Dalton USDA Loan Rates, Closing Costs & Stats

DALTON, 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.

Dalton's 17 lenders originated 23 USDA loans during 2024. The total origination value was $5,355,000, with an average USDA loan value of $232,826.

Dalton USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Dalton averaged 6.82% for the week of 2025-06-27, compared to the national average (all USDA variants) of 6.457% for the same period.

Dalton's average USDA mortgage closing costs are $5,600.

The average rate for the prior week (2025-06-20) was 6.54% and one month ago for the week of 2025-05-23, the average rate was 6.7%.

The average rate one year ago was 7.01%.

For refis of the same type during the week of 2025-06-27, the average rate was 6.6%.

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

Dalton 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 Dalton level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
MOVEMENT MORTGAGE, LLC 3 6.92% $8,177
BANKSOUTH MORTGAGE COMPANY, LLC 2 6.19% $12,804
Ameris Bank 2 6.38% $7,531
Encompass Lending Group, LP 1 6.25% $12,406
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $8,392
FIRST COMMUNITY MORTGAGE, INC. 1 5.88% $7,605
GUARANTEED RATE, INC. 1 5.99% $8,613
LEADERONE FINANCIAL CORPORATION 1 7.00% $9,336
PANORAMA MORTGAGE GROUP, LLC 1 6.75% $8,971
Paramount Residential Mortgage Group, Inc. 1 6.38% $4,781
Renasant Bank 1 6.50% $8,684
TJC Mortgage, Inc. 1 6.00% $9,116
TOWNE MORTGAGE COMPANY 1 6.13% $9,627
AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.00% $9,702
UNITED WHOLESALE MORTGAGE, LLC 1 5.75% $10,729
Barrington Bank & Trust Company, N.A. 1 6.75% $8,332
CANOPY MORTGAGE, LLC 1 5.75% $8,140

The top Dalton USDA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with 3 USDA loans originated. Their average total fees are $8,177, which is $4,628 lower than the next largest lender, BANKSOUTH MORTGAGE COMPANY, LLC.

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

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