Greenville USDA Loan Rates, Closing Costs & Stats
Greenville, MS
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 3 lenders originated 4 USDA loans during 2023. The total origination value was $480,000, with an average USDA loan value of $120,000.
Greenville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Greenville
averaged
6.42%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Greenville's average USDA mortgage closing costs are $4,025.
The average rate for the prior week (2024-12-06) was
6.56% and
one month ago for the week of 2024-11-08, the
average rate was 6.57%.
The average rate one year ago was 7.04%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.1%.
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 |
|---|---|---|---|
| GUARANTY HOME MORTGAGE CORPORATION | 2 | 5.50% | $4,449 |
| Flagstar Bank, FSB | 1 | 6.25% | $4,870 |
| Renasant Bank | 1 | 7.25% | $6,150 |
The top Greenville USDA lender as defined by loan originations is GUARANTY HOME MORTGAGE CORPORATION, with
2 USDA loans originated. Their average total fees are
$4,449, which is $421
lower than the next largest lender,
Flagstar Bank, FSB.
The lowest fee Greenville USDA lenders (with over 10 loans originated) are
.
The lowest rate Greenville USDA lenders (with over 10 loans originated) are
.
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 | $123,625 (25.2%) | $148,651 (11.7%) | 0.00 | 120 |
| 2018-02-01 | $140,500 (36.4%) | $154,788 (8.2%) | 0.00 | 128 |
| 2018-03-01 | $140,000 (35.3%) | $155,251 (1.8%) | 0.00 | 133 |
| 2018-04-01 | $141,500 (20.9%) | $159,303 (-1.3%) | 0.00 | 132 |
| 2018-05-01 | $135,000 (13.5%) | $152,460 (-2.8%) | 0.00 | 136 |
| 2018-06-01 | $122,000 (-10.0%) | $142,479 (-14.0%) | 0.00 | 147 |
| 2018-07-01 | $135,000 (9.8%) | $143,522 (-7.4%) | 0.00 | 142 |
| 2018-08-01 | $128,450 (7.0%) | $139,911 (-8.3%) | 0.00 | 135 |
| 2018-09-01 | $119,000 (-0.4%) | $139,772 (-5.6%) | 0.00 | 132 |
| 2018-10-01 | $119,250 (-0.6%) | $141,394 (-2.1%) | 0.00 | 143 |
| 2018-11-01 | $123,225 (2.7%) | $139,577 (-2.2%) | 0.00 | 138 |
| 2018-12-01 | $130,000 (8.3%) | $144,745 (1.0%) | 0.00 | 128 |
| 2019-01-01 | $130,000 (5.2%) | $148,057 (-0.4%) | 0.00 | 113 |
| 2019-02-01 | $124,350 (-11.5%) | $147,043 (-5.0%) | 0.00 | 110 |
| 2019-03-01 | $121,321 (-13.3%) | $144,565 (-6.9%) | 0.00 | 106 |
| 2019-04-01 | $123,500 (-12.7%) | $144,623 (-9.2%) | 0.00 | 110 |
| 2019-05-01 | $121,125 (-10.3%) | $143,340 (-6.0%) | 0.00 | 116 |
| 2019-06-01 | $125,000 (2.5%) | $143,742 (0.9%) | 0.00 | 115 |
| 2019-07-01 | $128,225 (-5.0%) | $149,997 (4.5%) | 0.00 | 103 |
