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 6.47% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

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

    The average rate for the prior week (2024-12-06) was 6.4% and one month ago for the week of 2024-11-08, the average rate was 6.52%.

    The average rate one year ago was 6.79%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.2%.

    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 $140,000 (-3.1%) $189,345 (2.5%) 0.00 113
    2018-02-01 $139,750 (0.5%) $177,985 (-2.9%) 0.00 117
    2018-03-01 $139,500 (-0.4%) $176,067 (-5.4%) 0.00 116
    2018-04-01 $135,500 (3.0%) $180,288 (-0.7%) 0.00 112
    2018-05-01 $131,875 (0.3%) $179,124 (0.8%) 0.00 113
    2018-06-01 $130,000 (0.2%) $186,156 (2.6%) 0.00 133
    2018-07-01 $125,000 (-3.5%) $176,533 (-5.5%) 0.00 147
    2018-08-01 $125,000 (-6.9%) $177,479 (-5.0%) 0.00 154
    2018-09-01 $128,000 (-14.7%) $172,782 (-15.7%) 0.00 154
    2018-10-01 $120,000 (-20.5%) $159,511 (-22.1%) 0.00 146
    2018-11-01 $120,000 (-15.0%) $160,756 (-18.8%) 0.00 135
    2018-12-01 $120,000 (-9.4%) $164,555 (-15.2%) 0.00 125
    2019-01-01 $124,625 (-11.0%) $164,251 (-13.3%) 0.00 124
    2019-02-01 $136,000 (-2.7%) $168,625 (-5.3%) 0.00 116
    2019-03-01 $147,957 (6.1%) $181,563 (3.1%) 0.00 106
    2019-04-01 $158,225 (16.8%) $188,042 (4.3%) 0.00 104
    2019-05-01 $156,375 (18.6%) $184,640 (3.1%) 0.00 105
    2019-06-01 $155,000 (19.2%) $187,666 (0.8%) 0.00 111
    2019-07-01 $157,450 (26.0%) $184,752 (4.7%) 0.00 116
    2019-08-01 $147,818 (18.3%) $177,253 (-0.1%) 0.00 117
    2019-09-01 $146,795 (14.7%) $176,121 (1.9%) 0.00 122
    2019-10-01 $145,250 (21.0%) $175,218 (9.9%) 0.00 124
    2019-11-01 $143,500 (19.6%) $172,341 (7.2%) 0.00 123
    2019-12-01 $140,500 (17.1%) $170,999 (3.9%) 0.00 103
    2020-01-01 $140,000 (12.3%) $171,800 (4.6%) 0.00 102
    2020-02-01 $137,500 (1.1%) $164,779 (-2.3%) 0.00 98
    2020-03-01 $140,000 (-5.4%) $167,243 (-7.9%) 0.00 111
    2020-04-01 $143,750 (-9.2%) $178,586 (-5.0%) 0.00 115
    2020-05-01 $140,000 (-10.5%) $180,810 (-2.1%) 0.00 111
    2020-06-01 $136,125 (-12.2%) $171,595 (-8.6%) 0.00 131
    2020-07-01 $136,000 (-13.6%) $174,374 (-5.6%) 0.00 128
    2020-08-01 $130,000 (-12.1%) $175,318 (-1.1%) 0.00 121
    2020-09-01 $120,000 (-18.3%) $187,041 (6.2%) 0.00 120
    2020-10-01 $114,500 (-21.2%) $181,603 (3.6%) 0.00 110
    2020-11-01 $120,000 (-16.4%) $186,551 (8.3%) 0.00 99
    2020-12-01 $118,875 (-15.4%) $190,564 (11.4%) 0.00 96
    2021-01-01 $110,000 (-21.4%) $187,319 (9.0%) 0.00 88
    2021-02-01 $115,000 (-16.4%) $197,973 (20.1%) 0.00 80
