York USDA Loan Rates, Closing Costs & Stats
YORK-HANOVER, PA
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.
York's 23 lenders originated 40 USDA loans during 2023. The total origination value was $9,070,000, with an average USDA loan value of $226,750.
York USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in York
averaged
5.96%
for the week of 2024-10-04, compared to the national average (all USDA variants) of
5.97% for the same period.
York's average USDA mortgage closing costs are $5,871.
The average rate for the prior week (2024-09-27) was
5.89% and
one month ago for the week of 2024-08-30, the
average rate was 6.33%.
The average rate one year ago was 6.97%.
For refis of the same type during the week of 2024-10-04, the average rate
was 6.54%.
York 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 York level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|---|---|---|
MOVEMENT MORTGAGE, LLC | 5 | 7.25% | $8,559 |
GUILD MORTGAGE COMPANY | 4 | 6.47% | $6,681 |
Meridian Bank Corporation | 3 | 5.75% | $8,278 |
Northpointe Bank | 3 | 6.25% | $8,526 |
York Traditions Bank | 2 | 5.94% | $8,669 |
BROKER SOLUTIONS, INC. | 2 | 6.13% | $5,450 |
ENVOY MORTGAGE, LTD | 2 | 6.63% | $12,140 |
NFM, INC. | 2 | 6.50% | $8,639 |
Towne Bank | 2 | 6.38% | $6,681 |
UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.25% | $10,889 |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 5.75% | $11,183 |
CROSSCOUNTRY MORTGAGE, LLC | 1 | 7.25% | $6,575 |
MEMBERS 1ST FEDERAL CREDIT UNION | 1 | 6.25% | $7,410 |
Carrington Mortgage Services, LLC | 1 | 7.13% | $8,150 |
BAYSHORE MORTGAGE FUNDING, LLC | 1 | 7.13% | $12,036 |
WesBanco | 1 | 5.63% | $6,267 |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 6.13% | $12,022 |
RADIUS FINANCIAL GROUP INC. | 1 | 6.38% | $8,755 |
Alcova Mortgage LLC | 1 | 7.25% | $5,762 |
UNION HOME MORTGAGE CORP. | 1 | 7.00% | $6,235 |
DHI MORTGAGE COMPANY, LTD. | 1 | 5.75% | $6,728 |
DIRECT MORTGAGE LOANS, LLC | 1 | 7.62% | $11,051 |
EMM LOANS LLC | 1 | 6.75% | $10,590 |
The top York USDA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with
5 USDA loans originated. Their average total fees are
$8,559, which is $1,878
higher than the next largest lender,
GUILD MORTGAGE COMPANY.
The lowest fee York USDA lenders (with over 10 loans originated) are
.
The lowest rate York USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - York (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 | $211,450 (14.3%) | $236,350 (10.1%) | 0.78 | 1,523 |
2018-02-01 | $214,948 (16.2%) | $242,400 (12.8%) | 0.78 | 1,408 |
