Orlando USDA Loan Rates, Closing Costs & Stats
ORLANDO-KISSIMMEE-SANFORD, FL
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.
Orlando's 16 lenders originated 30 USDA loans during 2024. The total origination value was $10,400,000, with an average USDA loan value of $346,667.
Orlando USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Orlando
averaged
6.3%
for the week of 2025-04-11, compared to the national average (all USDA variants) of
6.449% for the same period.
Orlando's average USDA mortgage closing costs are $6,931.
The average rate for the prior week (2025-04-04) was
6.55% and
one month ago for the week of 2025-03-07, the
average rate was 6.32%.
The average rate one year ago was 6.68%.
For refis of the same type during the week of 2025-04-11, the average rate
was 6.21%.
Orlando 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 Orlando level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| MORTGAGE FINANCIAL GROUP, INC. | 6 | 6.19% | $8,790 |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | 6.33% | $10,984 |
| UNITED WHOLESALE MORTGAGE, LLC | 3 | 6.21% | $11,223 |
| Equity Prime Mortgage LLC | 1 | 6.75% | $8,288 |
| Fifth Third Bank | 1 | 6.50% | $6,554 |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | 7.25% | $10,538 |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | 6.63% | $7,826 |
| Plains Commerce Bank | 1 | 5.63% | $11,014 |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | 6.63% | $20,573 |
| Sierra Pacific Mortgage Company, Inc. | 1 | 6.25% | $9,778 |
| STOCKTON MORTGAGE CORPORATION | 1 | 0.00% | $10,230 |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | 5.63% | $8,949 |
| UNION HOME MORTGAGE CORP. | 1 | 5.25% | $8,203 |
| Paramount Residential Mortgage Group, Inc. | 1 | 5.63% | $10,456 |
| Century Mortgage Company DBA Century Lending Company | 1 | 6.75% | $7,458 |
| City Lending Inc. | 1 | 6.38% | $9,125 |
The top Orlando USDA lender as defined by loan originations is MORTGAGE FINANCIAL GROUP, INC., with
6 USDA loans originated. Their average total fees are
$8,790, which is $2,194
lower than the next largest lender,
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION.
The lowest fee Orlando USDA lenders (with over 10 loans originated) are
.
The lowest rate Orlando USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Orlando (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 | $299,000 (8.7%) | $438,865 (7.6%) | 1.11 | 8,937 |
| 2018-02-01 | $299,950 (7.1%) | $445,088 (8.1%) | 1.09 | 8,954 |
| 2018-03-01 | $309,000 (8.4%) | $445,802 (6.0%) | 1.08 | 8,936 |
| 2018-04-01 | $317,945 (8.8%) | $459,481 (6.6%) | 1.08 | 8,940 |
| 2018-05-01 | $319,400 (6.9%) | $461,316 (7.0%) | 1.07 | 9,087 |
| 2018-06-01 | $319,753 (6.9%) | $464,530 (8.4%) | 1.07 | 9,346 |
| 2018-07-01 | $318,200 (6.4%) | $461,244 (8.9%) | 1.06 | 9,767 |
