Greenville USDA Loan Rates, Closing Costs & Stats

Greenville, OH

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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 9 lenders originated 45 USDA loans during 2023. The total origination value was $6,105,000, with an average USDA loan value of $135,667.

    Greenville USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Greenville averaged 6.66% 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 $4,390.

    The average rate for the prior week (2024-12-06) was 6.7% and one month ago for the week of 2024-11-08, the average rate was 6.82%.

    The average rate one year ago was 7.18%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.1%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    NEWREZ LLC 29 6.61% $4,481
    MID AMERICA MORTGAGE, INC. 4 7.09% $5,958
    POLARIS HOME FUNDING CORP. 4 6.88% $5,637
    Western Ohio Mortgage Corporation 2 7.38% $7,773
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.25% $5,392
    Fifth Third Bank 1 8.00% $4,872
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $4,684
    SUPERIOR FINANCIAL SOLUTIONS, LLC 1 7.50% $4,280
    FIRST COLONY MORTGAGE CORPORATION 1 7.25% $7,134

    The top Greenville USDA lender as defined by loan originations is NEWREZ LLC, with 29 USDA loans originated. Their average total fees are $4,481, which is $1,477 lower than the next largest lender, MID AMERICA MORTGAGE, INC..

    The lowest fee Greenville USDA lenders (with over 10 loans originated) are NEWREZ LLC ($4,481), .

