Greenville USDA Loan Rates, Closing Costs & Stats

GREENVILLE-ANDERSON, SC

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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.

    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 6.39% for the week of 2025-04-11, compared to the national average (all USDA variants) of 6.449% for the same period.

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

    The average rate for the prior week (2025-04-04) was 6.15% and one month ago for the week of 2025-03-07, the average rate was 6.62%.

    The average rate one year ago was 6.87%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.25%.

    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%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Greenville (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 $269,448 (3.8%) $352,535 (1.5%) 1.00 3,073
    2018-02-01 $270,200 (4.0%) $367,197 (5.5%) 0.98 3,077
    2018-03-01 $274,900 (3.6%) $371,234 (4.5%) 0.96 3,123
    2018-04-01 $275,950 (2.6%) $376,495 (3.3%) 0.94 3,248
    2018-05-01 $274,950 (1.9%) $379,888 (4.9%) 0.92 3,357
    2018-06-01 $279,000 (1.5%) $383,917 (4.5%) 0.93 3,442
    2018-07-01 $275,000 (0.0%) $379,620 (3.0%) 0.92 3,454
    2018-08-01 $274,500 (0.0%) $381,299 (4.0%) 0.92 3,421
    2018-09-01 $267,000 (-1.1%) $375,631 (3.7%) 0.90 3,538
    2018-10-01 $264,363 (-2.5%) $372,939 (1.9%) 0.90 3,598
    2018-11-01 $264,950 (-1.8%) $374,803 (2.5%) 0.90 3,516
    2018-12-01 $261,035 (-3.1%) $367,442 (1.9%) 0.90 3,414
    2019-01-01 $264,874 (-1.7%) $369,117 (4.7%) 0.92 3,217
    2019-02-01 $264,950 (-1.9%) $370,311 (0.9%) 0.90 3,134
    2019-03-01 $275,814 (0.3%) $380,488 (2.5%) 0.90 3,059
    2019-04-01 $284,900 (3.2%) $390,071 (3.6%) 0.90 3,025
    2019-05-01 $286,882 (4.3%) $395,749 (4.2%) 0.90 3,176
    2019-06-01 $284,900 (2.1%) $396,587 (3.3%) 0.89 3,322
    2019-07-01 $280,989 (2.2%) $400,359 (5.5%) 0.88 3,500
    2019-08-01 $278,636 (1.5%) $397,890 (4.4%) 0.88 3,489
    2019-09-01 $276,591 (3.6%) $393,689 (4.8%) 0.89 3,489
    2019-10-01 $275,677 (4.3%) $391,489 (5.0%) 0.89 3,475
    2019-11-01 $274,900 (3.8%) $392,910 (4.8%) 0.90 3,378
    2019-12-01 $269,900 (3.4%) $386,541 (5.2%) 0.90 3,191
    2020-01-01 $269,945 (1.9%) $385,973 (4.6%) 0.90 3,043
    2020-02-01 $276,591 (4.4%) $400,456 (8.1%) 0.91 2,864
    2020-03-01 $279,900 (1.5%) $408,601 (7.4%) 0.88 2,878
    2020-04-01 $279,940 (-1.7%) $405,145 (3.9%) 0.88 2,978
    2020-05-01 $285,990 (-0.3%) $418,905 (5.9%) 0.87 2,891
    2020-06-01 $298,188 (4.7%) $435,085 (9.7%) 0.88 2,552
    2020-07-01 $290,000 (3.2%) $432,625 (8.1%) 0.84 2,452
    2020-08-01 $290,500 (4.3%) $442,266 (11.2%) 0.83 2,293
    2020-09-01 $290,312 (5.0%) $446,523 (13.4%) 0.83 2,120
    2020-10-01 $283,263 (2.8%) $431,179 (10.1%) 0.81 2,093
    2020-11-01 $279,900 (1.8%) $416,472 (6.0%) 0.82 2,096
    2020-12-01 $275,833 (2.2%) $411,099 (6.4%) 0.82 1,939
    2021-01-01 $276,200 (2.3%) $418,930 (8.5%) 0.82 1,690
    2021-02-01 $283,157 (2.4%) $432,690 (8.1%) 0.82 1,459
    2021-03-01 $296,450 (5.9%) $454,927 (11.3%) 0.84 1,242
    2021-04-01 $311,900 (11.4%) $479,728 (18.4%) 0.84 1,095