| 2018-08-01 | $318,750 (7.0%) | $459,108 (10.0%) | 1.07 | 9,871 |
| 2018-09-01 | $310,000 (3.7%) | $448,335 (6.1%) | 1.04 | 10,170 |
| 2018-10-01 | $307,945 (3.0%) | $443,184 (5.0%) | 1.04 | 10,598 |
| 2018-11-01 | $302,840 (1.3%) | $434,165 (1.7%) | 1.03 | 10,691 |
| 2018-12-01 | $300,000 (0.7%) | $435,721 (1.2%) | 1.03 | 10,452 |
| 2019-01-01 | $299,900 (0.3%) | $436,346 (-0.6%) | 1.04 | 10,234 |
| 2019-02-01 | $301,448 (0.5%) | $441,269 (-0.9%) | 1.02 | 10,326 |
| 2019-03-01 | $307,580 (-0.5%) | $447,922 (0.5%) | 1.01 | 10,139 |
| 2019-04-01 | $313,011 (-1.6%) | $451,109 (-1.8%) | 0.99 | 9,842 |
| 2019-05-01 | $315,250 (-1.3%) | $453,852 (-1.6%) | 0.99 | 9,887 |
| 2019-06-01 | $319,900 (0.1%) | $451,459 (-2.8%) | 1.00 | 9,955 |
| 2019-07-01 | $322,301 (1.3%) | $449,755 (-2.5%) | 1.01 | 9,889 |
| 2019-08-01 | $322,636 (1.2%) | $446,713 (-2.7%) | 1.02 | 9,786 |
| 2019-09-01 | $320,591 (3.4%) | $442,153 (-1.4%) | 1.03 | 9,748 |
| 2019-10-01 | $319,677 (3.8%) | $439,114 (-0.9%) | 1.03 | 9,717 |
| 2019-11-01 | $319,000 (5.3%) | $437,676 (0.8%) | 1.05 | 9,544 |
| 2019-12-01 | $316,924 (5.6%) | $442,097 (1.5%) | 1.06 | 9,080 |
| 2020-01-01 | $314,500 (4.9%) | $444,198 (1.8%) | 1.05 | 8,692 |
| 2020-02-01 | $325,000 (7.8%) | $455,346 (3.2%) | 1.06 | 8,384 |
| 2020-03-01 | $323,950 (5.3%) | $455,835 (1.8%) | 1.02 | 8,471 |
| 2020-04-01 | $312,500 (-0.2%) | $433,067 (-4.0%) | 0.98 | 9,164 |
| 2020-05-01 | $315,000 (-0.1%) | $434,728 (-4.2%) | 0.96 | 9,165 |
| 2020-06-01 | $319,950 (0.0%) | $445,048 (-1.4%) | 0.94 | 8,666 |
| 2020-07-01 | $322,495 (0.1%) | $449,874 (0.0%) | 0.93 | 8,312 |
| 2020-08-01 | $325,000 (0.7%) | $447,170 (0.1%) | 0.93 | 8,108 |
| 2020-09-01 | $325,000 (1.4%) | $453,560 (2.6%) | 0.93 | 7,884 |
| 2020-10-01 | $325,000 (1.7%) | $452,390 (3.0%) | 0.93 | 7,743 |
| 2020-11-01 | $325,000 (1.9%) | $456,943 (4.4%) | 0.95 | 7,567 |
| 2020-12-01 | $323,410 (2.1%) | $456,968 (3.4%) | 0.96 | 6,989 |
| 2021-01-01 | $319,490 (1.6%) | $461,338 (3.9%) | 0.95 | 5,934 |
| 2021-02-01 | $319,000 (-1.9%) | $466,059 (2.4%) | 0.93 | 4,914 |
| 2021-03-01 | $324,263 (0.1%) | $477,283 (4.7%) | 0.92 | 4,080 |
| 2021-04-01 | $327,000 (4.6%) | $490,984 (13.4%) | 0.89 | 3,550 |
| 2021-05-01 | $340,000 (7.9%) | $501,696 (15.4%) | 0.90 | 3,447 |
| 2021-06-01 | $355,698 (11.2%) | $522,802 (17.5%) | 0.94 | 3,690 |
| 2021-07-01 | $364,850 (13.1%) | $520,877 (15.8%) | 0.96 | 4,023 |
| 2021-08-01 | $374,950 (15.4%) | $517,394 (15.7%) | 1.00 | 4,207 |
| 2021-09-01 | $379,950 (16.9%) | $528,628 (16.6%) | 1.01 | 4,214 |
| 2021-10-01 | $389,995 (20.0%) | $533,416 (17.9%) | 1.04 | 4,111 |
| 2021-11-01 | $385,445 (18.6%) | $535,953 (17.3%) | 1.03 | 3,807 |
| 2021-12-01 | $389,900 (20.6%) | $531,542 (16.3%) | 1.06 | 3,387 |
| 2022-01-01 | $397,500 (24.4%) | $550,615 (19.4%) | 1.07 | 2,820 |
