Greeneville USDA Loan Rates, Closing Costs & Stats

Greeneville, TN

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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.

    Greeneville's 11 lenders originated 18 USDA loans during 2023. The total origination value was $3,540,000, with an average USDA loan value of $196,667.

    Greeneville USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Greeneville averaged 6.45% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Greeneville's average USDA mortgage closing costs are $4,906.

    The average rate for the prior week (2024-12-06) was 6.29% and one month ago for the week of 2024-11-08, the average rate was 6.5%.

    The average rate one year ago was 6.87%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.1%.

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

    Greeneville 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 Greeneville level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GVC MORTGAGE, INC. 3 6.25% $6,231
    MORTGAGE INVESTORS GROUP, INC. 2 6.25% $9,256
    EVERETT FINANCIAL, INC. 2 7.00% $5,167
    UNION HOME MORTGAGE CORP. 2 5.81% $9,464
    UNITED WHOLESALE MORTGAGE, LLC 2 6.69% $7,374
    Sierra Pacific Mortgage Company, Inc. 1 7.13% $10,685
    MID AMERICA MORTGAGE, INC. 1 5.50% $6,222
    GENEVA FINANCIAL, LLC 1 7.00% $12,917
    LEADERONE FINANCIAL CORPORATION 1 5.38% $10,643
    DAS Acquisition Company, LLC 1 7.75% $9,491
    Northpointe Bank 1 5.63% $8,097