| 2019-08-01 | $119,691 (-6.8%) | $144,586 (3.3%) | 0.00 | 98 |
| 2019-09-01 | $108,052 (-9.2%) | $137,499 (-1.6%) | 0.00 | 103 |
| 2019-10-01 | $99,625 (-16.5%) | $133,664 (-5.5%) | 0.00 | 106 |
| 2019-11-01 | $110,000 (-10.7%) | $133,418 (-4.4%) | 0.00 | 113 |
| 2019-12-01 | $98,750 (-24.0%) | $129,567 (-10.5%) | 0.00 | 110 |
| 2020-01-01 | $106,125 (-18.4%) | $128,213 (-13.4%) | 0.00 | 105 |
| 2020-02-01 | $114,950 (-7.6%) | $141,561 (-3.7%) | 0.00 | 117 |
| 2020-03-01 | $124,950 (3.0%) | $148,632 (2.8%) | 0.00 | 119 |
| 2020-04-01 | $114,950 (-6.9%) | $149,408 (3.3%) | 0.00 | 119 |
| 2020-05-01 | $125,000 (3.2%) | $155,807 (8.7%) | 0.00 | 108 |
| 2020-06-01 | $123,750 (-1.0%) | $159,090 (10.7%) | 0.00 | 107 |
| 2020-07-01 | $125,000 (-2.5%) | $158,746 (5.8%) | 0.00 | 103 |
| 2020-08-01 | $120,000 (0.3%) | $158,717 (9.8%) | 0.00 | 102 |
| 2020-09-01 | $119,900 (11.0%) | $154,705 (12.5%) | 0.00 | 91 |
| 2020-10-01 | $119,500 (20.0%) | $159,869 (19.6%) | 0.00 | 89 |
| 2020-11-01 | $109,750 (-0.2%) | $154,683 (15.9%) | 0.00 | 95 |
| 2020-12-01 | $110,000 (11.4%) | $157,048 (21.2%) | 0.00 | 88 |
| 2021-01-01 | $110,000 (3.7%) | $158,116 (23.3%) | 0.00 | 86 |
| 2021-02-01 | $106,250 (-7.6%) | $150,548 (6.4%) | 0.00 | 87 |
| 2021-03-01 | $114,500 (-8.4%) | $154,150 (3.7%) | 0.00 | 77 |
| 2021-04-01 | $120,000 (4.4%) | $157,559 (5.5%) | 0.00 | 74 |
| 2021-05-01 | $135,000 (8.0%) | $168,334 (8.0%) | 0.00 | 65 |
| 2021-06-01 | $136,250 (10.1%) | $179,195 (12.6%) | 0.00 | 66 |
| 2021-07-01 | $129,000 (3.2%) | $176,869 (11.4%) | 0.00 | 64 |
| 2021-08-01 | $129,750 (8.1%) | $181,769 (14.5%) | 0.00 | 57 |
| 2021-09-01 | $130,125 (8.5%) | $173,257 (12.0%) | 0.00 | 58 |
| 2021-10-01 | $128,500 (7.5%) | $160,327 (0.3%) | 0.00 | 70 |
| 2021-11-01 | $129,000 (17.5%) | $162,575 (5.1%) | 0.00 | 75 |
| 2021-12-01 | $129,250 (17.5%) | $170,985 (8.9%) | 0.00 | 67 |
| 2022-01-01 | $129,900 (18.1%) | $184,405 (16.6%) | 0.00 | 65 |
| 2022-02-01 | $125,000 (17.7%) | $174,498 (15.9%) | 0.00 | 57 |
| 2022-03-01 | $100,000 (-12.7%) | $155,993 (1.2%) | 0.00 | 55 |
| 2022-04-01 | $139,950 (16.6%) | $187,530 (19.0%) | 0.00 | 49 |
| 2022-05-01 | $138,950 (2.9%) | $172,128 (2.3%) | 0.00 | 51 |
| 2022-06-01 | $136,000 (-0.2%) | $156,507 (-12.7%) | 0.00 | 51 |
| 2022-07-01 | $142,900 (10.8%) | $160,291 (-9.4%) | 0.00 | 62 |
| 2022-08-01 | $144,625 (11.5%) | $161,288 (-11.3%) | 0.00 | 70 |
| 2022-09-01 | $149,250 (14.7%) | $172,164 (-0.6%) | 0.00 | 67 |
| 2022-10-01 | $136,450 (6.2%) | $164,016 (2.3%) | 0.00 | 66 |
| 2022-11-01 | $135,000 (4.7%) | $157,943 (-2.9%) | 0.00 | 66 |
