0.00 87
    2020-06-01 $147,000 (-14.7%) $187,044 (-6.7%) 0.00 109
    2020-07-01 $149,500 (-10.8%) $191,129 (-3.0%) 0.00 106
    2020-08-01 $138,000 (-11.7%) $190,612 (1.0%) 0.00 98
    2020-09-01 $130,000 (-15.4%) $204,835 (9.3%) 0.00 98
    2020-10-01 $125,000 (-17.1%) $199,058 (6.9%) 0.00 89
    2020-11-01 $129,500 (-14.2%) $202,118 (8.3%) 0.00 82
    2020-12-01 $126,000 (-14.4%) $205,999 (12.7%) 0.00 81
    2021-01-01 $116,960 (-19.3%) $204,194 (9.3%) 0.00 74
    2021-02-01 $119,625 (-17.5%) $214,699 (20.8%) 0.00 66
    2021-03-01 $124,250 (-16.4%) $219,663 (22.1%) 0.00 63
    2021-04-01 $119,750 (-20.5%) $208,253 (6.2%) 0.00 72
    2021-05-01 $123,500 (-18.8%) $199,285 (0.7%) 0.00 74
    2021-06-01 $118,250 (-19.6%) $191,566 (2.4%) 0.00 62
    2021-07-01 $141,000 (-5.7%) $202,775 (6.1%) 0.00 59
    2021-08-01 $137,750 (-0.2%) $180,348 (-5.4%) 0.00 67
    2021-09-01 $137,375 (5.7%) $182,064 (-11.1%) 0.00 62
    2021-10-01 $135,000 (8.0%) $192,140 (-3.5%) 0.00 71
    2021-11-01 $130,000 (0.4%) $190,212 (-5.9%) 0.00 66
    2021-12-01 $129,750 (3.0%) $180,947 (-12.2%) 0.00 69
    2022-01-01 $126,500 (8.2%) $182,070 (-10.8%) 0.00 63
    2022-02-01 $118,500 (-0.9%) $169,948 (-20.8%) 0.00 61
    2022-03-01 $124,500 (0.2%) $186,389 (-15.2%) 0.00 67
    2022-04-01 $135,000 (12.7%) $187,725 (-9.9%) 0.00 71
    2022-05-01 $141,250 (14.4%) $199,641 (0.2%) 0.00 68
    2022-06-01 $132,000 (11.6%) $183,719 (-4.1%) 0.00 66
    2022-07-01 $129,000 (-8.5%) $182,726 (-9.9%) 0.00 70
    2022-08-01 $137,125 (-0.5%) $180,314 (0.0%) 0.00 75
    2022-09-01 $133,000 (-3.2%) $178,782 (-1.8%) 0.00 73
    2022-10-01 $126,500 (-6.3%) $182,705 (-4.9%) 0.00 61
    2022-11-01 $141,500 (8.9%) $197,642 (3.9%) 0.00 62
    2022-12-01 $145,000 (11.8%) $200,558 (10.8%) 0.00 62
    2023-01-01 $145,500 (15.0%) $201,508 (10.7%) 0.00 57
    2023-02-01 $159,625 (34.7%) $209,946 (23.5%) 0.00 49
    2023-03-01 $184,888 (48.5%) $218,293 (17.1%) 0.00 41
    2023-04-01 $165,000 (22.2%) $208,010 (10.8%) 0.00 45
    2023-05-01 $155,000 (9.7%) $205,438 (2.9%) 0.00 41
    2023-06-01 $149,750 (13.5%) $201,221 (9.5%) 0.00 44
    2023-07-01 $140,000 (8.5%) $189,288 (3.6%) 0.00 48
    2023-08-01 $142,500 (3.9%) $196,568 (9.0%) 0.00 50
    2023-09-01 $143,500 (7.9%) $207,978 (16.3%) 0.00 51
    2023-10-01 $139,500 (10.3%) $212,635 (16.4%) 0.00 53
    2023-11-01 $140,000 (-1.1%) $219,954 (11.3%) 0.00 57
    2023-12-01 $166,500 (14.8%) $235,226 (17.3%) 0.00 53
    2024-01-01 $161,000 (10.7%) $221,544 (9.9%) 0.00 55
    2024-02-01 $155,000 (-2.9%) $214,914 (2.4%) 0.00 59
    2024-03-01 $162,500 (-12.1%) $220,060 (0.8%) 0.00 62
    2024-04-01 $158,750 (-3.8%) $206,760 (-0.6%) 0.00 64
    2024-05-01 $160,000 (3.2%) $206,446 (0.5%) 0.00 58
    2024-06-01 $177,500 (18.5%) $235,974 (17.3%) 0.00 58
    2024-07-01 $195,375 (39.6%) $233,692 (23.5%) 0.00 64
    2024-08-01 $163,750 (14.9%) $228,015 (16.0%) 0.00 68
    2024-09-01 $156,250 (8.9%) $224,815 (8.1%) 0.00 64
    2024-10-01 $162,125 (16.2%) $228,740 (7.6%) 0.00 64
    2024-11-01 $184,000 (31.4%) $232,879 (5.9%) 0.00 63
    2024-12-01 $165,000 (-0.9%) $223,983 (-4.8%) 0.00 66
    2025-01-01 $167,500 (4.0%) $229,839 (3.7%) 0.00 59
    Woodward's median listing price for 2025-01-01 was $167,500, a difference of $6,500 (4.0%) versus the prior year and $2,500 versus the prior month.

