Dayton USDA Loan Rates, Closing Costs & Stats

DAYTON-KETTERING, OH

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.

Dayton's 25 lenders originated 49 USDA loans during 2024. The total origination value was $9,125,000, with an average USDA loan value of $186,224.

Dayton USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Dayton averaged 0.41% for the week of 2025-07-04, compared to the national average (all USDA variants) of 0% for the same period.

Dayton's average USDA mortgage closing costs are $5,016.

The average rate for the prior week (2025-06-27) was 6.85% and one month ago for the week of 2025-05-30, the average rate was 6.74%.

The average rate one year ago was 7.13%.

For refis of the same type during the week of 2025-07-04, the average rate was -0.24%.

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

Dayton 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 Dayton level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Union Savings Bank 7 6.41% $4,752
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.70% $6,831
LOANDEPOT.COM, LLC 5 6.40% $6,017
HOMESIDE FINANCIAL, LLC 4 6.47% $5,749
UNITED WHOLESALE MORTGAGE, LLC 3 6.36% $8,244
Gateway First Bank 2 6.69% $6,198
DAS Acquisition Company, LLC 2 7.19% $8,096
Mortgage Research Center, LLC 2 6.00% $3,272
FIRST COMMUNITY MORTGAGE, INC. 2 7.06% $7,523
NEWREZ LLC 2 7.19% $4,177
Presidential Bank, FSB 1 6.75% $7,519
The Huntington National Bank 1 6.38% $6,161
UNION HOME MORTGAGE CORP. 1 6.13% $11,500
U.S. Bank 1 7.25% $6,022
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.99% $4,342
WRIGHT-PATT CREDIT UNION, INC. 1 6.50% $5,147
CROSSCOUNTRY MORTGAGE, LLC 1 5.75% $12,138
DIRECT MORTGAGE LOANS, LLC 1 7.00% $6,833
EQUITY RESOURCES, INC. 1 6.49% $5,178
First Financial Bank 1 6.75% $8,645
Flagstar Bank, FSB 1 6.25% $4,854
GUARANTEED RATE, INC. 1 5.63% $13,083
MOVEMENT MORTGAGE, LLC 1 6.63% $7,743
NATIONS RELIABLE LENDING, LLC 1 5.99% $6,719
POLARIS HOME FUNDING CORP. 1 6.75% $9,140

The top Dayton USDA lender as defined by loan originations is Union Savings Bank, with 7 USDA loans originated. Their average total fees are $4,752, which is $2,079 lower than the next largest lender, PRIMELENDING, A PLAINSCAPITAL COMPANY.

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

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