Lagrange USDA Loan Rates, Closing Costs & Stats

LaGrange, GA-AL

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.

Lagrange's 29 lenders originated 42 USDA loans during 2024. The total origination value was $8,160,000, with an average USDA loan value of $194,286.

Lagrange USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Lagrange averaged 0.04% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

Lagrange's average USDA mortgage closing costs are $4,896.

The average rate for the prior week (2025-06-13) was 6.44% and one month ago for the week of 2025-05-16, the average rate was 6.71%.

The average rate one year ago was 6.83%.

For refis of the same type during the week of 2025-06-20, the average rate was -0.13%.

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

Lagrange 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 Lagrange level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 3 6.08% $7,656
Keystone Funding, Inc. 3 6.38% $5,271
Magnolia Bank 3 6.67% $8,307
EMM LOANS LLC 2 6.38% $6,510
Equity Prime Mortgage LLC 2 6.88% $9,251
Paramount Residential Mortgage Group, Inc. 2 6.19% $6,690
Capital City Home Loans, LLC 2 6.44% $4,724
Ameris Bank 2 5.81% $11,360
GUARANTEED RATE, INC. 2 6.25% $8,406
HOMESIDE FINANCIAL, LLC 1 6.75% $5,590
Trustmark National Bank 1 4.75% $9,689
MOVEMENT MORTGAGE, LLC 1 6.25% $8,163
NEWREZ LLC 1 6.50% $5,003
NORWICH COMMERCIAL GROUP, INC. 1 5.75% $2,537
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.25% $7,887
Prosperity Home Mortgage, LLC 1 6.00% $7,081
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 6.50% $6,156
South State Bank 1 6.00% $5,010
STOCKTON MORTGAGE CORPORATION 1 7.25% $5,929
Synovus Bank 1 6.75% $5,634
TJC Mortgage, Inc. 1 7.00% $4,821
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.63% $7,168
CANOPY MORTGAGE, LLC 1 6.63% $6,481
BROKER SOLUTIONS, INC. 1 5.49% $7,619
CMG MORTGAGE, INC. 1 8.25% $5,894
CROSSCOUNTRY MORTGAGE, LLC 1 6.00% $8,649
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.87% $6,636
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.99% $2,229
Hamilton Mortgage Corporation 1 5.75% $5,133

The top Lagrange USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 3 USDA loans originated. Their average total fees are $7,656, which is $2,384 higher than the next largest lender, Keystone Funding, Inc..

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

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