Yauco USDA Loan Rates, Closing Costs & Stats

YAUCO, PR

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.

Yauco's 10 lenders originated 24 USDA loans during 2024. The total origination value was $2,950,000, with an average USDA loan value of $122,917.

Yauco USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Yauco averaged 6.49% for the week of 2025-04-11, compared to the national average (all USDA variants) of 6.449% for the same period.

Yauco's average USDA mortgage closing costs are $5,461.

The average rate for the prior week (2025-04-04) was 6.05% and one month ago for the week of 2025-03-07, the average rate was 6.52%.

The average rate one year ago was 6.37%.

For refis of the same type during the week of 2025-04-11, the average rate was 6.55%.

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

Yauco 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 Yauco level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
THE MONEY HOUSE INC. 7 6.50% $6,927
Banco Popular de Puerto Rico 4 5.00% $10,153
HR MORTGAGE CORP. 3 6.17% $11,508
Oriental Bank 2 5.75% $5,217
SUN WEST MORTGAGE COMPANY, INC. 2 6.81% $9,062
FIRST EQUITY MORTGAGE BANKERS, INC. 1 6.75% $8,745
PREFERRED MORTGAGE CORPORATION 1 6.25% $13,302
VIG MORTGAGE CORPORATION 1 6.25% $9,624
E.M.I. EQUITY MORTGAGE, INC. 1 5.75% $6,901
HOME MORTGAGE BANKERS CORP. 1 6.75% $6,383

The top Yauco USDA lender as defined by loan originations is THE MONEY HOUSE INC., with 7 USDA loans originated. Their average total fees are $6,927, which is $3,227 lower than the next largest lender, Banco Popular de Puerto Rico.

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

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