| 2022-02-01 | $397,500 (24.6%) | $568,759 (22.0%) | 1.03 | 2,536 |
| 2022-03-01 | $412,500 (27.2%) | $588,942 (23.4%) | 1.03 | 2,513 |
| 2022-04-01 | $429,900 (31.5%) | $610,081 (24.3%) | 1.02 | 2,765 |
| 2022-05-01 | $450,000 (32.4%) | $626,473 (24.9%) | 1.03 | 3,684 |
| 2022-06-01 | $465,000 (30.7%) | $625,753 (19.7%) | 1.04 | 4,880 |
| 2022-07-01 | $464,000 (27.2%) | $614,346 (17.9%) | 1.05 | 6,807 |
| 2022-08-01 | $453,168 (20.9%) | $597,190 (15.4%) | 1.05 | 7,352 |
| 2022-09-01 | $449,411 (18.3%) | $586,027 (10.9%) | 1.05 | 7,542 |
| 2022-10-01 | $445,000 (14.1%) | $588,112 (10.3%) | 1.05 | 7,391 |
| 2022-11-01 | $439,653 (14.1%) | $581,174 (8.4%) | 1.06 | 7,839 |
| 2022-12-01 | $430,000 (10.3%) | $581,820 (9.5%) | 1.06 | 7,376 |
| 2023-01-01 | $429,450 (8.0%) | $590,859 (7.3%) | 1.06 | 6,846 |
| 2023-02-01 | $434,995 (9.4%) | $601,709 (5.8%) | 1.05 | 6,418 |
| 2023-03-01 | $440,948 (6.9%) | $618,305 (5.0%) | 1.04 | 5,942 |
| 2023-04-01 | $441,850 (2.8%) | $627,225 (2.8%) | 1.03 | 5,793 |
| 2023-05-01 | $450,000 (0.0%) | $641,992 (2.5%) | 1.02 | 5,669 |
| 2023-06-01 | $459,450 (-1.2%) | $642,551 (2.7%) | 1.03 | 5,926 |
| 2023-07-01 | $459,900 (-0.9%) | $643,135 (4.7%) | 1.05 | 6,361 |
| 2023-08-01 | $458,970 (1.3%) | $630,849 (5.6%) | 1.05 | 6,702 |
| 2023-09-01 | $455,751 (1.4%) | $622,246 (6.2%) | 1.06 | 7,280 |
| 2023-10-01 | $450,000 (1.1%) | $609,826 (3.7%) | 1.06 | 7,838 |
| 2023-11-01 | $447,137 (1.7%) | $603,752 (3.9%) | 1.06 | 8,433 |
| 2023-12-01 | $438,945 (2.1%) | $589,703 (1.4%) | 1.07 | 8,613 |
| 2024-01-01 | $435,000 (1.3%) | $584,421 (-1.1%) | 1.06 | 8,723 |
| 2024-02-01 | $435,000 (0.0%) | $588,620 (-2.2%) | 1.05 | 8,896 |
| 2024-03-01 | $439,000 (-0.4%) | $594,639 (-3.8%) | 1.03 | 9,112 |
| 2024-04-01 | $439,950 (-0.4%) | $594,449 (-5.2%) | 1.02 | 9,515 |
| 2024-05-01 | $439,950 (-2.2%) | $599,079 (-6.7%) | 1.00 | 10,085 |
| 2024-06-01 | $444,500 (-3.3%) | $594,547 (-7.5%) | 1.01 | 10,767 |
| 2024-07-01 | $439,996 (-4.3%) | $591,340 (-8.1%) | 1.01 | 11,363 |
| 2024-08-01 | $435,000 (-5.2%) | $580,281 (-8.0%) | 1.01 | 11,856 |
| 2024-09-01 | $429,950 (-5.7%) | $571,986 (-8.1%) | 1.01 | 12,264 |
| 2024-10-01 | $427,450 (-5.0%) | $570,308 (-6.5%) | 1.01 | 12,304 |
| 2024-11-01 | $425,000 (-5.0%) | $561,166 (-7.1%) | 1.02 | 12,644 |
| 2024-12-01 | $419,950 (-4.3%) | $557,767 (-5.4%) | 1.04 | 12,252 |
| 2025-01-01 | $419,900 (-3.5%) | $554,785 (-5.1%) | 1.05 | 12,158 |
| 2025-02-01 | $418,950 (-3.7%) | $552,627 (-6.1%) | 1.02 | 12,793 |
| 2025-03-01 | $419,800 (-4.4%) | $560,411 (-5.8%) | 0.00 | 13,287 |
Orlando's median listing price comes in at 0% of the national average.
Orlando's average listing price for 2025-03-01 was $560,411, a difference of $-34,228 (-5.8%) versus the prior year and $7,784 versus the prior month.
