San Antonio USDA Loan Rates, Closing Costs & Stats

SAN ANTONIO-NEW BRAUNFELS, TX

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    • 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.

    San Antonio's 26 lenders originated 224 USDA loans during 2024. The total origination value was $58,820,000, with an average USDA loan value of $262,589.

    San Antonio USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in San Antonio averaged -0.6% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

    San Antonio's average USDA mortgage closing costs are $7,050.

    The average rate for the prior week (2025-06-13) was 5.7% and one month ago for the week of 2025-05-16, the average rate was 5.66%.

    The average rate one year ago was 6.08%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.1%.

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

    San Antonio 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 San Antonio level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    EAGLE HOME MORTGAGE, LLC 71 4.36% $7,238
    DHI MORTGAGE COMPANY, LTD. 54 4.58% $6,917
    VELOCIO MORTGAGE L.L.C. 18 4.67% $10,837
    PULTE MORTGAGE LLC 14 4.56% $4,879
    GUILD MORTGAGE COMPANY 6 6.23% $10,147
    KBHS HOME LOANS, LLC 3 5.63% $6,574
    NEWREZ LLC 3 5.71% $6,544
    UNITED WHOLESALE MORTGAGE, LLC 3 6.25% $10,651
    INSPIRE HOME LOANS INC. 3 4.88% $8,843
    HOMESIDE FINANCIAL, LLC 2 6.00% $12,103
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.00% $6,140
    Paramount Residential Mortgage Group, Inc. 2 5.69% $14,286
    BROKER SOLUTIONS, INC. 2 5.88% $13,070
    V.I.P. MORTGAGE, INC. 1 5.62% $9,192
    Cornerstone First Mortgage, Inc 1 5.75% $17,888
    DAS Acquisition Company, LLC 1 6.00% $10,502
    Encompass Lending Group, LP 1 6.13% $8,302
    GUARANTEED RATE AFFINITY, LLC 1 7.25% $6,494
    HALLMARK HOME MORTGAGE, LLC 1 6.49% $9,889
    LOANDEPOT.COM, LLC 1 6.99% $6,444
    MID AMERICA MORTGAGE, INC. 1 6.88% $7,816
    Mortgage Research Center, LLC 1 6.13% $4,754
    Network Funding, L.P. 1 5.50% $11,999
    SENTE MORTGAGE, INC. 1 6.87% $11,449
    VILLAGE CAPITAL MORTGAGE 1 6.00% $12,147
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.25% $13,625

    The top San Antonio USDA lender as defined by loan originations is EAGLE HOME MORTGAGE, LLC, with 71 USDA loans originated. Their average total fees are $7,238, which is $322 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee San Antonio USDA lenders (with over 10 loans originated) are PULTE MORTGAGE LLC ($4,879), DHI MORTGAGE COMPANY, LTD. ($6,917), EAGLE HOME MORTGAGE, LLC ($7,238), VELOCIO MORTGAGE L.L.C. ($10,837) and .

    The lowest rate San Antonio USDA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.36%), PULTE MORTGAGE LLC (4.56%), DHI MORTGAGE COMPANY, LTD. (4.58%), VELOCIO MORTGAGE L.L.C. (4.67%) and .