Fayetteville USDA Loan Rates, Closing Costs & Stats

FAYETTEVILLE-SPRINGDALE-ROGERS, AR

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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.

    Fayetteville's 38 lenders originated 173 USDA loans during 2024. The total origination value was $44,835,000, with an average USDA loan value of $259,162.

    Fayetteville USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Fayetteville averaged -0.05% for the week of 2025-07-04, compared to the national average (all USDA variants) of 0% for the same period.

    Fayetteville's average USDA mortgage closing costs are $4,743.

    The average rate for the prior week (2025-06-27) was 6.59% and one month ago for the week of 2025-05-30, the average rate was 6.67%.

    The average rate one year ago was 6.67%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.5%.

    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
    DHI MORTGAGE COMPANY, LTD. 22 5.47% $5,607
    FLAT BRANCH MORTGAGE, INC. 12 6.36% $7,080
    Priority Bank 10 6.06% $7,067
    Arvest Bank 8 6.55% $6,786
    CORNERSTONE HOME LENDING, INC. 7 6.00% $9,258
    Gateway First Bank 5 6.30% $6,851
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 6.45% $6,343
    American Mortgage Bank, LLC 4 5.97% $12,463
    GUILD MORTGAGE COMPANY 4 6.25% $7,588
    DAS Acquisition Company, LLC 3 6.83% $6,939
    Eagle Bank and Trust Company 3 6.13% $7,506
    MY MOVE MORTGAGE, LLC 3 6.17% $6,947
    First Horizon Bank 3 6.17% $6,191
    Simmons Bank 2 6.56% $6,031
    ASSOCIATED MORTGAGE CORPORATION 2 5.63% $10,076
    LEADERONE FINANCIAL CORPORATION 2 6.56% $7,362
    Centennial Bank 2 6.44% $6,066
    COMMUNITY MORTGAGE CORPORATION 2 6.25% $6,065
    GENEVA FINANCIAL, LLC 2 5.94% $12,204
    Equity Prime Mortgage LLC 2 6.50% $7,658
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.00% $9,473
    Firstar Bank 2 6.19% $5,326
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.81% $5,697
    UNITED WHOLESALE MORTGAGE, LLC 1 6.25% $11,009
    AMERICAN FINANCIAL NETWORK, INC. 1 5.75% $9,252
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $4,963
    American Mortgage & Equity Consultants, Inc. 1 6.25% $12,066
    Bank of England 1 7.25% $6,080
    First Financial Bank 1 6.13% $8,270
    First Security Bank 1 6.13% $5,208
    GMFS LLC 1 6.13% $5,544
    HOMESIDE FINANCIAL, LLC 1 6.38% $6,561
    NATIONS RELIABLE LENDING, LLC 1 6.62% $6,659
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.13% $11,118
    SENTE MORTGAGE, INC. 1 6.62% $5,557
    T2 FINANCIAL LLC 1 6.87% $5,499
    UNITED 1 6.25% $10,793
    Alliance Credit Union 1 7.13% $20,833

    The top Fayetteville USDA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 22 USDA loans originated. Their average total fees are $5,607, which is $1,473 lower than the next largest lender, FLAT BRANCH MORTGAGE, INC..

    The lowest fee Fayetteville USDA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($5,607), Priority Bank ($7,067), FLAT BRANCH MORTGAGE, INC. ($7,080), .

    The lowest rate Fayetteville USDA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.47%), Priority Bank (6.06%), FLAT BRANCH MORTGAGE, INC. (6.36%), .