Fayetteville USDA Loan Rates, Closing Costs & Stats

FAYETTEVILLE, NC

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.

Fayetteville's 42 lenders originated 94 USDA loans during 2024. The total origination value was $24,330,000, with an average USDA loan value of $258,830.

Fayetteville USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Fayetteville averaged -0.24% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

Fayetteville's average USDA mortgage closing costs are $5,309.

The average rate for the prior week (2025-06-13) was 6.26% and one month ago for the week of 2025-05-16, the average rate was 6.32%.

The average rate one year ago was 6.85%.

For refis of the same type during the week of 2025-06-20, the average rate was -0.71%.

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

Fayetteville 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 Fayetteville level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
MOVEMENT MORTGAGE, LLC 11 6.17% $9,831
UNITED WHOLESALE MORTGAGE, LLC 8 6.06% $9,255
UNION HOME MORTGAGE CORP. 7 6.46% $8,458
Alcova Mortgage LLC 4 6.13% $4,671
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.63% $7,941
CROSSCOUNTRY MORTGAGE, LLC 4 6.70% $8,617
Century Mortgage Company DBA Century Lending Company 4 6.19% $6,260
GUARANTEED RATE, INC. 3 5.79% $10,380
American Security Mortgage Corp. 3 6.25% $7,001
NEWREZ LLC 3 5.71% $9,153
NFM, INC. 3 6.46% $9,495
1ST SIGNATURE LENDING, LLC 2 5.75% $13,763
NVR Mortgage Finance, Inc. 2 5.56% $12,529
FIRST HOME MORTGAGE CORPORATION 2 6.13% $12,766
CMG MORTGAGE, INC. 2 7.00% $6,758
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.81% $8,352
GUILD MORTGAGE COMPANY 2 6.31% $9,035
EQUITY RESOURCES, INC. 2 6.38% $6,505
Truist 2 5.75% $6,008
RESOURCE FINANCIAL SERVICES, INC. 1 6.62% $6,772
SeaTrust Mortgage Company 1 7.00% $8,457
SOUTHERN TRUST MORTGAGE, LLC 1 6.50% $9,435
South Pacific Financial Corporation 1 5.13% $5,434
VELOCIO MORTGAGE L.L.C. 1 4.99% $5,237
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 7.25% $8,898
Encompass Lending Group, LP 1 6.25% $7,178
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.13% $5,894
FIRST COMMUNITY MORTGAGE, INC. 1 6.00% $11,248
Flagstar Bank, FSB 1 6.11% $5,585
FLAT BRANCH MORTGAGE, INC. 1 6.13% $14,024
FREEDOM MORTGAGE CORPORATION 1 6.75% $6,493
GoPrime Mortgage, Inc. 1 6.62% $7,056
JET HOMELOANS, LLC 1 4.99% $6,862
Keystone Funding, Inc. 1 6.13% $7,811
Magnolia Bank 1 6.49% $6,310
North State Bank 1 6.00% $7,902
Paramount Residential Mortgage Group, Inc. 1 6.00% $5,646
PLAZA HOME MORTGAGE, INC. 1 6.75% $7,902
Presidential Bank, FSB 1 5.25% $12,752
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.63% $10,393
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.25% $7,891
Residential Acceptance Corporation 1 6.88% $6,329

The top Fayetteville USDA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with 11 USDA loans originated. Their average total fees are $9,831, which is $576 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Fayetteville USDA lenders (with over 10 loans originated) are MOVEMENT MORTGAGE, LLC ($9,831), .

The lowest rate Fayetteville USDA lenders (with over 10 loans originated) are MOVEMENT MORTGAGE, LLC (6.17%), .