Yuma USDA Loan Rates, Closing Costs & Stats
YUMA, AZ
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.
Yuma's 12 lenders originated 61 USDA loans during 2023. The total origination value was $14,805,000, with an average USDA loan value of $242,705.
Yuma USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Yuma
averaged
0.08%
for the week of 2024-11-15, compared to the national average (all USDA variants) of
0% for the same period.
Yuma's average USDA mortgage closing costs are $5,401.
The average rate for the prior week (2024-11-08) was
6.34% and
one month ago for the week of 2024-10-11, the
average rate was 5.8%.
The average rate one year ago was 7.23%.
For refis of the same type during the week of 2024-11-15, the average rate
was 0.16%.
Yuma 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 Yuma level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | 17 | 6.08% | $12,017 |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 10 | 6.25% | $8,607 |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 9 | 6.53% | $4,533 |
| CROSSCOUNTRY MORTGAGE, LLC | 6 | 6.43% | $10,113 |
| Neighborhood Loans, Inc. | 4 | 6.16% | $10,135 |
| ACADEMY MORTGAGE CORPORATION | 3 | 6.17% | $12,253 |
| GUILD MORTGAGE COMPANY | 3 | 6.54% | $9,686 |
| GENEVA FINANCIAL, LLC | 2 | 6.63% | $11,215 |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | 6.25% | $8,891 |
| GUARANTEED RATE, INC. | 1 | 6.88% | $10,034 |
| NEWREZ LLC | 1 | 6.25% | $7,043 |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | 6.63% | $8,570 |
The top Yuma USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
17 USDA loans originated. Their average total fees are
$12,017, which is $3,410
higher than the next largest lender,
RESIDENTIAL WHOLESALE MORTGAGE, INC..
The lowest fee Yuma USDA lenders (with over 10 loans originated) are
RESIDENTIAL WHOLESALE MORTGAGE, INC. ($8,607), UNITED WHOLESALE MORTGAGE, LLC ($12,017), .
The lowest rate Yuma USDA lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.08%), RESIDENTIAL WHOLESALE MORTGAGE, INC. (6.25%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Yuma (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 | $191,100 (0.6%) | $221,576 (0.3%) | 0.71 | 807 |
| 2018-02-01 | $195,000 (0.3%) | $224,779 (-0.3%) | 0.71 | 784 |
| 2018-03-01 | $199,000 (-0.2%) | $226,613 (-0.2%) | 0.70 | 763 |
| 2018-04-01 | $199,850 (1.9%) | $229,462 (0.6%) | 0.68 | 704 |
| 2018-05-01 | $208,788 (4.8%) | $231,748 (-0.1%) | 0.70 | 649 |
| 2018-06-01 | $206,187 (4.2%) | $230,336 (0.3%) | 0.69 | 628 |