2018-03-01 | $213,841 (12.6%) | $243,881 (9.3%) | 0.75 | 1,393 |
2018-04-01 | $219,900 (10.0%) | $246,816 (7.1%) | 0.75 | 1,459 |
2018-05-01 | $226,950 (7.6%) | $253,069 (7.2%) | 0.76 | 1,496 |
2018-06-01 | $229,200 (9.2%) | $255,716 (7.6%) | 0.76 | 1,584 |
2018-07-01 | $228,029 (8.6%) | $255,670 (6.4%) | 0.76 | 1,597 |
2018-08-01 | $224,900 (7.1%) | $253,853 (6.2%) | 0.75 | 1,632 |
2018-09-01 | $219,900 (10.0%) | $248,717 (5.5%) | 0.74 | 1,588 |
2018-10-01 | $219,450 (5.1%) | $246,196 (3.0%) | 0.74 | 1,654 |
2018-11-01 | $219,900 (10.0%) | $245,927 (5.6%) | 0.75 | 1,661 |
2018-12-01 | $217,450 (8.8%) | $243,135 (4.9%) | 0.75 | 1,601 |
2019-01-01 | $218,343 (3.3%) | $240,841 (1.9%) | 0.75 | 1,416 |
2019-02-01 | $219,900 (2.3%) | $243,174 (0.3%) | 0.74 | 1,305 |
2019-03-01 | $219,900 (2.8%) | $247,330 (1.4%) | 0.72 | 1,287 |
2019-04-01 | $220,650 (0.3%) | $253,281 (2.6%) | 0.70 | 1,293 |
2019-05-01 | $228,400 (0.6%) | $258,824 (2.3%) | 0.71 | 1,335 |
2019-06-01 | $229,900 (0.3%) | $263,519 (3.1%) | 0.72 | 1,400 |
2019-07-01 | $238,734 (4.7%) | $269,016 (5.2%) | 0.75 | 1,417 |
2019-08-01 | $238,564 (6.1%) | $271,551 (7.0%) | 0.76 | 1,395 |
2019-09-01 | $236,559 (7.6%) | $272,684 (9.6%) | 0.76 | 1,357 |
2019-10-01 | $235,000 (7.1%) | $273,413 (11.1%) | 0.76 | 1,320 |
2019-11-01 | $231,490 (5.3%) | $268,360 (9.1%) | 0.76 | 1,203 |
2019-12-01 | $235,410 (8.3%) | $267,752 (10.1%) | 0.79 | 1,094 |
2020-01-01 | $237,659 (8.9%) | $267,065 (10.9%) | 0.79 | 994 |
2020-02-01 | $248,983 (13.2%) | $274,477 (12.9%) | 0.82 | 917 |
2020-03-01 | $258,570 (17.6%) | $284,984 (15.2%) | 0.81 | 909 |
2020-04-01 | $267,900 (21.4%) | $292,028 (15.3%) | 0.84 | 838 |
2020-05-01 | $259,995 (13.8%) | $292,167 (12.9%) | 0.79 | 900 |
2020-06-01 | $255,423 (11.1%) | $289,737 (10.0%) | 0.75 | 849 |
2020-07-01 | $260,629 (9.2%) | $304,904 (13.3%) | 0.76 | 754 |
2020-08-01 | $271,400 (13.8%) | $307,605 (13.3%) | 0.78 | 680 |
2020-09-01 | $268,445 (13.5%) | $309,658 (13.6%) | 0.77 | 644 |
2020-10-01 | $259,995 (10.6%) | $305,693 (11.8%) | 0.75 | 636 |
2020-11-01 | $262,500 (13.4%) | $310,743 (15.8%) | 0.77 | 605 |
2020-12-01 | $263,945 (12.1%) | $315,609 (17.9%) | 0.79 | 540 |
2021-01-01 | $264,945 (11.5%) | $316,802 (18.6%) | 0.79 | 442 |
2021-02-01 | $274,482 (10.2%) | $319,792 (16.5%) | 0.80 | 405 |
2021-03-01 | $276,443 (6.9%) | $309,138 (8.5%) | 0.78 | 422 |
2021-04-01 | $280,705 (4.8%) | $308,093 (5.5%) | 0.76 | 427 |
2021-05-01 | $279,900 (7.7%) | $304,129 (4.1%) | 0.74 | 479 |
2021-06-01 | $260,495 (2.0%) | $294,889 (1.8%) | 0.69 | 595 |
2021-07-01 | $269,900 (3.6%) | $300,589 (-1.4%) | 0.71 | 634 |
