Aguadilla USDA Loan Rates, Closing Costs & Stats

AGUADILLA-ISABELA, PR

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.

Aguadilla's 16 lenders originated 60 USDA loans during 2024. The total origination value was $9,970,000, with an average USDA loan value of $166,167.

Aguadilla USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Aguadilla averaged 5.93% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

Aguadilla's average USDA mortgage closing costs are $5,642.

The average rate for the prior week (2025-03-28) was 5.99% and one month ago for the week of 2025-02-28, the average rate was 6.24%.

The average rate one year ago was 6.5%.

For refis of the same type during the week of 2025-04-04, the average rate was 6.42%.

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

Aguadilla 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 Aguadilla level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Banco Popular de Puerto Rico 22 5.55% $10,038
FIRSTBANK PUERTO RICO 14 5.13% $10,629
THE MONEY HOUSE INC. 5 6.10% $7,727
Oriental Bank 4 5.50% $9,191
HR MORTGAGE CORP. 2 6.38% $8,936
The Lending Center Corporation 2 6.75% $10,530
METRO ISLAND MORTGAGE, INC. 1 6.50% $5,468
PREFERRED MORTGAGE CORPORATION 1 6.25% $7,260
RM ACTUAL MORTGAGE, INC. 1 6.50% $9,253
SUN WEST MORTGAGE COMPANY, INC. 1 5.75% $8,622
VIG MORTGAGE CORPORATION 1 6.25% $12,132
City Lending Inc. 1 6.25% $8,862
COOPERATIVA DE AHORRO Y CREDITO DE ISABELA 1 5.39% $11,721
COOPERATIVA DE AHORRO Y CREDITO DE LARES 1 7.25% $6,805
FIRST EQUITY MORTGAGE BANKERS, INC. 1 6.75% $9,542
HOME MORTGAGE BANKERS CORP. 1 6.75% $5,302

The top Aguadilla USDA lender as defined by loan originations is Banco Popular de Puerto Rico, with 22 USDA loans originated. Their average total fees are $10,038, which is $592 lower than the next largest lender, FIRSTBANK PUERTO RICO.

The lowest fee Aguadilla USDA lenders (with over 10 loans originated) are Banco Popular de Puerto Rico ($10,038), FIRSTBANK PUERTO RICO ($10,629), .

The lowest rate Aguadilla USDA lenders (with over 10 loans originated) are FIRSTBANK PUERTO RICO (5.13%), Banco Popular de Puerto Rico (5.55%), .