Lumberton USDA Loan Rates, Closing Costs & Stats

Lumberton, 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.

Lumberton's 14 lenders originated 20 USDA loans during 2024. The total origination value was $3,730,000, with an average USDA loan value of $186,500.

Lumberton USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Lumberton averaged 0.09% for the week of 2025-07-04, compared to the national average (all USDA variants) of 0% for the same period.

Lumberton's average USDA mortgage closing costs are $5,462.

The average rate for the prior week (2025-06-27) was 6.63% and one month ago for the week of 2025-05-30, the average rate was 6.91%.

The average rate one year ago was 6.81%.

For refis of the same type during the week of 2025-07-04, the average rate was -0.59%.

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

Lumberton 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 Lumberton level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
SeaTrust Mortgage Company 3 6.38% $6,566
1ST SIGNATURE LENDING, LLC 3 7.08% $11,271
UNION HOME MORTGAGE CORP. 2 6.13% $6,671
EMM LOANS LLC 2 6.38% $7,347
First-Citizens Bank & Trust Company 1 6.88% $3,935
GUARANTEED RATE, INC. 1 6.38% $7,329
GUILD MORTGAGE COMPANY 1 6.75% $6,970
JMAC LENDING, INC. 1 5.88% $7,989
Mortgage Research Center, LLC 1 6.63% $2,449
MOVEMENT MORTGAGE, LLC 1 7.25% $6,246
Paramount Residential Mortgage Group, Inc. 1 6.75% $4,256
Residential Acceptance Corporation 1 8.00% $7,877
CROSSCOUNTRY MORTGAGE, LLC 1 5.75% $7,526
American Security Mortgage Corp. 1 6.63% $6,271

The top Lumberton USDA lender as defined by loan originations is SeaTrust Mortgage Company, with 3 USDA loans originated. Their average total fees are $6,566, which is $4,705 lower than the next largest lender, 1ST SIGNATURE LENDING, LLC.

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

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