    The top Greeneville USDA lender as defined by loan originations is GVC MORTGAGE, INC., with 3 USDA loans originated. Their average total fees are $6,231, which is $3,025 lower than the next largest lender, MORTGAGE INVESTORS GROUP, INC..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Greeneville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $179,900 (19.9%) $259,815 (17.0%) 0.00 265
    2018-02-01 $179,950 (20.1%) $271,331 (19.2%) 0.00 258
    2018-03-01 $189,900 (23.5%) $268,117 (11.3%) 0.00 253
    2018-04-01 $186,450 (13.1%) $261,846 (5.4%) 0.00 256
    2018-05-01 $189,925 (8.6%) $264,260 (3.8%) 0.00 266
    2018-06-01 $179,900 (4.9%) $253,554 (2.5%) 0.00 284
    2018-07-01 $178,675 (-2.0%) $251,808 (0.9%) 0.00 292
    2018-08-01 $179,900 (1.4%) $250,184 (1.5%) 0.00 296
    2018-09-01 $179,900 (2.9%) $248,359 (1.7%) 0.00 305
    2018-10-01 $171,400 (-2.2%) $235,734 (-5.5%) 0.00 293
    2018-11-01 $169,900 (-5.6%) $231,429 (-10.1%) 0.00 291
    2018-12-01 $169,900 (-5.3%) $233,540 (-10.2%) 0.00 275
    2019-01-01 $169,900 (-5.6%) $235,543 (-9.3%) 0.00 262
    2019-02-01 $165,575 (-8.0%) $231,885 (-14.5%) 0.00 269
    2019-03-01 $178,471 (-6.0%) $243,374 (-9.2%) 0.00 263
    2019-04-01 $194,449 (4.3%) $258,073 (-1.4%) 0.00 252
    2019-05-01 $198,000 (4.3%) $254,077 (-3.9%) 0.00 256
    2019-06-01 $207,450 (15.3%) $262,858 (3.7%) 0.00 258
    2019-07-01 $209,900 (17.5%) $262,661 (4.3%) 0.00 251
    2019-08-01 $194,445 (8.1%) $256,054 (2.4%) 0.00 254
    2019-09-01 $186,264 (3.5%) $250,690 (0.9%) 0.00 253
    2019-10-01 $182,059 (6.2%) $246,834 (4.7%) 0.00 252
    2019-11-01 $184,900 (8.8%) $250,799 (8.4%) 0.00 248
    2019-12-01 $184,925 (8.8%) $256,300 (9.8%) 0.00 235
    2020-01-01 $184,950 (8.9%) $257,200 (9.2%) 0.00 210
    2020-02-01 $209,900 (26.8%) $260,457 (12.3%) 0.00 203
    2020-03-01 $225,550 (26.4%) $283,798 (16.6%) 0.00 167
    2020-04-01 $239,950 (23.4%) $313,772 (21.6%) 0.00 161
    2020-05-01 $248,900 (25.7%) $319,164 (25.6%) 0.00 141
    2020-06-01 $247,425 (19.3%) $323,810 (23.2%) 0.00 133
    2020-07-01 $242,175 (15.4%) $315,434 (20.1%) 0.00 114
    2020-08-01 $234,900 (20.8%) $313,255 (22.3%) 0.00 113
    2020-09-01 $233,750 (25.5%) $320,170 (27.7%) 0.00 92
    2020-10-01 $234,500 (28.8%) $324,516 (31.5%) 0.00 96
    2020-11-01 $244,900 (32.5%) $321,246 (28.1%) 0.00 105
    2020-12-01 $229,900 (24.3%) $330,662 (29.0%) 0.00 100
    2021-01-01 $229,900 (24.3%) $329,389 (28.1%) 0.00 98
    2021-02-01 $288,100 (37.3%) $390,912 (50.1%) 0.00 69
    2021-03-01 $278,550 (23.5%) $390,798 (37.7%) 0.00 65
    2021-04-01 $296,975 (23.8%) $421,639 (34.4%) 0.00 68
    2021-05-01 $271,000 (8.9%) $397,234 (24.5%) 0.00 89
    2021-06-01 $296,800 (20.0%) $423,302 (30.7%) 0.00 98
    2021-07-01 $299,900 (23.8%) $418,060 (32.5%) 0.00 114
    2021-08-01 $284,900 (21.3%) $404,585 (29.2%) 0.00 108
    2021-09-01 $269,975 (15.5%) $382,778 (19.6%) 0.00 105
    2021-10-01 $249,900 (6.6%) $386,876 (19.2%) 0.00 107
    2021-11-01 $282,450 (15.3%) $384,082 (19.6%) 0.00 100
    2021-12-01 $256,950 (11.8%) $404,021 (22.2%) 0.00 83
    2022-01-01 $304,450 (32.4%) $424,356 (28.8%) 0.00 69
    2022-02-01 $346,175 (20.2%) $453,172 (15.9%) 0.00 62
    2022-03-01 $361,200 (29.7%) $475,879 (21.8%) 0.00 56
    2022-04-01 $329,900 (11.1%) $422,408 (0.2%) 0.00 61
    2022-05-01 $289,450 (6.8%) $379,216 (-4.5%) 0.00 77
    2022-06-01 $333,725 (12.4%) $406,723 (-3.9%) 0.00 92
    2022-07-01 $334,950 (11.7%) $406,160 (-2.9%) 0.00 100
    2022-08-01 $339,475 (19.2%) $406,009 (0.4%) 0.00 109
    2022-09-01 $349,900 (29.6%) $404,597 (5.7%) 0.00 136
    2022-10-01 $348,450 (39.4%) $404,000 (4.4%) 0.00 152
    2022-11-01 $349,900 (23.9%) $398,965 (3.9%) 0.00 154
    2022-12-01 $349,900 (36.2%) $406,914 (0.7%) 0.00 148
    2023-01-01 $356,175 (17.0%) $420,045 (-1.0%) 0.00 143
    2023-02-01 $354,900 (2.5%) $433,592 (-4.3%) 0.00 124
    2023-03-01 $356,453 (-1.3%) $442,336 (-7.1%) 0.00 120
    2023-04-01 $369,900 (12.1%) $517,911 (22.6%) 0.00 117
    2023-05-01 $362,400 (25.2%) $493,689 (30.2%) 0.00 125
    2023-06-01 $365,925 (9.7%) $489,640 (20.4%) 0.00 143
    2023-07-01 $399,000 (19.1%) $524,369 (29.1%) 0.00 145
    2023-08-01 $388,725 (14.5%) $522,558 (28.7%) 0.00 156
    2023-09-01 $384,950 (10.0%) $552,188 (36.5%) 0.00 142
    2023-10-01 $349,900 (0.4%) $514,039 (27.2%) 0.00 149
    2023-11-01 $339,000 (-3.1%) $475,170 (19.1%) 0.00 152
    2023-12-01 $329,450 (-5.8%) $472,563 (16.1%) 0.00 154
    2024-01-01 $344,450 (-3.3%) $449,899 (7.1%) 0.00 133
    2024-02-01 $343,750 (-3.1%) $462,058 (6.6%) 0.00 118
    2024-03-01 $349,900 (-1.8%) $456,848 (3.3%) 0.00 128
    2024-04-01 $349,900 (-5.4%) $465,370 (-10.1%) 0.00 130
    2024-05-01 $327,450 (-9.6%) $477,138 (-3.4%) 0.00 166
    2024-06-01 $339,500 (-7.2%) $494,209 (0.9%) 0.00 181
    2024-07-01 $318,700 (-20.1%) $441,384 (-15.8%) 0.00 220
    2024-08-01 $310,000 (-20.3%) $443,566 (-15.1%) 0.00 246
    2024-09-01 $324,200 (-15.8%) $459,214 (-16.8%) 0.00 228
    2024-10-01 $324,325 (-7.3%) $458,156 (-10.9%) 0.00 230
    2024-11-01 $335,000 (-1.2%) $462,226 (-2.7%) 0.00 254
    Greeneville's median listing price for 2024-11-01 was $335,000, a difference of $-4,000 (-1.2%) versus the prior year and $10,675 versus the prior month.