    2021-03-01 $115,750 (-17.3%) $201,587 (20.5%) 0.00 75
    2021-04-01 $113,750 (-20.9%) $193,510 (8.4%) 0.00 84
    2021-05-01 $116,000 (-17.1%) $186,900 (3.4%) 0.00 88
    2021-06-01 $115,000 (-15.5%) $183,183 (6.8%) 0.00 70
    2021-07-01 $130,750 (-3.9%) $187,845 (7.7%) 0.00 69
    2021-08-01 $127,000 (-2.3%) $166,959 (-4.8%) 0.00 76
    2021-09-01 $128,500 (7.1%) $168,370 (-10.0%) 0.00 72
    2021-10-01 $135,000 (17.9%) $181,459 (-0.1%) 0.00 82
    2021-11-01 $130,625 (8.9%) $182,089 (-2.4%) 0.00 77
    2021-12-01 $129,625 (9.0%) $174,136 (-8.6%) 0.00 78
    2022-01-01 $129,000 (17.3%) $176,491 (-5.8%) 0.00 69
    2022-02-01 $117,500 (2.2%) $162,324 (-18.0%) 0.00 70
    2022-03-01 $126,750 (9.5%) $179,677 (-10.9%) 0.00 76
    2022-04-01 $135,000 (18.7%) $181,568 (-6.2%) 0.00 82
    2022-05-01 $141,250 (21.8%) $192,877 (3.2%) 0.00 78
    2022-06-01 $130,250 (13.3%) $176,766 (-3.5%) 0.00 77
    2022-07-01 $128,000 (-2.1%) $174,215 (-7.3%) 0.00 83
    2022-08-01 $129,000 (1.6%) $173,875 (4.1%) 0.00 86
    2022-09-01 $131,750 (2.5%) $173,995 (3.3%) 0.00 85
    2022-10-01 $125,000 (-7.4%) $173,629 (-4.3%) 0.00 76
    2022-11-01 $133,250 (2.0%) $188,997 (3.8%) 0.00 76
    2022-12-01 $139,250 (7.4%) $191,893 (10.2%) 0.00 73
    2023-01-01 $146,250 (13.4%) $196,321 (11.2%) 0.00 67
    2023-02-01 $143,625 (22.2%) $196,965 (21.3%) 0.00 60
    2023-03-01 $150,125 (18.4%) $201,096 (11.9%) 0.00 51
    2023-04-01 $160,000 (18.5%) $197,485 (8.8%) 0.00 56
    2023-05-01 $150,750 (6.7%) $196,338 (1.8%) 0.00 55
    2023-06-01 $149,625 (14.9%) $192,775 (9.1%) 0.00 58
    2023-07-01 $145,000 (13.3%) $183,099 (5.1%) 0.00 62
    2023-08-01 $141,750 (9.9%) $189,426 (8.9%) 0.00 66
    2023-09-01 $143,500 (8.9%) $195,354 (12.3%) 0.00 70
    2023-10-01 $133,975 (7.2%) $196,084 (12.9%) 0.00 74
    2023-11-01 $139,025 (4.3%) $204,724 (8.3%) 0.00 78
    2023-12-01 $155,000 (11.3%) $220,908 (15.1%) 0.00 77
    2024-01-01 $151,250 (3.4%) $205,624 (4.7%) 0.00 76
    2024-02-01 $143,750 (0.1%) $203,650 (3.4%) 0.00 77
    2024-03-01 $157,500 (4.9%) $210,863 (4.9%) 0.00 79
    2024-04-01 $151,250 (-5.5%) $198,809 (0.7%) 0.00 82
    2024-05-01 $150,000 (-0.5%) $196,484 (0.1%) 0.00 78
    2024-06-01 $172,000 (15.0%) $221,044 (14.7%) 0.00 79
    2024-07-01 $176,000 (21.4%) $215,855 (17.9%) 0.00 87
    2024-08-01 $160,000 (12.9%) $218,208 (15.2%) 0.00 85
    2024-09-01 $152,500 (6.3%) $210,816 (7.9%) 0.00 80
    2024-10-01 $160,000 (19.4%) $212,642 (8.4%) 0.00 81
    2024-11-01 $165,000 (18.7%) $224,688 (9.8%) 0.00 82
    Woodward's median listing price for 2024-11-01 was $165,000, a difference of $25,975 (18.7%) versus the prior year and $5,000 versus the prior month.

