Greensboro USDA Loan Rates, Closing Costs & Stats

GREENSBORO-HIGH POINT, 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.

Greensboro's 39 lenders originated 107 USDA loans during 2024. The total origination value was $22,865,000, with an average USDA loan value of $213,692.

Greensboro USDA Loans, 30 Year Fixed Rates

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

Greensboro's average USDA mortgage closing costs are $4,936.

The average rate for the prior week (2025-06-27) was 6.74% and one month ago for the week of 2025-05-30, the average rate was 6.82%.

The average rate one year ago was 6.72%.

For refis of the same type during the week of 2025-07-04, the average rate was 0.17%.

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

Greensboro 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 Greensboro level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 8 6.77% $8,606
MOVEMENT MORTGAGE, LLC 6 6.58% $7,597
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 5.98% $8,558
DHI MORTGAGE COMPANY, LTD. 5 4.54% $5,606
Alcova Mortgage LLC 4 6.69% $6,044
CROSSCOUNTRY MORTGAGE, LLC 3 6.71% $9,510
Ameris Bank 3 5.92% $8,646
HomeTrust Bank 3 6.21% $4,038
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 6.62% $9,124
Renasant Bank 2 6.75% $4,450
First National Bank of Pennsylvania 2 6.19% $6,159
Integrity Home Mortgage Corp 2 7.00% $7,345
UNION HOME MORTGAGE CORP. 2 6.13% $8,108
CMG MORTGAGE, INC. 2 6.06% $10,294
UNITED WHOLESALE MORTGAGE, LLC 2 6.25% $9,243
MID AMERICA MORTGAGE, INC. 1 6.50% $2,450
MORTGAGE FINANCIAL GROUP, INC. 1 6.13% $12,692
Mortgage Research Center, LLC 1 6.63% $1,585
NEWREZ LLC 1 6.25% $4,985
Paramount Residential Mortgage Group, Inc. 1 6.88% $5,910
Prosperity Home Mortgage, LLC 1 6.49% $7,092
The Fidelity Bank 1 5.63% $7,615
TOWNE MORTGAGE COMPANY 1 6.13% $10,690
ACOPIA, LLC 1 6.63% $6,117
Victorian Finance, LLC 1 6.75% $8,442
AMERICAN FINANCIAL NETWORK, INC. 1 6.63% $7,650
American Security Mortgage Corp. 1 6.50% $10,627
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.88% $9,377
Barrington Bank & Trust Company, N.A. 1 7.75% $4,109
BAY CAPITAL MORTGAGE CORPORATION 1 6.25% $5,747
BROKER SOLUTIONS, INC. 1 6.00% $9,625
EQUITY RESOURCES, INC. 1 6.99% $4,207
EVERETT FINANCIAL, INC. 1 6.50% $10,499
First Heritage Mortgage, LLC 1 7.25% $6,419
GUARANTEED RATE, INC. 1 5.73% $7,432
GUILD MORTGAGE COMPANY 1 6.88% $9,331
Ixonia Bank 1 5.63% $10,298
Keystone Funding, Inc. 1 5.75% $5,777
Magnolia Bank 1 5.99% $7,959

The top Greensboro USDA lender as defined by loan originations is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with 8 USDA loans originated. Their average total fees are $8,606, which is $1,009 higher than the next largest lender, MOVEMENT MORTGAGE, LLC.

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

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