    Greeneville's median listing price comes in at 0% of the national average.

    Greeneville's average listing price for 2024-11-01 was $462,226, a difference of $-12,944 (-2.7%) versus the prior year and $4,070 versus the prior month.

    For the 2024-11-01 period, Greeneville had 254 MLS listings, a difference of 24 listings (10%) versus the prior month and 102 listings (67%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Greeneville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,066 sqft
    2018-02-01 0 days 2,029 sqft
    2018-03-01 0 days 2,005 sqft
    2018-04-01 0 days 1,989 sqft
    2018-05-01 0 days 1,951 sqft
    2018-06-01 0 days 1,894 sqft
    2018-07-01 0 days 1,926 sqft
    2018-08-01 0 days 1,972 sqft
    2018-09-01 0 days 2,000 sqft
    2018-10-01 0 days 1,984 sqft
    2018-11-01 0 days 1,884 sqft
    2018-12-01 0 days 1,923 sqft
    2019-01-01 0 days 1,850 sqft
    2019-02-01 0 days 1,860 sqft
    2019-03-01 0 days 1,921 sqft
    2019-04-01 0 days 2,053 sqft
    2019-05-01 0 days 2,061 sqft
    2019-06-01 0 days 2,047 sqft
    2019-07-01 0 days 2,048 sqft
    2019-08-01 0 days 1,971 sqft
    2019-09-01 0 days 1,894 sqft
    2019-10-01 0 days 1,833 sqft
    2019-11-01 0 days 1,920 sqft
    2019-12-01 0 days 1,911 sqft
    2020-01-01 0 days 1,920 sqft
    2020-02-01 0 days 1,830 sqft
    2020-03-01 0 days 1,966 sqft
    2020-04-01 0 days 2,062 sqft
    2020-05-01 0 days 2,042 sqft
    2020-06-01 0 days 2,063 sqft
    2020-07-01 0 days 2,040 sqft
    2020-08-01 0 days 2,009 sqft
    2020-09-01 0 days 1,888 sqft
    2020-10-01 0 days 1,935 sqft
    2020-11-01 0 days 1,904 sqft
    2020-12-01 0 days 1,876 sqft
    2021-01-01 0 days 1,717 sqft
    2021-02-01 0 days 2,014 sqft
    2021-03-01 0 days 2,007 sqft
    2021-04-01 0 days 1,942 sqft
    2021-05-01 0 days 1,872 sqft
    2021-06-01 0 days 1,859 sqft
    2021-07-01 0 days 1,871 sqft
    2021-08-01 0 days 1,783 sqft
    2021-09-01 0 days 1,743 sqft
    2021-10-01 0 days 1,788 sqft
    2021-11-01 0 days 1,811 sqft
    2021-12-01 0 days 1,757 sqft
    2022-01-01 0 days 1,856 sqft
    2022-02-01 0 days 2,119 sqft
    2022-03-01 0 days 2,046 sqft
    2022-04-01 0 days 1,858 sqft
    2022-05-01 0 days 1,812 sqft
    2022-06-01 0 days 1,884 sqft
    2022-07-01 0 days 1,783 sqft
    2022-08-01 0 days 1,800 sqft
    2022-09-01 0 days 1,700 sqft
    2022-10-01 0 days 1,738 sqft
    2022-11-01 0 days 1,800 sqft
    2022-12-01 0 days 1,810 sqft
    2023-01-01 0 days 1,849 sqft
    2023-02-01 0 days 1,985 sqft
    2023-03-01 0 days 1,932 sqft
    2023-04-01 0 days 1,947 sqft
    2023-05-01 0 days 1,842 sqft
    2023-06-01 0 days 1,805 sqft
    2023-07-01 0 days 1,931 sqft
    2023-08-01 0 days 1,936 sqft
    2023-09-01 0 days 1,792 sqft
    2023-10-01 0 days 1,742 sqft
    2023-11-01 0 days 1,731 sqft
    2023-12-01 0 days 1,690 sqft
    2024-01-01 0 days 1,679 sqft
    2024-02-01 0 days 1,720 sqft
    2024-03-01 0 days 1,797 sqft
    2024-04-01 0 days 1,788 sqft
    2024-05-01 0 days 1,760 sqft
    2024-06-01 0 days 1,710 sqft
    2024-07-01 0 days 1,699 sqft
    2024-08-01 0 days 1,694 sqft
    2024-09-01 0 days 1,716 sqft
    2024-10-01 0 days 1,700 sqft
    2024-11-01 0 days 1,756 sqft
    Greeneville's median listing age (time on market) for 2024-11-01 was 0 days.

    Greeneville's median square footage for active listings during the 2024-11-01 period was 1,756 sqft. One year prior, the average listing was 1,731 sqft.