    2021-05-01 $304,336 (6.4%) $498,777 (19.1%) 0.81 1,006
    2021-06-01 $318,900 (7.0%) $501,656 (15.3%) 0.84 1,068
    2021-07-01 $319,000 (10.0%) $492,045 (13.7%) 0.84 1,251
    2021-08-01 $342,125 (17.8%) $512,691 (15.9%) 0.91 1,298
    2021-09-01 $348,075 (19.9%) $516,839 (15.8%) 0.93 1,303
    2021-10-01 $337,950 (19.3%) $507,700 (17.8%) 0.90 1,300
    2021-11-01 $331,490 (18.4%) $506,137 (21.5%) 0.89 1,235
    2021-12-01 $330,731 (19.9%) $500,987 (21.9%) 0.90 1,178
    2022-01-01 $329,000 (19.1%) $501,017 (19.6%) 0.89 1,030
    2022-02-01 $345,000 (21.8%) $511,765 (18.3%) 0.90 854
    2022-03-01 $342,450 (15.5%) $512,665 (12.7%) 0.86 814
    2022-04-01 $353,655 (13.4%) $512,523 (6.8%) 0.84 852
    2022-05-01 $356,494 (17.1%) $509,882 (2.2%) 0.81 1,096
    2022-06-01 $355,337 (11.4%) $492,515 (-1.8%) 0.79 1,375
    2022-07-01 $353,000 (10.7%) $488,457 (-0.7%) 0.80 1,777
    2022-08-01 $350,821 (2.5%) $487,443 (-4.9%) 0.81 1,916
    2022-09-01 $349,900 (0.5%) $479,489 (-7.2%) 0.82 2,024
    2022-10-01 $345,000 (2.1%) $477,645 (-5.9%) 0.81 2,269
    2022-11-01 $341,950 (3.2%) $475,759 (-6.0%) 0.82 2,410
    2022-12-01 $339,800 (2.7%) $472,459 (-5.7%) 0.84 2,244
    2023-01-01 $336,015 (2.1%) $463,561 (-7.5%) 0.83 2,029
    2023-02-01 $335,075 (-2.9%) $466,210 (-8.9%) 0.81 1,974
    2023-03-01 $337,000 (-1.6%) $475,262 (-7.3%) 0.79 1,898
    2023-04-01 $348,790 (-1.4%) $511,524 (-0.2%) 0.81 1,738
    2023-05-01 $349,950 (-1.8%) $523,877 (2.7%) 0.79 1,728
    2023-06-01 $352,028 (-0.9%) $538,994 (9.4%) 0.79 1,786
    2023-07-01 $356,590 (1.0%) $531,220 (8.8%) 0.81 1,872
    2023-08-01 $351,750 (0.3%) $519,601 (6.6%) 0.81 1,968
    2023-09-01 $359,950 (2.9%) $527,738 (10.1%) 0.84 2,031
    2023-10-01 $359,950 (4.3%) $524,445 (9.8%) 0.85 2,179
    2023-11-01 $362,500 (6.0%) $533,111 (12.1%) 0.86 2,223
    2023-12-01 $359,000 (5.7%) $528,211 (11.8%) 0.88 2,109
    2024-01-01 $358,550 (6.7%) $526,652 (13.6%) 0.88 2,065
    2024-02-01 $357,125 (6.6%) $513,062 (10.1%) 0.86 2,003
    2024-03-01 $355,000 (5.3%) $508,924 (7.1%) 0.84 2,111
    2024-04-01 $360,248 (3.3%) $535,459 (4.7%) 0.84 2,196
    2024-05-01 $366,325 (4.7%) $555,690 (6.1%) 0.83 2,262
    2024-06-01 $370,000 (5.1%) $547,806 (1.6%) 0.84 2,370
    2024-07-01 $375,000 (5.2%) $537,486 (1.2%) 0.86 2,527
    2024-08-01 $374,900 (6.6%) $530,100 (2.0%) 0.87 2,714
    2024-09-01 $369,900 (2.8%) $526,199 (-0.3%) 0.87 2,877
    2024-10-01 $365,095 (1.4%) $521,183 (-0.6%) 0.86 2,769
    2024-11-01 $358,900 (-1.0%) $520,049 (-2.5%) 0.86 2,766
    2024-12-01 $359,947 (0.3%) $517,150 (-2.1%) 0.89 2,559
    2025-01-01 $361,042 (0.7%) $519,318 (-1.4%) 0.90 2,445
    2025-02-01 $364,975 (2.2%) $531,459 (3.6%) 0.89 2,505
    2025-03-01 $365,000 (2.8%) $536,837 (5.5%) 0.00 2,764
    Greenville's median listing price for 2025-03-01 was $365,000, a difference of $10,000 (2.8%) versus the prior year and $25 versus the prior month.

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

    Greenville's average listing price for 2025-03-01 was $536,837, a difference of $27,913 (5.5%) versus the prior year and $5,378 versus the prior month.

