Greenville USDA Loan Rates, Closing Costs & Stats
GREENVILLE, 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.
Greenville's 9 lenders originated 11 USDA loans during 2023. The total origination value was $2,245,000, with an average USDA loan value of $204,091.
Greenville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Greenville
averaged
5.83%
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 $4,831.
The average rate for the prior week (2024-12-06) was
6.06% and
one month ago for the week of 2024-11-08, the
average rate was 6.08%.
The average rate one year ago was 6.55%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.44%.
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 |
|---|---|---|---|
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | 7.00% | $8,559 |
| Alcova Mortgage LLC | 2 | 6.24% | $1,805 |
| American Security Mortgage Corp. | 1 | 5.63% | $5,741 |
| BROKER SOLUTIONS, INC. | 1 | 6.63% | $7,563 |
| GSF Mortgage Corporation | 1 | 6.13% | $6,871 |
| Paramount Residential Mortgage Group, Inc. | 1 | 6.25% | $6,731 |
| Towne Mortgage of the Carolinas, LLC | 1 | 6.50% | $5,258 |
| Truist | 1 | 6.75% | $7,437 |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | 6.75% | $7,160 |
The top Greenville USDA lender as defined by loan originations is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with
2 USDA loans originated. Their average total fees are
$8,559, which is $6,754
higher than the next largest lender,
Alcova Mortgage LLC.
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 | $194,700 (14.6%) | $227,940 (13.2%) | 0.72 | 528 |
| 2018-02-01 | $196,450 (15.6%) | $233,899 (13.4%) | 0.71 | 522 |
| 2018-03-01 | $198,750 (12.3%) | $234,674 (12.2%) | 0.70 | 535 |
| 2018-04-01 | $207,450 (15.3%) | $245,507 (15.7%) | 0.70 | 536 |
| 2018-05-01 | $204,900 (9.9%) | $243,978 (10.8%) | 0.68 | 560 |
| 2018-06-01 | $205,750 (8.9%) | $245,041 (8.9%) | 0.69 | 574 |
| 2018-07-01 | $204,900 (9.8%) | $246,767 (9.6%) | 0.68 | 553 |
| 2018-08-01 | $199,900 (9.6%) | $243,988 (10.1%) | 0.67 | 535 |
| 2018-09-01 | $197,000 (6.5%) | $234,678 (5.0%) | 0.66 | 553 |
| 2018-10-01 | $196,000 (2.3%) | $232,635 (3.2%) | 0.66 | 545 |
| 2018-11-01 | $198,900 (2.0%) | $235,938 (3.4%) | 0.67 | 507 |
| 2018-12-01 | $197,900 (3.1%) | $235,269 (5.3%) | 0.68 | 465 |
| 2019-01-01 | $199,525 (2.5%) | $236,695 (3.8%) | 0.69 | 396 |
| 2019-02-01 | $203,150 (3.4%) | $239,374 (2.3%) | 0.69 | 388 |
| 2019-03-01 | $214,050 (7.7%) | $246,010 (4.8%) | 0.70 | 371 |
| 2019-04-01 | $223,335 (7.7%) | $253,808 (3.4%) | 0.71 | 360 |
| 2019-05-01 | $239,900 (17.1%) | $262,929 (7.8%) | 0.75 | 353 |
| 2019-06-01 | $238,950 (16.1%) | $260,761 (6.4%) | 0.75 | 339 |