| 2018-07-01 | $205,000 (2.6%) | $230,138 (-1.2%) | 0.68 | 595 |
| 2018-08-01 | $214,000 (7.1%) | $234,369 (0.6%) | 0.72 | 599 |
| 2018-09-01 | $217,912 (9.0%) | $235,240 (2.0%) | 0.73 | 659 |
| 2018-10-01 | $217,431 (4.6%) | $235,484 (2.6%) | 0.74 | 666 |
| 2018-11-01 | $217,500 (8.8%) | $237,812 (6.4%) | 0.74 | 690 |
| 2018-12-01 | $220,000 (12.9%) | $234,564 (6.4%) | 0.76 | 681 |
| 2019-01-01 | $219,900 (15.1%) | $235,306 (6.2%) | 0.76 | 681 |
| 2019-02-01 | $222,862 (14.3%) | $242,243 (7.8%) | 0.75 | 690 |
| 2019-03-01 | $225,393 (13.3%) | $244,395 (7.9%) | 0.74 | 662 |
| 2019-04-01 | $225,943 (13.1%) | $245,717 (7.1%) | 0.72 | 639 |
| 2019-05-01 | $220,950 (5.8%) | $248,278 (7.1%) | 0.69 | 627 |
| 2019-06-01 | $224,900 (9.1%) | $251,413 (9.2%) | 0.70 | 589 |
| 2019-07-01 | $226,500 (10.5%) | $256,125 (11.3%) | 0.71 | 533 |
| 2019-08-01 | $229,109 (7.1%) | $259,451 (10.7%) | 0.73 | 533 |
| 2019-09-01 | $227,923 (4.6%) | $258,542 (9.9%) | 0.73 | 538 |
| 2019-10-01 | $227,582 (4.7%) | $259,009 (10.0%) | 0.73 | 541 |
| 2019-11-01 | $229,900 (5.7%) | $258,637 (8.8%) | 0.75 | 560 |
| 2019-12-01 | $227,373 (3.4%) | $256,167 (9.2%) | 0.76 | 555 |
| 2020-01-01 | $219,450 (-0.2%) | $248,519 (5.6%) | 0.73 | 552 |
| 2020-02-01 | $224,900 (0.9%) | $255,663 (5.5%) | 0.74 | 509 |
| 2020-03-01 | $239,913 (6.4%) | $267,098 (9.3%) | 0.75 | 461 |
| 2020-04-01 | $237,950 (5.3%) | $264,014 (7.5%) | 0.75 | 454 |
| 2020-05-01 | $239,900 (8.6%) | $261,809 (5.5%) | 0.73 | 355 |
| 2020-06-01 | $232,600 (3.4%) | $264,209 (5.1%) | 0.69 | 271 |
| 2020-07-01 | $242,879 (7.2%) | $282,201 (10.2%) | 0.70 | 225 |
| 2020-08-01 | $229,900 (0.4%) | $284,749 (9.8%) | 0.66 | 190 |
| 2020-09-01 | $227,450 (-0.2%) | $294,144 (13.8%) | 0.65 | 194 |
| 2020-10-01 | $210,900 (-7.3%) | $281,133 (8.5%) | 0.60 | 207 |
| 2020-11-01 | $231,250 (0.6%) | $291,215 (12.6%) | 0.68 | 201 |
| 2020-12-01 | $229,508 (0.9%) | $290,015 (13.2%) | 0.68 | 199 |
| 2021-01-01 | $240,000 (9.4%) | $293,787 (18.2%) | 0.72 | 172 |
| 2021-02-01 | $246,850 (9.8%) | $301,900 (18.1%) | 0.72 | 165 |
| 2021-03-01 | $256,175 (6.8%) | $297,999 (11.6%) | 0.73 | 160 |
| 2021-04-01 | $260,888 (9.6%) | $317,525 (20.3%) | 0.71 | 145 |
| 2021-05-01 | $279,900 (16.7%) | $335,538 (28.2%) | 0.74 | 139 |
| 2021-06-01 | $281,975 (21.2%) | $324,819 (22.9%) | 0.74 | 147 |
| 2021-07-01 | $281,450 (15.9%) | $326,385 (15.7%) | 0.74 | 203 |
| 2021-08-01 | $270,200 (17.5%) | $314,996 (10.6%) | 0.72 | 209 |
| 2021-09-01 | $271,000 (19.2%) | $313,151 (6.5%) | 0.72 | 201 |
| 2021-10-01 | $279,250 (32.4%) | $331,984 (18.1%) | 0.74 | 184 |