For the 2025-03-01 period, Orlando had 13,287 MLS listings, a difference of 494 listings (4%) versus the prior month and 4,175 listings (46%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Orlando (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 71 days | 2,113 sqft |
| 2018-02-01 | 64 days | 2,129 sqft |
| 2018-03-01 | 53 days | 2,161 sqft |
| 2018-04-01 | 54 days | 2,185 sqft |
| 2018-05-01 | 54 days | 2,166 sqft |
| 2018-06-01 | 54 days | 2,173 sqft |
| 2018-07-01 | 55 days | 2,162 sqft |
| 2018-08-01 | 56 days | 2,146 sqft |
| 2018-09-01 | 58 days | 2,099 sqft |
| 2018-10-01 | 57 days | 2,088 sqft |
| 2018-11-01 | 58 days | 2,054 sqft |
| 2018-12-01 | 65 days | 2,043 sqft |
| 2019-01-01 | 72 days | 2,036 sqft |
| 2019-02-01 | 63 days | 2,041 sqft |
| 2019-03-01 | 57 days | 2,064 sqft |
| 2019-04-01 | 56 days | 2,082 sqft |
| 2019-05-01 | 54 days | 2,100 sqft |
| 2019-06-01 | 56 days | 2,106 sqft |
| 2019-07-01 | 56 days | 2,114 sqft |
| 2019-08-01 | 58 days | 2,105 sqft |
| 2019-09-01 | 60 days | 2,092 sqft |
| 2019-10-01 | 62 days | 2,085 sqft |
| 2019-11-01 | 58 days | 2,082 sqft |
| 2019-12-01 | 65 days | 2,080 sqft |
| 2020-01-01 | 70 days | 2,063 sqft |
| 2020-02-01 | 63 days | 2,070 sqft |
| 2020-03-01 | 52 days | 2,069 sqft |
| 2020-04-01 | 55 days | 2,009 sqft |
| 2020-05-01 | 65 days | 1,993 sqft |
| 2020-06-01 | 68 days | 1,989 sqft |
| 2020-07-01 | 59 days | 1,987 sqft |
| 2020-08-01 | 55 days | 1,975 sqft |
| 2020-09-01 | 55 days | 1,950 sqft |
| 2020-10-01 | 56 days | 1,920 sqft |
| 2020-11-01 | 57 days | 1,914 sqft |
| 2020-12-01 | 61 days | 1,903 sqft |
| 2021-01-01 | 65 days | 1,866 sqft |
| 2021-02-01 | 59 days | 1,828 sqft |
| 2021-03-01 | 46 days | 1,829 sqft |
| 2021-04-01 | 40 days | 1,805 sqft |
| 2021-05-01 | 36 days | 1,800 sqft |
| 2021-06-01 | 33 days | 1,847 sqft |
| 2021-07-01 | 34 days | 1,852 sqft |
| 2021-08-01 | 36 days | 1,864 sqft |
| 2021-09-01 | 37 days | 1,867 sqft |
| 2021-10-01 | 40 days | 1,888 sqft |
| 2021-11-01 | 42 days | 1,849 sqft |
| 2021-12-01 | 58 days | 1,853 sqft |
| 2022-01-01 | 43 days | 1,848 sqft |
| 2022-02-01 | 34 days | 1,821 sqft |
| 2022-03-01 | 30 days | 1,826 sqft |
| 2022-04-01 | 30 days | 1,847 sqft |
| 2022-05-01 | 27 days | 1,911 sqft |
| 2022-06-01 | 29 days | 1,950 sqft |
| 2022-07-01 | 30 days | 1,959 sqft |
| 2022-08-01 | 40 days | 1,937 sqft |
| 2022-09-01 | 48 days | 1,914 sqft |
| 2022-10-01 | 57 days | 1,914 sqft |
| 2022-11-01 | 61 days | 1,914 sqft |
| 2022-12-01 | 67 days | 1,902 sqft |
| 2023-01-01 | 72 days | 1,896 sqft |
| 2023-02-01 | 64 days | 1,907 sqft |
| 2023-03-01 | 53 days | 1,914 sqft |
| 2023-04-01 | 51 days | 1,914 sqft |
| 2023-05-01 | 47 days | 1,935 sqft |
| 2023-06-01 | 46 days | 1,956 sqft |
| 2023-07-01 | 46 days | 1,951 sqft |
| 2023-08-01 | 46 days | 1,936 sqft |
| 2023-09-01 | 50 days | 1,914 sqft |
| 2023-10-01 | 50 days | 1,902 sqft |
| 2023-11-01 | 53 days | 1,885 sqft |
| 2023-12-01 | 58 days | 1,850 sqft |
| 2024-01-01 | 66 days | 1,846 sqft |
| 2024-02-01 | 64 days | 1,839 sqft |
| 2024-03-01 | 54 days | 1,850 sqft |
| 2024-04-01 | 54 days | 1,863 sqft |
| 2024-05-01 | 52 days | 1,859 sqft |
| 2024-06-01 | 55 days | 1,861 sqft |
| 2024-07-01 | 59 days | 1,855 sqft |
| 2024-08-01 | 63 days | 1,846 sqft |
| 2024-09-01 | 65 days | 1,843 sqft |
| 2024-10-01 | 70 days | 1,831 sqft |
| 2024-11-01 | 73 days | 1,828 sqft |
| 2024-12-01 | 80 days | 1,824 sqft |
| 2025-01-01 | 81 days | 1,823 sqft |
| 2025-02-01 | 74 days | 1,812 sqft |
| 2025-03-01 | 0 days | 1,814 sqft |
Orlando's median square footage for active listings during the 2025-03-01 period was 1,814 sqft. One year prior, the average listing was 1,850 sqft.