| 2019-07-01 | $222,445 (8.6%) | $247,318 (0.2%) | 0.70 | 366 |
| 2019-08-01 | $221,175 (10.6%) | $247,306 (1.4%) | 0.70 | 371 |
| 2019-09-01 | $215,451 (9.4%) | $241,180 (2.8%) | 0.69 | 383 |
| 2019-10-01 | $211,636 (8.0%) | $237,096 (1.9%) | 0.68 | 385 |
| 2019-11-01 | $219,900 (10.6%) | $239,011 (1.3%) | 0.72 | 367 |
| 2019-12-01 | $225,000 (13.7%) | $243,769 (3.6%) | 0.75 | 372 |
| 2020-01-01 | $227,000 (13.8%) | $252,949 (6.9%) | 0.76 | 341 |
| 2020-02-01 | $229,950 (13.2%) | $258,095 (7.8%) | 0.75 | 323 |
| 2020-03-01 | $235,975 (10.2%) | $266,333 (8.3%) | 0.74 | 334 |
| 2020-04-01 | $238,250 (6.7%) | $269,685 (6.3%) | 0.75 | 341 |
| 2020-05-01 | $251,495 (4.8%) | $284,369 (8.2%) | 0.76 | 315 |
| 2020-06-01 | $257,748 (7.9%) | $294,725 (13.0%) | 0.76 | 277 |
| 2020-07-01 | $267,487 (20.3%) | $315,342 (27.5%) | 0.78 | 266 |
| 2020-08-01 | $267,224 (20.8%) | $333,861 (35.0%) | 0.77 | 243 |
| 2020-09-01 | $266,700 (23.8%) | $329,791 (36.7%) | 0.76 | 220 |
| 2020-10-01 | $264,900 (25.2%) | $323,472 (36.4%) | 0.76 | 205 |
| 2020-11-01 | $261,748 (19.0%) | $327,686 (37.1%) | 0.77 | 202 |
| 2020-12-01 | $257,198 (14.3%) | $334,919 (37.4%) | 0.76 | 177 |
| 2021-01-01 | $257,500 (13.4%) | $340,541 (34.6%) | 0.77 | 158 |
| 2021-02-01 | $251,695 (9.5%) | $336,303 (30.3%) | 0.73 | 128 |
| 2021-03-01 | $265,795 (12.6%) | $353,204 (32.6%) | 0.75 | 127 |
| 2021-04-01 | $247,450 (3.9%) | $333,669 (23.7%) | 0.67 | 136 |
| 2021-05-01 | $238,900 (-5.0%) | $334,681 (17.7%) | 0.63 | 137 |
| 2021-06-01 | $250,373 (-2.9%) | $343,036 (16.4%) | 0.66 | 139 |
| 2021-07-01 | $243,500 (-9.0%) | $322,272 (2.2%) | 0.64 | 160 |
| 2021-08-01 | $244,500 (-8.5%) | $282,397 (-15.4%) | 0.65 | 179 |
| 2021-09-01 | $250,243 (-6.2%) | $286,722 (-13.1%) | 0.67 | 190 |
| 2021-10-01 | $253,245 (-4.4%) | $294,227 (-9.0%) | 0.68 | 182 |
| 2021-11-01 | $275,000 (5.1%) | $317,244 (-3.2%) | 0.74 | 170 |
| 2021-12-01 | $255,748 (-0.6%) | $301,493 (-10.0%) | 0.69 | 147 |
| 2022-01-01 | $263,500 (2.3%) | $311,595 (-8.5%) | 0.71 | 103 |
| 2022-02-01 | $262,450 (4.3%) | $307,957 (-8.4%) | 0.68 | 80 |
| 2022-03-01 | $262,475 (-1.3%) | $314,863 (-10.9%) | 0.66 | 71 |
| 2022-04-01 | $279,900 (13.1%) | $368,052 (10.3%) | 0.67 | 94 |
| 2022-05-01 | $293,225 (22.7%) | $379,655 (13.4%) | 0.67 | 119 |
| 2022-06-01 | $320,745 (28.1%) | $391,080 (14.0%) | 0.71 | 145 |
| 2022-07-01 | $337,045 (38.4%) | $403,044 (25.1%) | 0.76 | 178 |
| 2022-08-01 | $346,175 (41.6%) | $404,031 (43.1%) | 0.80 | 195 |
| 2022-09-01 | $334,823 (33.8%) | $385,680 (34.5%) | 0.78 | 224 |
| 2022-10-01 | $346,600 (36.9%) | $397,648 (35.2%) | 0.82 | 230 |
| 2022-11-01 | $353,225 (28.5%) | $395,535 (24.7%) | 0.85 | 246 |