2021-08-01 | $263,765 (-2.8%) | $298,617 (-2.9%) | 0.70 | 654 |
2021-09-01 | $264,000 (-1.7%) | $303,367 (-2.0%) | 0.70 | 640 |
2021-10-01 | $264,900 (1.9%) | $305,291 (-0.1%) | 0.71 | 590 |
2021-11-01 | $264,746 (0.9%) | $304,550 (-2.0%) | 0.71 | 561 |
2021-12-01 | $278,332 (5.5%) | $321,667 (1.9%) | 0.75 | 484 |
2022-01-01 | $306,520 (15.7%) | $340,711 (7.6%) | 0.83 | 414 |
2022-02-01 | $312,995 (14.0%) | $341,601 (6.8%) | 0.81 | 416 |
2022-03-01 | $322,490 (16.7%) | $347,593 (12.4%) | 0.81 | 444 |
2022-04-01 | $324,900 (15.7%) | $347,513 (12.8%) | 0.77 | 449 |
2022-05-01 | $326,945 (16.8%) | $357,804 (17.7%) | 0.75 | 521 |
2022-06-01 | $323,160 (24.1%) | $357,922 (21.4%) | 0.72 | 570 |
2022-07-01 | $319,000 (18.2%) | $353,553 (17.6%) | 0.72 | 618 |
2022-08-01 | $324,900 (23.2%) | $356,868 (19.5%) | 0.75 | 606 |
2022-09-01 | $329,200 (24.7%) | $363,824 (19.9%) | 0.77 | 597 |
2022-10-01 | $340,000 (28.4%) | $365,063 (19.6%) | 0.80 | 598 |
2022-11-01 | $339,900 (28.4%) | $359,741 (18.1%) | 0.82 | 585 |
2022-12-01 | $345,000 (24.0%) | $361,239 (12.3%) | 0.85 | 565 |
2023-01-01 | $348,625 (13.7%) | $362,814 (6.5%) | 0.86 | 525 |
2023-02-01 | $358,650 (14.6%) | $373,752 (9.4%) | 0.87 | 479 |
2023-03-01 | $355,720 (10.3%) | $373,584 (7.5%) | 0.84 | 468 |
2023-04-01 | $342,805 (5.5%) | $368,381 (6.0%) | 0.80 | 449 |
2023-05-01 | $349,900 (7.0%) | $374,042 (4.5%) | 0.79 | 484 |
2023-06-01 | $348,975 (8.0%) | $378,085 (5.6%) | 0.78 | 511 |
2023-07-01 | $332,245 (4.2%) | $379,103 (7.2%) | 0.76 | 566 |
2023-08-01 | $337,495 (3.9%) | $388,188 (8.8%) | 0.78 | 604 |
2023-09-01 | $329,995 (0.2%) | $381,126 (4.8%) | 0.77 | 656 |
2023-10-01 | $322,450 (-5.2%) | $374,134 (2.5%) | 0.76 | 714 |
2023-11-01 | $317,944 (-6.5%) | $362,608 (0.8%) | 0.76 | 742 |
2023-12-01 | $316,206 (-8.4%) | $357,030 (-1.2%) | 0.77 | 684 |
2024-01-01 | $324,990 (-6.8%) | $370,567 (2.1%) | 0.79 | 604 |
2024-02-01 | $337,490 (-5.9%) | $381,468 (2.1%) | 0.81 | 526 |
2024-03-01 | $339,900 (-4.5%) | $392,169 (5.0%) | 0.80 | 505 |
2024-04-01 | $339,993 (-0.8%) | $411,676 (11.8%) | 0.79 | 523 |
2024-05-01 | $369,454 (5.6%) | $426,610 (14.1%) | 0.84 | 540 |
2024-06-01 | $373,069 (6.9%) | $424,822 (12.4%) | 0.84 | 587 |
2024-07-01 | $359,950 (8.3%) | $412,822 (8.9%) | 0.82 | 607 |
2024-08-01 | $339,900 (0.7%) | $392,770 (1.2%) | 0.79 | 678 |
2024-09-01 | $331,500 (0.5%) | $382,559 (0.4%) | 0.00 | 733 |
York's median listing price comes in at 0% of the national average.
York's average listing price for 2024-09-01 was $382,559, a difference of $1,433 (0.4%) versus the prior year and $-10,211 versus the prior month.
