Calhoun USDA Loan Rates, Closing Costs & Stats

Calhoun, GA

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.

Calhoun's 22 lenders originated 33 USDA loans during 2024. The total origination value was $7,675,000, with an average USDA loan value of $232,576.

Calhoun USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Calhoun averaged 0.01% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

Calhoun's average USDA mortgage closing costs are $5,222.

The average rate for the prior week (2025-06-13) was 6.61% and one month ago for the week of 2025-05-16, the average rate was 6.47%.

The average rate one year ago was 6.59%.

For refis of the same type during the week of 2025-06-20, the average rate was -0.23%.

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

Calhoun 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 Calhoun level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
SWBC MORTGAGE CORPORATION 3 6.38% $3,840
Renasant Bank 3 5.96% $9,224
BANKSOUTH MORTGAGE COMPANY, LLC 3 6.16% $11,744
MOVEMENT MORTGAGE, LLC 2 6.94% $7,989
NJ LENDERS CORP. 2 6.44% $7,576
Ameris Bank 2 6.19% $6,187
GUARANTEED RATE, INC. 2 6.63% $10,658
FBC MORTGAGE, LLC 1 5.99% $5,644
FirstBank 1 6.63% $10,663
Mortgage Assurance Inc. 1 5.75% $10,198
STOCKTON MORTGAGE CORPORATION 1 6.13% $6,783
SUCCESS MORTGAGE PARTNERS, INC. 1 5.63% $9,895
Synovus Bank 1 6.00% $7,981
TOWNE MORTGAGE COMPANY 1 6.49% $7,503
ACOPIA, LLC 1 7.13% $7,076
UNITED WHOLESALE MORTGAGE, LLC 1 5.48% $13,441
AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.63% $13,163
CANOPY MORTGAGE, LLC 1 6.13% $9,023
Capital City Home Loans, LLC 1 6.25% $10,707
Century Mortgage Company DBA Century Lending Company 1 6.13% $9,546
CROSSCOUNTRY MORTGAGE, LLC 1 6.50% $8,384
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.88% $4,645

The top Calhoun USDA lender as defined by loan originations is SWBC MORTGAGE CORPORATION, with 3 USDA loans originated. Their average total fees are $3,840, which is $5,384 lower than the next largest lender, Renasant Bank.

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

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