    For the 2025-03-01 period, Greenville had 2,764 MLS listings, a difference of 259 listings (10%) versus the prior month and 653 listings (31%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Greenville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 81 days 2,210 sqft
    2018-02-01 76 days 2,220 sqft
    2018-03-01 56 days 2,302 sqft
    2018-04-01 52 days 2,348 sqft
    2018-05-01 50 days 2,294 sqft
    2018-06-01 55 days 2,271 sqft
    2018-07-01 60 days 2,264 sqft
    2018-08-01 65 days 2,225 sqft
    2018-09-01 64 days 2,152 sqft
    2018-10-01 63 days 2,142 sqft
    2018-11-01 68 days 2,137 sqft
    2018-12-01 77 days 2,104 sqft
    2019-01-01 86 days 2,096 sqft
    2019-02-01 82 days 2,066 sqft
    2019-03-01 70 days 2,138 sqft
    2019-04-01 56 days 2,215 sqft
    2019-05-01 51 days 2,235 sqft
    2019-06-01 54 days 2,210 sqft
    2019-07-01 54 days 2,198 sqft
    2019-08-01 57 days 2,151 sqft
    2019-09-01 61 days 2,122 sqft
    2019-10-01 65 days 2,104 sqft
    2019-11-01 67 days 2,100 sqft
    2019-12-01 77 days 2,059 sqft
    2020-01-01 79 days 2,063 sqft
    2020-02-01 73 days 2,100 sqft
    2020-03-01 60 days 2,131 sqft
    2020-04-01 59 days 2,179 sqft
    2020-05-01 64 days 2,200 sqft
    2020-06-01 69 days 2,225 sqft
    2020-07-01 58 days 2,190 sqft
    2020-08-01 52 days 2,196 sqft
    2020-09-01 51 days 2,079 sqft
    2020-10-01 51 days 2,034 sqft
    2020-11-01 53 days 1,978 sqft
    2020-12-01 59 days 1,955 sqft
    2021-01-01 68 days 1,950 sqft
    2021-02-01 55 days 1,914 sqft
    2021-03-01 50 days 1,889 sqft
    2021-04-01 50 days 1,967 sqft
    2021-05-01 40 days 1,923 sqft
    2021-06-01 37 days 1,948 sqft
    2021-07-01 33 days 1,952 sqft
    2021-08-01 37 days 1,976 sqft
    2021-09-01 44 days 1,962 sqft
    2021-10-01 45 days 1,929 sqft
    2021-11-01 45 days 1,871 sqft
    2021-12-01 49 days 1,881 sqft
    2022-01-01 54 days 1,870 sqft
    2022-02-01 40 days 1,917 sqft
    2022-03-01 37 days 1,859 sqft
    2022-04-01 34 days 1,891 sqft
    2022-05-01 32 days 1,990 sqft
    2022-06-01 32 days 1,960 sqft
    2022-07-01 34 days 1,987 sqft
    2022-08-01 40 days 1,946 sqft
    2022-09-01 45 days 2,002 sqft
    2022-10-01 46 days 2,001 sqft
    2022-11-01 51 days 2,035 sqft
    2022-12-01 64 days 1,978 sqft
    2023-01-01 75 days 1,931 sqft
    2023-02-01 65 days 1,912 sqft
    2023-03-01 50 days 1,913 sqft
    2023-04-01 47 days 2,000 sqft
    2023-05-01 43 days 2,020 sqft
    2023-06-01 44 days 2,036 sqft
    2023-07-01 43 days 2,048 sqft
    2023-08-01 44 days 2,018 sqft
    2023-09-01 44 days 2,018 sqft
    2023-10-01 44 days 2,035 sqft
    2023-11-01 46 days 2,047 sqft
    2023-12-01 56 days 2,066 sqft
    2024-01-01 63 days 2,046 sqft
    2024-02-01 48 days 2,042 sqft
    2024-03-01 42 days 2,039 sqft
    2024-04-01 41 days 2,039 sqft
    2024-05-01 40 days 2,053 sqft
    2024-06-01 44 days 2,044 sqft
    2024-07-01 46 days 2,053 sqft
    2024-08-01 49 days 2,021 sqft
    2024-09-01 49 days 1,992 sqft
    2024-10-01 58 days 1,969 sqft
    2024-11-01 64 days 1,955 sqft
    2024-12-01 66 days 1,945 sqft
    2025-01-01 68 days 1,956 sqft
    2025-02-01 60 days 1,983 sqft
    2025-03-01 0 days 1,991 sqft
    Greenville's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Greenville's median square footage for active listings during the 2025-03-01 period was 1,991 sqft. One year prior, the average listing was 2,039 sqft.