| 2022-12-01 | $135,000 (4.5%) | $158,798 (-7.1%) | 0.00 | 70 |
| 2023-01-01 | $134,998 (3.9%) | $156,109 (-15.3%) | 0.00 | 68 |
| 2023-02-01 | $128,750 (3.0%) | $160,465 (-8.0%) | 0.00 | 64 |
| 2023-03-01 | $125,000 (25.0%) | $153,021 (-1.9%) | 0.00 | 70 |
| 2023-04-01 | $135,000 (-3.5%) | $159,078 (-15.2%) | 0.00 | 73 |
| 2023-05-01 | $130,873 (-5.8%) | $163,222 (-5.2%) | 0.00 | 63 |
| 2023-06-01 | $124,975 (-8.1%) | $157,278 (0.5%) | 0.00 | 65 |
| 2023-07-01 | $117,000 (-18.1%) | $153,098 (-4.5%) | 0.00 | 66 |
| 2023-08-01 | $114,500 (-20.8%) | $153,526 (-4.8%) | 0.00 | 63 |
| 2023-09-01 | $111,000 (-25.6%) | $148,474 (-13.8%) | 0.00 | 64 |
| 2023-10-01 | $97,000 (-28.9%) | $137,613 (-16.1%) | 0.00 | 74 |
| 2023-11-01 | $95,000 (-29.6%) | $126,819 (-19.7%) | 0.00 | 75 |
| 2023-12-01 | $97,000 (-28.2%) | $130,979 (-17.5%) | 0.00 | 72 |
| 2024-01-01 | $123,375 (-8.6%) | $138,667 (-11.2%) | 0.00 | 78 |
| 2024-02-01 | $118,125 (-8.3%) | $141,323 (-11.9%) | 0.00 | 74 |
| 2024-03-01 | $135,000 (8.0%) | $162,670 (6.3%) | 0.00 | 68 |
| 2024-04-01 | $124,750 (-7.6%) | $162,151 (1.9%) | 0.00 | 77 |
| 2024-05-01 | $126,950 (-3.0%) | $167,228 (2.5%) | 0.00 | 74 |
| 2024-06-01 | $142,000 (13.6%) | $174,770 (11.1%) | 0.00 | 74 |
| 2024-07-01 | $137,975 (17.9%) | $169,579 (10.8%) | 0.00 | 86 |
| 2024-08-01 | $145,000 (26.6%) | $169,060 (10.1%) | 0.00 | 68 |
| 2024-09-01 | $132,000 (18.9%) | $160,484 (8.1%) | 0.00 | 70 |
| 2024-10-01 | $129,000 (33.0%) | $156,076 (13.4%) | 0.00 | 81 |
| 2024-11-01 | $125,000 (31.6%) | $154,363 (21.7%) | 0.00 | 85 |
Greenville's median listing price comes in at 0% of the national average.
Greenville's average listing price for 2024-11-01 was $154,363, a difference of $27,544 (21.7%) versus the prior year and $-1,713 versus the prior month.
For the 2024-11-01 period, Greenville had 85 MLS listings, a difference of 4 listings (5%) versus the prior month and 10 listings (13%) 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 | 0 days | 1,971 sqft |
| 2018-02-01 | 0 days | 2,140 sqft |
| 2018-03-01 | 0 days | 2,140 sqft |
| 2018-04-01 | 0 days | 2,152 sqft |
| 2018-05-01 | 0 days | 2,069 sqft |
| 2018-06-01 | 0 days | 1,998 sqft |
| 2018-07-01 | 0 days | 2,030 sqft |
| 2018-08-01 | 0 days | 1,997 sqft |
| 2018-09-01 | 0 days | 2,030 sqft |
| 2018-10-01 | 0 days | 2,042 sqft |
| 2018-11-01 | 0 days | 1,997 sqft |
| 2018-12-01 | 0 days | 2,035 sqft |
| 2019-01-01 | 0 days | 2,054 sqft |
| 2019-02-01 | 0 days | 2,090 sqft |
| 2019-03-01 | 0 days | 2,088 sqft |
| 2019-04-01 | 0 days | 2,100 sqft |
| 2019-05-01 | 0 days | 2,045 sqft |