    The lowest rate Greenville USDA lenders (with over 10 loans originated) are NEWREZ LLC (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 $118,250 (22.6%) $139,612 (0.7%) 0.00 152
    2018-02-01 $115,339 (18.3%) $141,532 (1.6%) 0.00 154
    2018-03-01 $119,900 (18.8%) $144,954 (3.4%) 0.00 160
    2018-04-01 $124,750 (25.4%) $148,678 (6.4%) 0.00 150
    2018-05-01 $126,250 (28.3%) $157,133 (13.4%) 0.00 146
    2018-06-01 $128,900 (22.2%) $160,501 (14.3%) 0.00 161
    2018-07-01 $129,875 (19.8%) $160,022 (16.8%) 0.00 178
    2018-08-01 $129,450 (15.0%) $160,643 (13.5%) 0.00 190
    2018-09-01 $119,950 (13.7%) $154,926 (11.1%) 0.00 192
    2018-10-01 $120,000 (9.6%) $150,508 (4.9%) 0.00 190
    2018-11-01 $117,675 (12.9%) $144,992 (3.0%) 0.00 182
    2018-12-01 $120,000 (17.7%) $144,344 (6.9%) 0.00 174
    2019-01-01 $109,792 (-7.2%) $132,538 (-5.1%) 0.00 152
    2019-02-01 $106,575 (-7.6%) $129,034 (-8.8%) 0.00 147
    2019-03-01 $107,708 (-10.2%) $137,468 (-5.2%) 0.00 155
    2019-04-01 $108,388 (-13.1%) $140,972 (-5.2%) 0.00 168
    2019-05-01 $112,000 (-11.3%) $143,885 (-8.4%) 0.00 164
    2019-06-01 $109,900 (-14.7%) $148,145 (-7.7%) 0.00 149
    2019-07-01 $103,817 (-20.1%) $152,746 (-4.6%) 0.00 159
    2019-08-01 $105,288 (-18.7%) $159,646 (-0.6%) 0.00 143
    2019-09-01 $116,095 (-3.2%) $161,115 (4.0%) 0.00 149
    2019-10-01 $125,950 (5.0%) $163,071 (8.4%) 0.00 149
    2019-11-01 $123,350 (4.8%) $164,758 (13.6%) 0.00 145
    2019-12-01 $122,400 (2.0%) $164,657 (14.1%) 0.00 143
    2020-01-01 $134,875 (22.9%) $171,415 (29.3%) 0.00 136
    2020-02-01 $135,950 (27.6%) $172,714 (33.9%) 0.00 125
    2020-03-01 $136,200 (26.5%) $173,642 (26.3%) 0.00 125
    2020-04-01 $131,250 (21.1%) $176,213 (25.0%) 0.00 109
    2020-05-01 $128,763 (15.0%) $177,530 (23.4%) 0.00 112
    2020-06-01 $136,050 (23.8%) $185,273 (25.1%) 0.00 107
    2020-07-01 $129,150 (24.4%) $173,580 (13.6%) 0.00 113
    2020-08-01 $123,250 (17.1%) $165,729 (3.8%) 0.00 101
    2020-09-01 $115,000 (-0.9%) $153,365 (-4.8%) 0.00 99
    2020-10-01 $129,900 (3.1%) $176,135 (8.0%) 0.00 103
    2020-11-01 $125,000 (1.3%) $175,576 (6.6%) 0.00 109
    2020-12-01 $119,350 (-2.5%) $169,971 (3.2%) 0.00 89
    2021-01-01 $127,750 (-5.3%) $173,912 (1.5%) 0.00 82
    2021-02-01 $142,425 (4.8%) $176,737 (2.3%) 0.00 77
    2021-03-01 $154,825 (13.7%) $194,126 (11.8%) 0.00 53
    2021-04-01 $164,750 (25.5%) $201,945 (14.6%) 0.00 56
    2021-05-01 $169,900 (32.0%) $218,706 (23.2%) 0.00 49
    2021-06-01 $172,400 (26.7%) $224,084 (21.0%) 0.00 50
    2021-07-01 $157,000 (21.6%) $206,504 (19.0%) 0.00 55
    2021-08-01 $151,225 (22.7%) $198,698 (19.9%) 0.00 67
    2021-09-01 $149,000 (29.6%) $211,567 (38.0%) 0.00 61
    2021-10-01 $149,000 (14.7%) $206,008 (17.0%) 0.00 68
    2021-11-01 $154,950 (24.0%) $215,288 (22.6%) 0.00 73
    2021-12-01 $149,925 (25.6%) $206,157 (21.3%) 0.00 62
    2022-01-01 $146,999 (15.1%) $205,688 (18.3%) 0.00 53
    2022-02-01 $168,000 (18.0%) $214,047 (21.1%) 0.00 52
    2022-03-01 $168,675 (9.0%) $204,352 (5.3%) 0.00 49
    2022-04-01 $164,900 (0.1%) $209,256 (3.6%) 0.00 56
    2022-05-01 $162,550 (-4.3%) $219,777 (0.5%) 0.00 75
    2022-06-01 $179,900 (4.4%) $230,907 (3.0%) 0.00 89
    2022-07-01 $185,000 (17.8%) $235,387 (14.0%) 0.00 91
    2022-08-01 $182,500 (20.7%) $219,181 (10.3%) 0.00 90
    2022-09-01 $168,350 (13.0%) $210,678 (-0.4%) 0.00 90
    2022-10-01 $189,900 (27.5%) $226,610 (10.0%) 0.00 91
    2022-11-01 $180,650 (16.6%) $216,289 (0.5%) 0.00 82
    2022-12-01 $199,900 (33.3%) $245,062 (18.9%) 0.00 71
    2023-01-01 $209,300 (42.4%) $270,692 (31.6%) 0.00 68
    2023-02-01 $199,900 (19.0%) $247,472 (15.6%) 0.00 64
    2023-03-01 $194,450 (15.3%) $243,109 (19.0%) 0.00 66
    2023-04-01 $191,000 (15.8%) $238,076 (13.8%) 0.00 63
    2023-05-01 $197,525 (21.5%) $245,034 (11.5%) 0.00 62
    2023-06-01 $190,550 (5.9%) $245,477 (6.3%) 0.00 81
    2023-07-01 $190,000 (2.7%) $237,844 (1.0%) 0.00 62
    2023-08-01 $191,500 (4.9%) $235,767 (7.6%) 0.00 64
    2023-09-01 $209,900 (24.7%) $243,628 (15.6%) 0.00 58
    2023-10-01 $211,250 (11.2%) $239,779 (5.8%) 0.00 58
    2023-11-01 $211,200 (16.9%) $240,292 (11.1%) 0.00 57
    2023-12-01 $225,000 (12.6%) $267,157 (9.0%) 0.00 80
    2024-01-01 $259,200 (23.8%) $277,769 (2.6%) 0.00 76
    2024-02-01 $252,400 (26.3%) $272,310 (10.0%) 0.00 77
    2024-03-01 $265,500 (36.5%) $283,816 (16.7%) 0.00 72
    2024-04-01 $299,950 (57.0%) $309,558 (30.0%) 0.00 70
    2024-05-01 $342,350 (73.3%) $336,202 (37.2%) 0.00 63
    2024-06-01 $262,000 (37.5%) $313,611 (27.8%) 0.00 50
    2024-07-01 $264,000 (39.0%) $303,449 (27.6%) 0.00 62
    2024-08-01 $247,250 (29.1%) $287,708 (22.0%) 0.00 77
    2024-09-01 $256,000 (22.0%) $290,501 (19.2%) 0.00 91
    2024-10-01 $243,475 (15.3%) $272,840 (13.8%) 0.00 94
    2024-11-01 $235,000 (11.3%) $270,901 (12.7%) 0.00 97
    Greenville's median listing price for 2024-11-01 was $235,000, a difference of $23,800 (11.3%) versus the prior year and $-8,475 versus the prior month.

