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 64 lenders originated 188 USDA loans during 2023. The total origination value was $42,780,000, with an average USDA loan value of $227,553.

    Greenville USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Greenville averaged 6.13% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Greenville's average USDA mortgage closing costs are $5,529.

    The average rate for the prior week (2025-02-07) was 6.18% and one month ago for the week of 2025-01-10, the average rate was 6.13%.

    The average rate one year ago was 6.22%.

    For refis of the same type during the week of 2025-02-14, the average rate was 7.02%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 22 6.61% $8,217
    CARDINAL FINANCIAL 14 6.30% $6,749
    DHI MORTGAGE COMPANY, LTD. 9 5.13% $6,053
    PRIMELENDING, A PLAINSCAPITAL COMPANY 9 6.29% $10,389
    Sierra Pacific Mortgage Company, Inc. 9 5.75% $9,600
    UNITED WHOLESALE MORTGAGE, LLC 9 6.12% $10,297
    NVR Mortgage Finance, Inc. 6 6.21% $9,996
    ACOPIA, LLC 5 5.94% $10,738
    ON Q FINANCIAL, INC. 5 6.85% $8,246
    CROSSCOUNTRY MORTGAGE, LLC 5 6.28% $8,505
    EAGLE HOME MORTGAGE, LLC 4 6.41% $11,403
    FBC MORTGAGE, LLC 4 5.28% $8,628
    Renasant Bank 4 6.38% $7,886
    HOMESIDE FINANCIAL, LLC 3 6.25% $8,393
    MOVEMENT MORTGAGE, LLC 3 7.00% $9,525
    Paramount Residential Mortgage Group, Inc. 3 6.25% $6,527
    Princeton Mortgage Corporation 3 6.62% $6,434
    Century Mortgage Company DBA Century Lending Company 3 6.16% $6,654
    Southern First Bank 3 6.46% $5,914
    UNION HOME MORTGAGE CORP. 3 6.96% $6,933
    American Mortgage & Equity Consultants, Inc. 3 6.04% $9,546
    HOMESTAR FINANCIAL CORPORATION 3 7.08% $4,633
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.50% $9,473
    GUARANTEED RATE, INC. 2 6.31% $7,085
    SOUTHPOINT FINANCIAL SERVICES, INC. 2 5.94% $2,833
    South State Bank 2 6.25% $10,216
    Countybank 2 6.69% $5,492
    GUILD MORTGAGE COMPANY 2 6.31% $8,089
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.88% $9,637
    HOWARD HANNA FINANCIAL SERVICES, INC. 2 6.75% $6,129
    RESOURCE FINANCIAL SERVICES, INC. 2 6.81% $5,842
    Ameris Bank 2 6.06% $8,941
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 7.13% $8,535
    First Reliance Bank 2 6.25% $7,168
    MORTGAGE INVESTORS GROUP, INC. 1 5.25% $8,921
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.50% $5,306
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.75% $8,224
    Bank of England 1 6.75% $9,664
    BROKER SOLUTIONS, INC. 1 5.25% $14,833
    CHURCHILL MORTGAGE CORPORATION 1 8.13% $6,941
    CMG MORTGAGE, INC. 1 6.63% $8,019
    DELMAR FINANCIAL COMPANY 1 6.88% $6,938
    Equity Prime Mortgage LLC 1 5.88% $13,162
    EVERETT FINANCIAL, INC. 1 6.50% $13,237
    First-Citizens Bank & Trust Company 1 5.50% $6,011
    FIRST HOME MORTGAGE CORPORATION 1 6.13% $9,330
    First Horizon Bank 1 6.13% $6,379
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 7.25% $3,167
    Flagstar Bank, FSB 1 6.25% $5,557
    GUARANTEED RATE AFFINITY, LLC 1 6.18% $7,159
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.75% $8,223
    KELLER MORTGAGE, LLC 1 5.13% $7,116
    Keystone Funding, Inc. 1 6.99% $8,155
    LIBERTY HOME MORTGAGE CORPORATION 1 6.25% $2,259
    Magnolia Bank 1 5.63% $6,962
    1ST SIGNATURE LENDING, LLC 1 6.38% $14,825
    Neighborhood Loans, Inc. 1 7.75% $7,284
    Network Funding, L.P. 1 6.88% $8,200
    RAPID MORTGAGE COMPANY 1 7.00% $8,284
    ROYAL UNITED MORTGAGE LLC 1 7.13% $6,726
    SeaTrust Mortgage Company 1 7.75% $9,159
    Servion, Inc. 1 5.38% $7,910
    Truist 1 5.75% $6,425
    United Community Bank 1 6.13% $6,330

    The top Greenville USDA lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 22 USDA loans originated. Their average total fees are $8,217, which is $1,468 higher than the next largest lender, CARDINAL FINANCIAL.

    The lowest fee Greenville USDA lenders (with over 10 loans originated) are CARDINAL FINANCIAL ($6,749), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($8,217), .

    The lowest rate Greenville USDA lenders (with over 10 loans originated) are CARDINAL FINANCIAL (6.30%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.61%), .

    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%) 0.93 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%) 0.89 3,538
    2018-10-01 $264,363 (-2.5%) $372,939 (1.9%) 0.89 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%) 0.91 3,217
    2019-02-01 $264,950 (-1.9%) $370,311 (0.9%) 0.89 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%) 0.89 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%) 0.82 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%) 0.83 1,690
    2021-02-01 $283,157 (2.4%) $432,690 (8.1%) 0.83 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%) 0.85 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%) 0.88 1,235
    2021-12-01 $330,731 (19.9%) $500,987 (21.9%) 0.89 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%) 0.82 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%) 0.82 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 $359,950 (0.3%) $517,136 (-2.1%) 0.89 2,560
    2025-01-01 $361,045 (0.7%) $519,310 (-1.4%) 0.00 2,445
    Greenville's median listing price for 2025-01-01 was $361,045, a difference of $2,495 (0.7%) versus the prior year and $1,095 versus the prior month.

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

    Greenville's average listing price for 2025-01-01 was $519,310, a difference of $-7,342 (-1.4%) versus the prior year and $2,174 versus the prior month.

    For the 2025-01-01 period, Greenville had 2,445 MLS listings, a difference of -115 listings (-4%) versus the prior month and 380 listings (18%) 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 57 days 2,302 sqft
    2018-04-01 52 days 2,348 sqft
    2018-05-01 51 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 64 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 61 days 2,131 sqft
    2020-04-01 60 days 2,179 sqft
    2020-05-01 64 days 2,200 sqft
    2020-06-01 70 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 52 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 51 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 44 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 41 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 51 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 37 days 2,053 sqft
    2024-06-01 38 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 0 days 1,956 sqft
    Greenville's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Greenville's median square footage for active listings during the 2025-01-01 period was 1,956 sqft. One year prior, the average listing was 2,046 sqft.