| 2021-11-01 | $279,500 (20.9%) | $331,982 (14.0%) | 0.75 | 172 |
| 2021-12-01 | $280,000 (22.0%) | $332,596 (14.7%) | 0.76 | 166 |
| 2022-01-01 | $285,741 (19.1%) | $336,976 (14.7%) | 0.77 | 152 |
| 2022-02-01 | $296,450 (20.1%) | $337,175 (11.7%) | 0.77 | 151 |
| 2022-03-01 | $299,625 (17.0%) | $339,100 (13.8%) | 0.75 | 150 |
| 2022-04-01 | $315,000 (20.7%) | $362,252 (14.1%) | 0.75 | 169 |
| 2022-05-01 | $309,724 (10.7%) | $363,769 (8.4%) | 0.71 | 212 |
| 2022-06-01 | $302,128 (7.2%) | $354,112 (9.0%) | 0.67 | 269 |
| 2022-07-01 | $310,130 (10.2%) | $353,713 (8.4%) | 0.70 | 314 |
| 2022-08-01 | $311,440 (15.3%) | $360,023 (14.3%) | 0.72 | 342 |
| 2022-09-01 | $315,000 (16.2%) | $365,030 (16.6%) | 0.74 | 362 |
| 2022-10-01 | $311,440 (11.5%) | $359,317 (8.2%) | 0.73 | 393 |
| 2022-11-01 | $309,640 (10.8%) | $349,630 (5.3%) | 0.74 | 399 |
| 2022-12-01 | $305,000 (8.9%) | $349,224 (5.0%) | 0.75 | 370 |
| 2023-01-01 | $299,800 (4.9%) | $346,910 (3.0%) | 0.74 | 337 |
| 2023-02-01 | $303,939 (2.5%) | $352,680 (4.6%) | 0.73 | 306 |
| 2023-03-01 | $299,225 (-0.1%) | $357,859 (5.5%) | 0.71 | 267 |
| 2023-04-01 | $305,000 (-3.2%) | $364,358 (0.6%) | 0.71 | 242 |
| 2023-05-01 | $326,000 (5.3%) | $371,628 (2.2%) | 0.74 | 232 |
| 2023-06-01 | $346,275 (14.6%) | $397,051 (12.1%) | 0.78 | 232 |
| 2023-07-01 | $339,500 (9.5%) | $390,631 (10.4%) | 0.77 | 260 |
| 2023-08-01 | $335,475 (7.7%) | $393,578 (9.3%) | 0.77 | 257 |
| 2023-09-01 | $347,450 (10.3%) | $392,087 (7.4%) | 0.81 | 274 |
| 2023-10-01 | $342,450 (10.0%) | $385,091 (7.2%) | 0.81 | 375 |
| 2023-11-01 | $339,450 (9.6%) | $396,775 (13.5%) | 0.81 | 417 |
| 2023-12-01 | $330,000 (8.2%) | $387,280 (10.9%) | 0.80 | 420 |
| 2024-01-01 | $328,475 (9.6%) | $379,129 (9.3%) | 0.80 | 407 |
| 2024-02-01 | $337,425 (11.0%) | $385,912 (9.4%) | 0.81 | 395 |
| 2024-03-01 | $339,000 (13.3%) | $386,307 (8.0%) | 0.80 | 403 |
| 2024-04-01 | $349,450 (14.6%) | $390,362 (7.1%) | 0.81 | 414 |
| 2024-05-01 | $355,225 (9.0%) | $387,030 (4.1%) | 0.80 | 396 |
| 2024-06-01 | $349,950 (1.1%) | $378,428 (-4.7%) | 0.79 | 406 |
| 2024-07-01 | $342,475 (0.9%) | $374,760 (-4.1%) | 0.78 | 381 |
| 2024-08-01 | $338,500 (0.9%) | $371,877 (-5.5%) | 0.79 | 411 |
| 2024-09-01 | $340,200 (-2.1%) | $1,415,496 (261.0%) | 0.80 | 420 |
| 2024-10-01 | $345,750 (1.0%) | $381,561 (-0.9%) | 0.81 | 442 |
Yuma's median listing price comes in at 81% of the national average.
Yuma's average listing price for 2024-10-01 was $381,561, a difference of $-3,530 (-0.9%) versus the prior year and $-1,033,935 versus the prior month.
