Greenville USDA Loan Rates, Closing Costs & Stats

GREENVILLE-ANDERSON, SC

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.

Greenville's 55 lenders originated 158 USDA loans during 2024. The total origination value was $36,640,000, with an average USDA loan value of $231,899.

Greenville USDA Loans, 30 Year Fixed Rates

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

Greenville's average USDA mortgage closing costs are $5,645.

The average rate for the prior week (2025-06-13) was 6.54% and one month ago for the week of 2025-05-16, the average rate was 6.71%.

The average rate one year ago was 6.73%.

For refis of the same type during the week of 2025-06-20, the average rate was -0.1%.

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

Greenville 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 Greenville level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
PRIMELENDING, A PLAINSCAPITAL COMPANY 11 6.41% $9,335
EAGLE HOME MORTGAGE, LLC 10 5.95% $9,281
DHI MORTGAGE COMPANY, LTD. 9 5.16% $6,294
Countybank 8 6.27% $6,437
UNITED WHOLESALE MORTGAGE, LLC 8 6.42% $10,219
AMERICAN PACIFIC MORTGAGE CORPORATION 7 6.70% $6,988
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 6 6.58% $9,052
NVR Mortgage Finance, Inc. 5 5.95% $8,878
South State Bank 5 6.05% $6,220
CROSSCOUNTRY MORTGAGE, LLC 5 6.78% $7,649
MOVEMENT MORTGAGE, LLC 4 6.09% $7,880
STOCKTON MORTGAGE CORPORATION 4 6.38% $6,882
CARDINAL FINANCIAL 4 6.88% $6,835
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.31% $9,859
First-Citizens Bank & Trust Company 4 5.94% $6,719
First Reliance Bank 4 6.22% $7,376
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 6.42% $8,182
TOWNE MORTGAGE COMPANY 3 5.92% $10,952
Network Funding, L.P. 3 6.29% $8,019
INSPIRE HOME LOANS INC. 3 5.38% $8,384
ACOPIA, LLC 2 6.81% $10,478
BANKSOUTH MORTGAGE COMPANY, LLC 2 6.18% $8,990
HOMESIDE FINANCIAL, LLC 2 6.31% $10,179
LOANDEPOT.COM, LLC 2 6.13% $12,456
Magnolia Bank 2 6.00% $8,697
Paramount Residential Mortgage Group, Inc. 2 5.94% $6,299
PLAZA HOME MORTGAGE, INC. 2 6.00% $9,600
Presidential Bank, FSB 2 6.19% $9,405
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.56% $7,870
SWBC MORTGAGE CORPORATION 2 6.75% $6,008
UNION HOME MORTGAGE CORP. 2 6.25% $7,751
GSF Mortgage Corporation 1 6.25% $9,233
NEWREZ LLC 1 5.50% $6,035
Flagstar Bank, FSB 1 6.43% $6,488
The Loan Store, Inc. 1 6.25% $8,289
Ameris Bank 1 6.13% $9,552
TruHome Solutions, LLC 1 6.13% $9,778
Truist 1 6.00% $4,842
FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 6.75% $5,395
Regions Bank 1 6.00% $6,910
Renasant Bank 1 6.13% $9,056
Sierra Pacific Mortgage Company, Inc. 1 5.88% $12,114
Southern First Bank 1 5.50% $10,561
SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.63% $3,188
Assurance Financial Group, L.L.C. 1 6.50% $6,237
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.63% $8,522
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 7.00% $9,104
SUN WEST MORTGAGE COMPANY, INC. 1 5.38% $8,218
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.49% $9,316
Integrity Home Mortgage Corp 1 5.75% $6,583
Keystone Funding, Inc. 1 6.00% $8,210
American Mortgage & Equity Consultants, Inc. 1 7.13% $6,772
T2 FINANCIAL LLC 1 7.13% $9,683
Mortgage Research Center, LLC 1 6.63% $6,091
GUARANTEED RATE, INC. 1 6.65% $4,770

The top Greenville USDA lender as defined by loan originations is PRIMELENDING, A PLAINSCAPITAL COMPANY, with 11 USDA loans originated. Their average total fees are $9,335, which is $54 higher than the next largest lender, EAGLE HOME MORTGAGE, LLC.

The lowest fee Greenville USDA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($9,281), PRIMELENDING, A PLAINSCAPITAL COMPANY ($9,335), .

The lowest rate Greenville USDA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.95%), PRIMELENDING, A PLAINSCAPITAL COMPANY (6.41%), .