| 2022-12-01 | $343,400 (34.3%) | $383,243 (27.1%) | 0.85 | 257 |
| 2023-01-01 | $345,525 (31.1%) | $392,234 (25.9%) | 0.86 | 250 |
| 2023-02-01 | $337,000 (28.4%) | $355,715 (15.5%) | 0.81 | 227 |
| 2023-03-01 | $344,900 (31.4%) | $357,596 (13.6%) | 0.81 | 225 |
| 2023-04-01 | $344,650 (23.1%) | $365,448 (-0.7%) | 0.80 | 223 |
| 2023-05-01 | $345,475 (17.8%) | $369,065 (-2.8%) | 0.78 | 217 |
| 2023-06-01 | $345,475 (7.7%) | $365,479 (-6.6%) | 0.78 | 210 |
| 2023-07-01 | $324,900 (-3.6%) | $357,403 (-11.3%) | 0.74 | 223 |
| 2023-08-01 | $321,445 (-7.1%) | $345,356 (-14.5%) | 0.74 | 235 |
| 2023-09-01 | $319,500 (-4.6%) | $341,763 (-11.4%) | 0.74 | 241 |
| 2023-10-01 | $317,995 (-8.3%) | $343,344 (-13.7%) | 0.75 | 251 |
| 2023-11-01 | $313,095 (-11.4%) | $325,954 (-17.6%) | 0.75 | 282 |
| 2023-12-01 | $309,900 (-9.8%) | $324,686 (-15.3%) | 0.76 | 289 |
| 2024-01-01 | $302,450 (-12.5%) | $317,237 (-19.1%) | 0.74 | 280 |
| 2024-02-01 | $297,450 (-11.7%) | $316,187 (-11.1%) | 0.72 | 281 |
| 2024-03-01 | $294,950 (-14.5%) | $317,823 (-11.1%) | 0.69 | 309 |
| 2024-04-01 | $294,450 (-14.6%) | $322,524 (-11.8%) | 0.68 | 309 |
| 2024-05-01 | $295,000 (-14.6%) | $322,031 (-12.7%) | 0.67 | 337 |
| 2024-06-01 | $295,000 (-14.6%) | $321,830 (-11.9%) | 0.66 | 354 |
| 2024-07-01 | $297,225 (-8.5%) | $331,441 (-7.3%) | 0.68 | 364 |
| 2024-08-01 | $295,000 (-8.2%) | $323,502 (-6.3%) | 0.69 | 379 |
| 2024-09-01 | $296,625 (-7.2%) | $328,704 (-3.8%) | 0.70 | 386 |
| 2024-10-01 | $295,000 (-7.2%) | $329,364 (-4.1%) | 0.69 | 394 |
| 2024-11-01 | $289,900 (-7.4%) | $327,572 (0.5%) | 0.70 | 425 |
Greenville's median listing price comes in at 70% of the national average.
Greenville's average listing price for 2024-11-01 was $327,572, a difference of $1,618 (0.5%) versus the prior year and $-1,792 versus the prior month.
For the 2024-11-01 period, Greenville had 425 MLS listings, a difference of 31 listings (8%) versus the prior month and 143 listings (51%) 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 | 94 days | 2,010 sqft |
| 2018-02-01 | 78 days | 2,084 sqft |
| 2018-03-01 | 67 days | 2,055 sqft |
| 2018-04-01 | 60 days | 2,157 sqft |
| 2018-05-01 | 58 days | 2,126 sqft |
| 2018-06-01 | 58 days | 2,147 sqft |
| 2018-07-01 | 67 days | 2,097 sqft |
| 2018-08-01 | 73 days | 2,077 sqft |
| 2018-09-01 | 79 days | 2,022 sqft |
| 2018-10-01 | 84 days | 2,011 sqft |
| 2018-11-01 | 94 days | 2,049 sqft |
| 2018-12-01 | 100 days | 2,019 sqft |
| 2019-01-01 | 100 days | 1,989 sqft |
| 2019-02-01 | 82 days | 2,064 sqft |
| 2019-03-01 | 62 days | 2,145 sqft |
| 2019-04-01 | 49 days | 2,214 sqft |
| 2019-05-01 | 41 days | 2,290 sqft |