For the 2024-09-01 period, York had 733 MLS listings, a difference of 55 listings (8%) versus the prior month and 77 listings (12%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - York (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 85 days | 1,837 sqft |
2018-02-01 | 79 days | 1,843 sqft |
2018-03-01 | 60 days | 1,846 sqft |
2018-04-01 | 49 days | 1,860 sqft |
2018-05-01 | 44 days | 1,872 sqft |
2018-06-01 | 46 days | 2,060 sqft |
2018-07-01 | 52 days | 2,017 sqft |
2018-08-01 | 54 days | 2,013 sqft |
2018-09-01 | 57 days | 2,000 sqft |
2018-10-01 | 58 days | 1,988 sqft |
2018-11-01 | 58 days | 1,949 sqft |
2018-12-01 | 65 days | 1,909 sqft |
2019-01-01 | 75 days | 1,873 sqft |
2019-02-01 | 78 days | 1,874 sqft |
2019-03-01 | 63 days | 1,892 sqft |
2019-04-01 | 48 days | 1,921 sqft |
2019-05-01 | 44 days | 1,960 sqft |
2019-06-01 | 47 days | 1,982 sqft |
2019-07-01 | 47 days | 2,025 sqft |
2019-08-01 | 50 days | 2,045 sqft |
2019-09-01 | 54 days | 2,040 sqft |
2019-10-01 | 56 days | 2,031 sqft |
2019-11-01 | 61 days | 1,996 sqft |
2019-12-01 | 69 days | 1,972 sqft |
2020-01-01 | 70 days | 1,959 sqft |
2020-02-01 | 59 days | 1,977 sqft |
2020-03-01 | 42 days | 2,030 sqft |
2020-04-01 | 62 days | 2,070 sqft |
2020-05-01 | 67 days | 2,072 sqft |
2020-06-01 | 41 days | 2,012 sqft |
2020-07-01 | 40 days | 2,053 sqft |
2020-08-01 | 40 days | 2,064 sqft |
2020-09-01 | 37 days | 1,996 sqft |
2020-10-01 | 48 days | 1,976 sqft |
2020-11-01 | 51 days | 1,950 sqft |
2020-12-01 | 58 days | 1,939 sqft |
2021-01-01 | 66 days | 1,920 sqft |
2021-02-01 | 61 days | 1,893 sqft |
2021-03-01 | 42 days | 1,905 sqft |
2021-04-01 | 38 days | 1,909 sqft |
2021-05-01 | 37 days | 1,909 sqft |
2021-06-01 | 36 days | 1,865 sqft |
2021-07-01 | 38 days | 1,870 sqft |
2021-08-01 | 38 days | 1,861 sqft |
2021-09-01 | 45 days | 1,846 sqft |
2021-10-01 | 51 days | 1,880 sqft |
2021-11-01 | 45 days | 1,844 sqft |
2021-12-01 | 50 days | 1,855 sqft |
2022-01-01 | 49 days | 1,902 sqft |
2022-02-01 | 39 days | 1,900 sqft |
2022-03-01 | 38 days | 1,920 sqft |
2022-04-01 | 38 days | 1,950 sqft |
2022-05-01 | 35 days | 1,944 sqft |
2022-06-01 | 34 days | 1,960 sqft |
2022-07-01 | 37 days | 1,983 sqft |
2022-08-01 | 36 days | 1,955 sqft |
2022-09-01 | 44 days | 2,001 sqft |
2022-10-01 | 48 days | 2,026 sqft |
2022-11-01 | 51 days | 2,009 sqft |
2022-12-01 | 54 days | 2,000 sqft |
2023-01-01 | 61 days | 2,001 sqft |
2023-02-01 | 50 days | 2,068 sqft |
2023-03-01 | 43 days | 2,024 sqft |
2023-04-01 | 39 days | 1,976 sqft |
2023-05-01 | 33 days | 2,009 sqft |
2023-06-01 | 36 days | 1,994 sqft |
2023-07-01 | 35 days | 1,958 sqft |
2023-08-01 | 34 days | 1,965 sqft |
2023-09-01 | 37 days | 1,967 sqft |
2023-10-01 | 41 days | 1,934 sqft |
2023-11-01 | 40 days | 1,922 sqft |
2023-12-01 | 49 days | 1,900 sqft |
2024-01-01 | 59 days | 1,914 sqft |
2024-02-01 | 53 days | 1,919 sqft |
2024-03-01 | 40 days | 1,924 sqft |
2024-04-01 | 37 days | 1,942 sqft |
2024-05-01 | 28 days | 2,036 sqft |
2024-06-01 | 33 days | 2,034 sqft |
2024-07-01 | 38 days | 2,022 sqft |
2024-08-01 | 37 days | 1,950 sqft |
2024-09-01 | 0 days | 1,910 sqft |
York's median square footage for active listings during the 2024-09-01 period was 1,910 sqft. One year prior, the average listing was 1,967 sqft.