| 2019-06-01 | 0 days | 2,039 sqft |
| 2019-07-01 | 0 days | 2,016 sqft |
| 2019-08-01 | 0 days | 1,959 sqft |
| 2019-09-01 | 0 days | 1,895 sqft |
| 2019-10-01 | 0 days | 1,861 sqft |
| 2019-11-01 | 0 days | 1,884 sqft |
| 2019-12-01 | 0 days | 1,885 sqft |
| 2020-01-01 | 0 days | 1,895 sqft |
| 2020-02-01 | 0 days | 1,966 sqft |
| 2020-03-01 | 0 days | 1,996 sqft |
| 2020-04-01 | 0 days | 1,920 sqft |
| 2020-05-01 | 0 days | 2,000 sqft |
| 2020-06-01 | 0 days | 2,036 sqft |
| 2020-07-01 | 0 days | 1,994 sqft |
| 2020-08-01 | 0 days | 2,165 sqft |
| 2020-09-01 | 0 days | 2,142 sqft |
| 2020-10-01 | 0 days | 2,121 sqft |
| 2020-11-01 | 0 days | 1,876 sqft |
| 2020-12-01 | 0 days | 2,020 sqft |
| 2021-01-01 | 0 days | 1,961 sqft |
| 2021-02-01 | 0 days | 1,835 sqft |
| 2021-03-01 | 0 days | 1,923 sqft |
| 2021-04-01 | 0 days | 1,967 sqft |
| 2021-05-01 | 0 days | 2,131 sqft |
| 2021-06-01 | 0 days | 2,297 sqft |
| 2021-07-01 | 0 days | 2,207 sqft |
| 2021-08-01 | 0 days | 2,230 sqft |
| 2021-09-01 | 0 days | 2,126 sqft |
| 2021-10-01 | 0 days | 1,896 sqft |
| 2021-11-01 | 0 days | 1,765 sqft |
| 2021-12-01 | 0 days | 1,700 sqft |
| 2022-01-01 | 0 days | 1,868 sqft |
| 2022-02-01 | 0 days | 1,820 sqft |
| 2022-03-01 | 0 days | 1,672 sqft |
| 2022-04-01 | 0 days | 1,950 sqft |
| 2022-05-01 | 0 days | 1,907 sqft |
| 2022-06-01 | 0 days | 1,842 sqft |
| 2022-07-01 | 0 days | 1,811 sqft |
| 2022-08-01 | 0 days | 1,745 sqft |
| 2022-09-01 | 0 days | 1,800 sqft |
| 2022-10-01 | 0 days | 1,736 sqft |
| 2022-11-01 | 0 days | 1,761 sqft |
| 2022-12-01 | 0 days | 1,775 sqft |
| 2023-01-01 | 0 days | 1,727 sqft |
| 2023-02-01 | 0 days | 1,749 sqft |
| 2023-03-01 | 0 days | 1,711 sqft |
| 2023-04-01 | 0 days | 1,749 sqft |
| 2023-05-01 | 0 days | 1,710 sqft |
| 2023-06-01 | 0 days | 1,648 sqft |
| 2023-07-01 | 0 days | 1,688 sqft |
| 2023-08-01 | 0 days | 1,734 sqft |
| 2023-09-01 | 0 days | 1,797 sqft |
| 2023-10-01 | 0 days | 1,657 sqft |
| 2023-11-01 | 0 days | 1,489 sqft |
| 2023-12-01 | 0 days | 1,531 sqft |
| 2024-01-01 | 0 days | 1,682 sqft |
| 2024-02-01 | 0 days | 1,674 sqft |
| 2024-03-01 | 0 days | 1,845 sqft |
| 2024-04-01 | 0 days | 1,819 sqft |
| 2024-05-01 | 0 days | 1,830 sqft |
| 2024-06-01 | 0 days | 1,791 sqft |
| 2024-07-01 | 0 days | 1,819 sqft |
| 2024-08-01 | 0 days | 1,854 sqft |
| 2024-09-01 | 0 days | 1,771 sqft |
| 2024-10-01 | 0 days | 1,750 sqft |
| 2024-11-01 | 0 days | 1,797 sqft |
Greenville's median square footage for active listings during the 2024-11-01 period was 1,797 sqft. One year prior, the average listing was 1,489 sqft.