Anniston USDA Loan Rates, Closing Costs & Stats
ANNISTON-OXFORD, AL
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.
Anniston's 23 lenders originated 69 USDA loans during 2024. The total origination value was $12,345,000, with an average USDA loan value of $178,913.
Anniston USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Anniston
averaged
0.07%
for the week of 2025-06-20, compared to the national average (all USDA variants) of
0% for the same period.
Anniston's average USDA mortgage closing costs are $4,497.
The average rate for the prior week (2025-06-13) was
6.37% and
one month ago for the week of 2025-05-16, the
average rate was 6.44%.
The average rate one year ago was 6.66%.
For refis of the same type during the week of 2025-06-20, the average rate
was -0.28%.
Anniston 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 Anniston level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| SUCCESS MORTGAGE PARTNERS, INC. | 8 | 6.55% | $6,844 |
| SouthPoint Bank | 6 | 6.13% | $3,536 |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | 6.48% | $6,145 |
| First Federal Bank, A FSB | 6 | 5.77% | $7,570 |
| SOUTHWEST FUNDING, LP | 6 | 6.46% | $6,554 |
| STOCKTON MORTGAGE CORPORATION | 4 | 6.47% | $6,378 |
| Ameris Bank | 4 | 6.06% | $6,321 |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | 6.50% | $6,488 |
| BAYSHORE MORTGAGE FUNDING, LLC | 3 | 7.08% | $8,557 |
| NEWREZ LLC | 3 | 6.96% | $3,983 |
| ACOPIA, LLC | 2 | 6.50% | $5,326 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 2 | 6.75% | $7,640 |
| GUILD MORTGAGE COMPANY | 2 | 6.19% | $6,109 |
| TOWNE MORTGAGE COMPANY | 2 | 6.06% | $7,406 |
| Ixonia Bank | 1 | 7.50% | $5,666 |
| HOMESIDE FINANCIAL, LLC | 1 | 6.13% | $6,663 |
| GMFS LLC | 1 | 6.25% | $8,148 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 6.63% | $7,222 |
| Capital City Home Loans, LLC | 1 | 6.50% | $5,672 |
| THE MORTGAGE FIRM, INC. | 1 | 6.49% | $6,615 |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | 6.75% | $7,225 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 5.75% | $11,517 |
| Magnolia Bank | 1 | 6.63% | $5,533 |
The top Anniston USDA lender as defined by loan originations is SUCCESS MORTGAGE PARTNERS, INC., with
8 USDA loans originated. Their average total fees are
$6,844, which is $3,308
higher than the next largest lender,
SouthPoint Bank.
The lowest fee Anniston USDA lenders (with over 10 loans originated) are
.
The lowest rate Anniston USDA lenders (with over 10 loans originated) are
.