Guayama USDA Loan Rates, Closing Costs & Stats

GUAYAMA, PR

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.

Guayama's 16 lenders originated 45 USDA loans during 2024. The total origination value was $4,375,000, with an average USDA loan value of $97,222.

Guayama USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Guayama averaged 6.43% for the week of 2025-04-11, compared to the national average (all USDA variants) of 6.449% for the same period.

Guayama's average USDA mortgage closing costs are $5,444.

The average rate for the prior week (2025-04-04) was 6.18% and one month ago for the week of 2025-03-07, the average rate was 6.15%.

The average rate one year ago was 6.41%.

For refis of the same type during the week of 2025-04-11, the average rate was 6.35%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Guayama 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 Guayama level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
HR MORTGAGE CORP. 6 6.42% $7,071
Oriental Bank 6 5.42% $8,498
RM ACTUAL MORTGAGE, INC. 4 6.50% $6,190
FIRSTBANK PUERTO RICO 3 5.75% $5,362
THE MONEY HOUSE INC. 3 6.58% $5,991
Cooperativa A/C Oriental 3 6.58% $4,941
Rf Mortgage & Investment Corp 3 6.42% $8,501
SUN WEST MORTGAGE COMPANY, INC. 3 6.25% $7,885
VIG MORTGAGE CORPORATION 2 6.88% $12,585
E.M.I. EQUITY MORTGAGE, INC. 2 6.75% $5,070
HOME MORTGAGE BANKERS CORP. 2 6.75% $8,341
PREFERRED MORTGAGE CORPORATION 2 6.38% $6,073
The Lending Center Corporation 2 6.25% $9,093
METRO ISLAND MORTGAGE, INC. 1 6.25% $5,483
TRUST MORTGAGE, CORP 1 6.25% $6,434
Banco Popular de Puerto Rico 1 5.00% $7,549

The top Guayama USDA lender as defined by loan originations is HR MORTGAGE CORP., with 6 USDA loans originated. Their average total fees are $7,071, which is $1,427 lower than the next largest lender, Oriental Bank.

The lowest fee Guayama USDA lenders (with over 10 loans originated) are .

The lowest rate Guayama USDA lenders (with over 10 loans originated) are .