Athens USDA Loan Rates, Closing Costs & Stats

Athens, TX

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.

Athens's 10 lenders originated 13 USDA loans during 2024. The total origination value was $2,595,000, with an average USDA loan value of $199,615.

Athens USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Athens averaged 0.21% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

Athens's average USDA mortgage closing costs are $5,976.

The average rate for the prior week (2025-06-13) was 6.71% and one month ago for the week of 2025-05-16, the average rate was 6.88%.

The average rate one year ago was 6.8%.

For refis of the same type during the week of 2025-06-20, the average rate was 0.26%.

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

Athens 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 Athens level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Equity Prime Mortgage LLC 2 6.69% $6,950
GUILD MORTGAGE COMPANY 2 6.50% $7,818
WILLOW BEND MORTGAGE COMPANY, LLC 2 6.38% $8,849
CARDINAL FINANCIAL 1 6.75% $9,243
INTERLINC MORTGAGE SERVICES, LLC 1 5.88% $8,808
MORTGAGE FINANCIAL SERVICES, LLC 1 6.25% $7,361
S1L, Inc. 1 6.25% $8,411
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 5.62% $8,084
DHI MORTGAGE COMPANY, LTD. 1 5.38% $4,463
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $5,611

The top Athens USDA lender as defined by loan originations is Equity Prime Mortgage LLC, with 2 USDA loans originated. Their average total fees are $6,950, which is $868 lower than the next largest lender, GUILD MORTGAGE COMPANY.

The lowest fee Athens USDA lenders (with over 10 loans originated) are .

The lowest rate Athens USDA lenders (with over 10 loans originated) are .