| 2019-06-01 | 52 days | 2,233 sqft |
| 2019-07-01 | 52 days | 2,142 sqft |
| 2019-08-01 | 54 days | 2,169 sqft |
| 2019-09-01 | 59 days | 2,133 sqft |
| 2019-10-01 | 63 days | 2,109 sqft |
| 2019-11-01 | 67 days | 2,127 sqft |
| 2019-12-01 | 72 days | 2,153 sqft |
| 2020-01-01 | 80 days | 2,152 sqft |
| 2020-02-01 | 74 days | 2,182 sqft |
| 2020-03-01 | 61 days | 2,204 sqft |
| 2020-04-01 | 66 days | 2,205 sqft |
| 2020-05-01 | 71 days | 2,325 sqft |
| 2020-06-01 | 83 days | 2,379 sqft |
| 2020-07-01 | 57 days | 2,491 sqft |
| 2020-08-01 | 50 days | 2,436 sqft |
| 2020-09-01 | 65 days | 2,357 sqft |
| 2020-10-01 | 67 days | 2,278 sqft |
| 2020-11-01 | 64 days | 2,301 sqft |
| 2020-12-01 | 71 days | 2,232 sqft |
| 2021-01-01 | 73 days | 2,242 sqft |
| 2021-02-01 | 55 days | 2,203 sqft |
| 2021-03-01 | 39 days | 2,242 sqft |
| 2021-04-01 | 39 days | 2,124 sqft |
| 2021-05-01 | 37 days | 1,977 sqft |
| 2021-06-01 | 38 days | 2,033 sqft |
| 2021-07-01 | 35 days | 2,007 sqft |
| 2021-08-01 | 34 days | 2,009 sqft |
| 2021-09-01 | 37 days | 2,012 sqft |
| 2021-10-01 | 39 days | 2,006 sqft |
| 2021-11-01 | 46 days | 2,027 sqft |
| 2021-12-01 | 72 days | 1,933 sqft |
| 2022-01-01 | 61 days | 1,926 sqft |
| 2022-02-01 | 48 days | 1,925 sqft |
| 2022-03-01 | 35 days | 1,939 sqft |
| 2022-04-01 | 22 days | 1,998 sqft |
| 2022-05-01 | 26 days | 1,972 sqft |
| 2022-06-01 | 33 days | 2,102 sqft |
| 2022-07-01 | 37 days | 2,190 sqft |
| 2022-08-01 | 43 days | 2,194 sqft |
| 2022-09-01 | 46 days | 2,175 sqft |
| 2022-10-01 | 51 days | 2,182 sqft |
| 2022-11-01 | 54 days | 2,177 sqft |
| 2022-12-01 | 60 days | 2,163 sqft |
| 2023-01-01 | 76 days | 2,160 sqft |
| 2023-02-01 | 61 days | 2,162 sqft |
| 2023-03-01 | 53 days | 2,183 sqft |
| 2023-04-01 | 44 days | 2,196 sqft |
| 2023-05-01 | 48 days | 2,225 sqft |
| 2023-06-01 | 54 days | 2,206 sqft |
| 2023-07-01 | 44 days | 2,129 sqft |
| 2023-08-01 | 42 days | 2,111 sqft |
| 2023-09-01 | 48 days | 2,043 sqft |
| 2023-10-01 | 56 days | 2,032 sqft |
| 2023-11-01 | 49 days | 1,994 sqft |
| 2023-12-01 | 51 days | 1,995 sqft |
| 2024-01-01 | 61 days | 1,937 sqft |
| 2024-02-01 | 51 days | 1,902 sqft |
| 2024-03-01 | 41 days | 1,886 sqft |
| 2024-04-01 | 45 days | 1,896 sqft |
| 2024-05-01 | 40 days | 1,867 sqft |
| 2024-06-01 | 47 days | 1,880 sqft |
| 2024-07-01 | 54 days | 1,900 sqft |
| 2024-08-01 | 58 days | 1,870 sqft |
| 2024-09-01 | 61 days | 1,873 sqft |
| 2024-10-01 | 60 days | 1,873 sqft |
| 2024-11-01 | 59 days | 1,854 sqft |
Greenville's median square footage for active listings during the 2024-11-01 period was 1,854 sqft. One year prior, the average listing was 1,994 sqft.