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

    Woodward's average listing price for 2025-01-01 was $229,839, a difference of $8,295 (3.7%) versus the prior year and $5,856 versus the prior month.

    For the 2025-01-01 period, Woodward had 59 MLS listings, a difference of -7 listings (-11%) versus the prior month and 4 listings (7%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Woodward (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,763 sqft
    2018-02-01 0 days 1,779 sqft
    2018-03-01 0 days 1,755 sqft
    2018-04-01 0 days 1,816 sqft
    2018-05-01 0 days 1,807 sqft
    2018-06-01 0 days 1,779 sqft
    2018-07-01 0 days 1,726 sqft
    2018-08-01 0 days 1,761 sqft
    2018-09-01 0 days 1,740 sqft
    2018-10-01 0 days 1,722 sqft
    2018-11-01 0 days 1,714 sqft
    2018-12-01 0 days 1,740 sqft
    2019-01-01 0 days 1,773 sqft
    2019-02-01 0 days 1,791 sqft
    2019-03-01 0 days 1,873 sqft
    2019-04-01 0 days 1,878 sqft
    2019-05-01 0 days 1,876 sqft
    2019-06-01 0 days 1,875 sqft
    2019-07-01 0 days 1,890 sqft
    2019-08-01 0 days 1,827 sqft
    2019-09-01 0 days 1,809 sqft
    2019-10-01 0 days 1,797 sqft
    2019-11-01 0 days 1,803 sqft
    2019-12-01 0 days 1,729 sqft
    2020-01-01 0 days 1,722 sqft
    2020-02-01 0 days 1,634 sqft
    2020-03-01 0 days 1,645 sqft
    2020-04-01 0 days 1,797 sqft
    2020-05-01 0 days 1,810 sqft
    2020-06-01 0 days 1,634 sqft
    2020-07-01 0 days 1,762 sqft
    2020-08-01 0 days 1,650 sqft
    2020-09-01 0 days 1,681 sqft
    2020-10-01 0 days 1,578 sqft
    2020-11-01 0 days 1,607 sqft
    2020-12-01 0 days 1,603 sqft
    2021-01-01 0 days 1,500 sqft
    2021-02-01 0 days 1,523 sqft
    2021-03-01 0 days 1,562 sqft
    2021-04-01 0 days 1,566 sqft
    2021-05-01 0 days 1,558 sqft
    2021-06-01 0 days 1,575 sqft
    2021-07-01 0 days 1,627 sqft
    2021-08-01 0 days 1,597 sqft
    2021-09-01 0 days 1,581 sqft
    2021-10-01 0 days 1,612 sqft
    2021-11-01 0 days 1,615 sqft
    2021-12-01 0 days 1,657 sqft
    2022-01-01 0 days 1,597 sqft
    2022-02-01 0 days 1,586 sqft
    2022-03-01 0 days 1,603 sqft
    2022-04-01 0 days 1,779 sqft
    2022-05-01 0 days 1,779 sqft
    2022-06-01 0 days 1,677 sqft
    2022-07-01 0 days 1,677 sqft
    2022-08-01 0 days 1,658 sqft
    2022-09-01 0 days 1,651 sqft
    2022-10-01 0 days 1,609 sqft
    2022-11-01 0 days 1,715 sqft
    2022-12-01 0 days 1,757 sqft
    2023-01-01 0 days 1,705 sqft
    2023-02-01 0 days 1,719 sqft
    2023-03-01 0 days 1,788 sqft
    2023-04-01 0 days 1,775 sqft
    2023-05-01 0 days 1,772 sqft
    2023-06-01 0 days 1,741 sqft
    2023-07-01 0 days 1,689 sqft
    2023-08-01 0 days 1,751 sqft
    2023-09-01 0 days 1,775 sqft
    2023-10-01 0 days 1,723 sqft
    2023-11-01 0 days 1,713 sqft
    2023-12-01 0 days 1,778 sqft
    2024-01-01 0 days 1,688 sqft
    2024-02-01 0 days 1,601 sqft
    2024-03-01 0 days 1,678 sqft
    2024-04-01 0 days 1,710 sqft
    2024-05-01 0 days 1,718 sqft
    2024-06-01 0 days 1,796 sqft
    2024-07-01 0 days 1,928 sqft
    2024-08-01 0 days 1,812 sqft
    2024-09-01 0 days 1,794 sqft
    2024-10-01 0 days 1,801 sqft
    2024-11-01 0 days 1,840 sqft
    2024-12-01 0 days 1,747 sqft
    2025-01-01 0 days 1,658 sqft
    Woodward's median listing age (time on market) for 2025-01-01 was 0 days.

    Woodward's median square footage for active listings during the 2025-01-01 period was 1,658 sqft. One year prior, the average listing was 1,688 sqft.