Dallas USDA Loan Rates, Closing Costs & Stats

Dallas-Fort Worth-Arlington, TX

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    • 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.

    Dallas's 58 lenders originated 184 USDA loans during 2024. The total origination value was $48,850,000, with an average USDA loan value of $265,489.

    Dallas USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Dallas averaged -0.07% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

    Dallas's average USDA mortgage closing costs are $7,104.

    The average rate for the prior week (2025-06-13) was 6.33% and one month ago for the week of 2025-05-16, the average rate was 6.39%.

    The average rate one year ago was 6.41%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.27%.

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

    Dallas 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 Dallas level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    DHI MORTGAGE COMPANY, LTD. 40 4.68% $6,820
    EAGLE HOME MORTGAGE, LLC 30 4.47% $6,513
    GUILD MORTGAGE COMPANY 16 6.41% $9,985
    UNITED WHOLESALE MORTGAGE, LLC 8 5.80% $14,072
    PLANET HOME LENDING, LLC 5 6.18% $11,830
    SECURITYNATIONAL MORTGAGE COMPANY 4 5.84% $9,040
    Independent Bank 4 6.38% $7,938
    NEWREZ LLC 3 6.54% $9,630
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 5.88% $10,344
    LOANDEPOT.COM, LLC 3 6.33% $7,592
    EVERETT FINANCIAL, INC. 3 6.21% $9,849
    AMERICAN FINANCIAL RESOURCES, INC. 3 7.00% $6,355
    South Pacific Financial Corporation 2 5.38% $5,976
    Republic State Mortgage Co. 2 5.63% $9,287
    Paramount Residential Mortgage Group, Inc. 2 5.94% $10,432
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 5.94% $14,614
    MICHIGAN MUTUAL, INC. 2 6.13% $9,926
    CANOPY MORTGAGE, LLC 2 6.56% $14,345
    CARDINAL FINANCIAL 2 7.56% $8,029
    CROSSCOUNTRY MORTGAGE, LLC 2 6.06% $13,140
    S1L, Inc. 2 5.50% $9,093
    Equity Prime Mortgage LLC 2 6.44% $8,794
    BROKER SOLUTIONS, INC. 2 6.38% $8,368
    ROYAL UNITED MORTGAGE LLC 1 7.63% $7,753
    SeaTrust Mortgage Company 1 6.00% $7,240
    Sierra Pacific Mortgage Company, Inc. 1 5.99% $8,669
    Simmons Bank 1 5.88% $8,582
    SUMMIT FUNDING, INC. 1 7.00% $10,489
    SUN WEST MORTGAGE COMPANY, INC. 1 6.88% $8,658
    T2 FINANCIAL LLC 1 6.25% $14,286
    THE MORTGAGE LINK, INC. 1 6.38% $14,010
    TOWNE MORTGAGE COMPANY 1 5.75% $10,629
    Town Square Mortgage & Investments, Inc. 1 5.88% $9,382
    UNION HOME MORTGAGE CORP. 1 6.00% $12,332
    V.I.P. MORTGAGE, INC. 1 6.50% $12,096
    Waterstone Mortgage Corporation 1 7.25% $7,704
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.50% $15,678
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $4,977
    BancorpSouth 1 5.50% $11,677
    Century Mortgage Company DBA Century Lending Company 1 6.13% $11,499
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.25% $8,648
    City Lending Inc. 1 6.50% $6,309
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 5.88% $10,438
    First Bank 1 6.25% $9,090
    Flagstar Bank, FSB 1 4.75% $16,158
    GARDNER FINANCIAL SERVICES, LTD. 1 6.63% $6,734
    GENEVA FINANCIAL, LLC 1 6.50% $6,854
    Guaranty Bank & Trust, N.A. 1 6.50% $6,749
    INTERLINC MORTGAGE SERVICES, LLC 1 6.25% $8,045
    KBHS HOME LOANS, LLC 1 6.13% $9,610
    Loan Simple, Inc. 1 6.88% $15,260
    METROPLEX MORTGAGE SERVICES, INC. 1 4.75% $8,972
    MID AMERICA MORTGAGE, INC. 1 6.50% $3,895
    M/I FINANCIAL, LLC 1 5.63% $16,627
    MORTGAGEONE, INC. 1 5.25% $15,264
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.13% $15,610
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 7.00% $8,343
    Prosperity Home Mortgage, LLC 1 6.00% $8,639

    The top Dallas USDA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 40 USDA loans originated. Their average total fees are $6,820, which is $307 higher than the next largest lender, EAGLE HOME MORTGAGE, LLC.

    The lowest fee Dallas USDA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($6,513), DHI MORTGAGE COMPANY, LTD. ($6,820), GUILD MORTGAGE COMPANY ($9,985), .

    The lowest rate Dallas USDA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.47%), DHI MORTGAGE COMPANY, LTD. (4.68%), GUILD MORTGAGE COMPANY (6.41%), .