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

    Greenville's average listing price for 2024-11-01 was $270,901, a difference of $30,609 (12.7%) versus the prior year and $-1,939 versus the prior month.

    For the 2024-11-01 period, Greenville had 97 MLS listings, a difference of 3 listings (3%) versus the prior month and 40 listings (70%) 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 1,738 sqft
    2018-02-01 0 days 1,721 sqft
    2018-03-01 0 days 1,755 sqft
    2018-04-01 0 days 1,806 sqft
    2018-05-01 0 days 1,882 sqft
    2018-06-01 0 days 1,812 sqft
    2018-07-01 0 days 1,787 sqft
    2018-08-01 0 days 1,852 sqft
    2018-09-01 0 days 1,811 sqft
    2018-10-01 0 days 1,722 sqft
    2018-11-01 0 days 1,710 sqft
    2018-12-01 0 days 1,695 sqft
    2019-01-01 0 days 1,615 sqft
    2019-02-01 0 days 1,554 sqft
    2019-03-01 0 days 1,572 sqft
    2019-04-01 0 days 1,568 sqft
    2019-05-01 0 days 1,568 sqft
    2019-06-01 0 days 1,592 sqft
    2019-07-01 0 days 1,576 sqft
    2019-08-01 0 days 1,612 sqft
    2019-09-01 0 days 1,659 sqft
    2019-10-01 0 days 1,695 sqft
    2019-11-01 0 days 1,689 sqft
    2019-12-01 0 days 1,745 sqft
    2020-01-01 0 days 1,728 sqft
    2020-02-01 0 days 1,784 sqft
    2020-03-01 0 days 1,753 sqft
    2020-04-01 0 days 1,758 sqft
    2020-05-01 0 days 1,642 sqft
    2020-06-01 0 days 1,630 sqft
    2020-07-01 0 days 1,652 sqft
    2020-08-01 0 days 1,656 sqft
    2020-09-01 0 days 1,635 sqft
    2020-10-01 0 days 1,680 sqft
    2020-11-01 0 days 1,804 sqft
    2020-12-01 0 days 1,734 sqft
    2021-01-01 0 days 1,777 sqft
    2021-02-01 0 days 1,659 sqft
    2021-03-01 0 days 1,677 sqft
    2021-04-01 0 days 1,732 sqft
    2021-05-01 0 days 1,865 sqft
    2021-06-01 0 days 1,738 sqft
    2021-07-01 0 days 1,678 sqft
    2021-08-01 0 days 1,658 sqft
    2021-09-01 0 days 1,666 sqft
    2021-10-01 0 days 1,555 sqft
    2021-11-01 0 days 1,542 sqft
    2021-12-01 0 days 1,582 sqft
    2022-01-01 0 days 1,445 sqft
    2022-02-01 0 days 1,458 sqft
    2022-03-01 0 days 1,475 sqft
    2022-04-01 0 days 1,583 sqft
    2022-05-01 0 days 1,622 sqft
    2022-06-01 0 days 1,661 sqft
    2022-07-01 0 days 1,703 sqft
    2022-08-01 0 days 1,609 sqft
    2022-09-01 0 days 1,639 sqft
    2022-10-01 0 days 1,720 sqft
    2022-11-01 0 days 1,609 sqft
    2022-12-01 0 days 1,794 sqft
    2023-01-01 0 days 1,776 sqft
    2023-02-01 0 days 1,772 sqft
    2023-03-01 0 days 1,705 sqft
    2023-04-01 0 days 1,692 sqft
    2023-05-01 0 days 1,679 sqft
    2023-06-01 0 days 1,559 sqft
    2023-07-01 0 days 1,600 sqft
    2023-08-01 0 days 1,635 sqft
    2023-09-01 0 days 1,651 sqft
    2023-10-01 0 days 1,623 sqft
    2023-11-01 0 days 1,585 sqft
    2023-12-01 0 days 1,688 sqft
    2024-01-01 0 days 1,730 sqft
    2024-02-01 0 days 1,730 sqft
    2024-03-01 0 days 1,730 sqft
    2024-04-01 0 days 1,730 sqft
    2024-05-01 0 days 1,730 sqft
    2024-06-01 0 days 1,702 sqft
    2024-07-01 0 days 1,783 sqft
    2024-08-01 0 days 1,738 sqft
    2024-09-01 0 days 1,739 sqft
    2024-10-01 0 days 1,740 sqft
    2024-11-01 0 days 1,748 sqft
    Greenville's median listing age (time on market) for 2024-11-01 was 0 days.

    Greenville's median square footage for active listings during the 2024-11-01 period was 1,748 sqft. One year prior, the average listing was 1,585 sqft.