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 0.25% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

Orlando's average USDA mortgage closing costs are $6,931.

The average rate for the prior week (2025-06-13) was 6.55% and one month ago for the week of 2025-05-16, the average rate was 6.61%.

The average rate one year ago was 6.53%.

For refis of the same type during the week of 2025-06-20, the average rate was -0.23%.

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

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 .