Battle Creek USDA Loan Rates, Closing Costs & Stats

BATTLE CREEK, MI

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.

Battle Creek's 10 lenders originated 17 USDA loans during 2024. The total origination value was $2,825,000, with an average USDA loan value of $166,176.

Battle Creek USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Battle Creek averaged 0.55% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

Battle Creek's average USDA mortgage closing costs are $4,806.

The average rate for the prior week (2025-06-13) was 6.75% and one month ago for the week of 2025-05-16, the average rate was 6.81%.

The average rate one year ago was 6.93%.

For refis of the same type during the week of 2025-06-20, the average rate was 0.19%.

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

Battle Creek 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 Battle Creek level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNION HOME MORTGAGE CORP. 4 7.06% $6,757
MORTGAGE 1 INCORPORATED 2 6.81% $10,962
Flagstar Bank, FSB 1 6.38% $10,026
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.00% $6,026
GUILD MORTGAGE COMPANY 1 6.38% $5,081
Honor Credit Union 1 7.25% $4,555
SUCCESS MORTGAGE PARTNERS, INC. 1 7.13% $5,449
Century Mortgage Company DBA Century Lending Company 1 5.63% $0
UNITED 1 6.75% $5,437
Fifth Third Bank 1 7.00% $3,875

The top Battle Creek USDA lender as defined by loan originations is UNION HOME MORTGAGE CORP., with 4 USDA loans originated. Their average total fees are $6,757, which is $4,204 lower than the next largest lender, MORTGAGE 1 INCORPORATED.

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

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