For the 2024-10-01 period, Yuma had 442 MLS listings, a difference of 22 listings (5%) versus the prior month and 67 listings (18%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Yuma (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 72 days | 1,628 sqft |
| 2018-02-01 | 75 days | 1,631 sqft |
| 2018-03-01 | 66 days | 1,650 sqft |
| 2018-04-01 | 64 days | 1,660 sqft |
| 2018-05-01 | 67 days | 1,701 sqft |
| 2018-06-01 | 63 days | 1,701 sqft |
| 2018-07-01 | 70 days | 1,701 sqft |
| 2018-08-01 | 68 days | 1,699 sqft |
| 2018-09-01 | 58 days | 1,695 sqft |
| 2018-10-01 | 57 days | 1,691 sqft |
| 2018-11-01 | 60 days | 1,691 sqft |
| 2018-12-01 | 65 days | 1,695 sqft |
| 2019-01-01 | 72 days | 1,699 sqft |
| 2019-02-01 | 68 days | 1,699 sqft |
| 2019-03-01 | 64 days | 1,690 sqft |
| 2019-04-01 | 63 days | 1,682 sqft |
| 2019-05-01 | 68 days | 1,665 sqft |
| 2019-06-01 | 73 days | 1,679 sqft |
| 2019-07-01 | 75 days | 1,694 sqft |
| 2019-08-01 | 67 days | 1,696 sqft |
| 2019-09-01 | 56 days | 1,675 sqft |
| 2019-10-01 | 50 days | 1,665 sqft |
| 2019-11-01 | 54 days | 1,662 sqft |
| 2019-12-01 | 65 days | 1,660 sqft |
| 2020-01-01 | 68 days | 1,638 sqft |
| 2020-02-01 | 68 days | 1,660 sqft |
| 2020-03-01 | 58 days | 1,686 sqft |
| 2020-04-01 | 61 days | 1,654 sqft |
| 2020-05-01 | 66 days | 1,666 sqft |
| 2020-06-01 | 67 days | 1,609 sqft |
| 2020-07-01 | 54 days | 1,670 sqft |
| 2020-08-01 | 45 days | 1,634 sqft |
| 2020-09-01 | 33 days | 1,606 sqft |
| 2020-10-01 | 29 days | 1,548 sqft |
| 2020-11-01 | 42 days | 1,565 sqft |
| 2020-12-01 | 40 days | 1,541 sqft |
| 2021-01-01 | 47 days | 1,552 sqft |
| 2021-02-01 | 32 days | 1,578 sqft |
| 2021-03-01 | 26 days | 1,606 sqft |
| 2021-04-01 | 25 days | 1,674 sqft |
| 2021-05-01 | 29 days | 1,718 sqft |
| 2021-06-01 | 28 days | 1,667 sqft |
| 2021-07-01 | 24 days | 1,602 sqft |
| 2021-08-01 | 31 days | 1,570 sqft |
| 2021-09-01 | 38 days | 1,553 sqft |
| 2021-10-01 | 41 days | 1,553 sqft |
| 2021-11-01 | 34 days | 1,555 sqft |
| 2021-12-01 | 41 days | 1,549 sqft |
| 2022-01-01 | 32 days | 1,595 sqft |
| 2022-02-01 | 20 days | 1,570 sqft |
| 2022-03-01 | 22 days | 1,600 sqft |
| 2022-04-01 | 19 days | 1,657 sqft |
| 2022-05-01 | 22 days | 1,625 sqft |
| 2022-06-01 | 24 days | 1,614 sqft |
| 2022-07-01 | 30 days | 1,584 sqft |
| 2022-08-01 | 38 days | 1,595 sqft |
| 2022-09-01 | 42 days | 1,662 sqft |
| 2022-10-01 | 45 days | 1,609 sqft |
| 2022-11-01 | 51 days | 1,575 sqft |
| 2022-12-01 | 61 days | 1,574 sqft |
| 2023-01-01 | 57 days | 1,573 sqft |
| 2023-02-01 | 46 days | 1,579 sqft |
| 2023-03-01 | 43 days | 1,565 sqft |
| 2023-04-01 | 43 days | 1,584 sqft |
| 2023-05-01 | 40 days | 1,622 sqft |
| 2023-06-01 | 43 days | 1,681 sqft |
| 2023-07-01 | 35 days | 1,606 sqft |
| 2023-08-01 | 48 days | 1,599 sqft |
| 2023-09-01 | 45 days | 1,627 sqft |
| 2023-10-01 | 40 days | 1,666 sqft |
| 2023-11-01 | 46 days | 1,645 sqft |
| 2023-12-01 | 58 days | 1,587 sqft |
| 2024-01-01 | 62 days | 1,585 sqft |
| 2024-02-01 | 52 days | 1,596 sqft |
| 2024-03-01 | 45 days | 1,602 sqft |
| 2024-04-01 | 42 days | 1,602 sqft |
| 2024-05-01 | 43 days | 1,604 sqft |
| 2024-06-01 | 48 days | 1,599 sqft |
| 2024-07-01 | 53 days | 1,582 sqft |
| 2024-08-01 | 51 days | 1,565 sqft |
| 2024-09-01 | 45 days | 1,567 sqft |
| 2024-10-01 | 43 days | 1,566 sqft |
Yuma's median square footage for active listings during the 2024-10-01 period was 1,566 sqft. One year prior, the average listing was 1,666 sqft.