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

    Woodward's average listing price for 2024-11-01 was $224,688, a difference of $19,964 (9.8%) versus the prior year and $12,046 versus the prior month.

    For the 2024-11-01 period, Woodward had 82 MLS listings, a difference of 1 listings (1%) versus the prior month and 4 listings (5%) 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 1,696 sqft
    2018-02-01 0 days 1,719 sqft
    2018-03-01 0 days 1,711 sqft
    2018-04-01 0 days 1,745 sqft
    2018-05-01 0 days 1,761 sqft
    2018-06-01 0 days 1,745 sqft
    2018-07-01 0 days 1,629 sqft
    2018-08-01 0 days 1,724 sqft
    2018-09-01 0 days 1,680 sqft
    2018-10-01 0 days 1,625 sqft
    2018-11-01 0 days 1,608 sqft
    2018-12-01 0 days 1,630 sqft
    2019-01-01 0 days 1,626 sqft
    2019-02-01 0 days 1,610 sqft
    2019-03-01 0 days 1,758 sqft
    2019-04-01 0 days 1,781 sqft
    2019-05-01 0 days 1,811 sqft
    2019-06-01 0 days 1,823 sqft
    2019-07-01 0 days 1,803 sqft
    2019-08-01 0 days 1,645 sqft
    2019-09-01 0 days 1,665 sqft
    2019-10-01 0 days 1,678 sqft
    2019-11-01 0 days 1,682 sqft
    2019-12-01 0 days 1,588 sqft
    2020-01-01 0 days 1,571 sqft
    2020-02-01 0 days 1,588 sqft
    2020-03-01 0 days 1,583 sqft
    2020-04-01 0 days 1,671 sqft
    2020-05-01 0 days 1,692 sqft
    2020-06-01 0 days 1,571 sqft
    2020-07-01 0 days 1,629 sqft
    2020-08-01 0 days 1,560 sqft
    2020-09-01 0 days 1,558 sqft
    2020-10-01 0 days 1,455 sqft
    2020-11-01 0 days 1,560 sqft
    2020-12-01 0 days 1,546 sqft
    2021-01-01 0 days 1,476 sqft
    2021-02-01 0 days 1,488 sqft
    2021-03-01 0 days 1,537 sqft
    2021-04-01 0 days 1,551 sqft
    2021-05-01 0 days 1,546 sqft
    2021-06-01 0 days 1,559 sqft
    2021-07-01 0 days 1,592 sqft
    2021-08-01 0 days 1,583 sqft
    2021-09-01 0 days 1,561 sqft
    2021-10-01 0 days 1,609 sqft
    2021-11-01 0 days 1,648 sqft
    2021-12-01 0 days 1,675 sqft
    2022-01-01 0 days 1,601 sqft
    2022-02-01 0 days 1,585 sqft
    2022-03-01 0 days 1,624 sqft
    2022-04-01 0 days 1,808 sqft
    2022-05-01 0 days 1,801 sqft
    2022-06-01 0 days 1,679 sqft
    2022-07-01 0 days 1,674 sqft
    2022-08-01 0 days 1,658 sqft
    2022-09-01 0 days 1,655 sqft
    2022-10-01 0 days 1,621 sqft
    2022-11-01 0 days 1,668 sqft
    2022-12-01 0 days 1,732 sqft
    2023-01-01 0 days 1,690 sqft
    2023-02-01 0 days 1,715 sqft
    2023-03-01 0 days 1,772 sqft
    2023-04-01 0 days 1,723 sqft
    2023-05-01 0 days 1,757 sqft
    2023-06-01 0 days 1,674 sqft
    2023-07-01 0 days 1,514 sqft
    2023-08-01 0 days 1,571 sqft
    2023-09-01 0 days 1,673 sqft
    2023-10-01 0 days 1,572 sqft
    2023-11-01 0 days 1,606 sqft
    2023-12-01 0 days 1,711 sqft
    2024-01-01 0 days 1,672 sqft
    2024-02-01 0 days 1,540 sqft
    2024-03-01 0 days 1,707 sqft
    2024-04-01 0 days 1,675 sqft
    2024-05-01 0 days 1,600 sqft
    2024-06-01 0 days 1,791 sqft
    2024-07-01 0 days 1,872 sqft
    2024-08-01 0 days 1,812 sqft
    2024-09-01 0 days 1,784 sqft
    2024-10-01 0 days 1,786 sqft
    2024-11-01 0 days 1,864 sqft
    Woodward's median listing age (time on market) for 2024-11-01 was 0 days.

    Woodward's median square footage for active listings during the 2024-11-01 period was 1,864 sqft. One year prior, the average listing was 1,606 sqft.