Arizona USDA Loan Rates, Closing Costs & Stats

Arizona

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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.

    Arizona USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Arizona averaged 6.25% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Arizona's average USDA mortgage closing costs are $5,941.

    The average rate for the prior week (2025-03-28) was 6.31% and one month ago for the week of 2025-02-28, the average rate was 6.46%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.08%.

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

    Arizona 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 Arizona level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 49 6.14% $9,686
    AMERICAN PACIFIC MORTGAGE CORPORATION 47 6.46% $8,610
    NOVA FINANCIAL & INVESTMENT CORPORATION 32 6.10% $5,093
    GUILD MORTGAGE COMPANY 27 6.33% $9,944
    GENEVA FINANCIAL, LLC 26 6.19% $12,359
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 24 6.36% $10,072
    Equity Prime Mortgage LLC 23 6.24% $7,857
    VELOCIO MORTGAGE L.L.C. 18 4.08% $11,709
    SUN AMERICAN MORTGAGE COMPANY 18 6.14% $6,737
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 15 6.57% $7,021
    CROSSCOUNTRY MORTGAGE, LLC 13 6.25% $8,182
    EAGLE HOME MORTGAGE, LLC 11 4.60% $8,285
    INSPIRE HOME LOANS INC. 10 5.34% $7,386
    Flagstar Bank, FSB 10 6.54% $8,399
    Paramount Residential Mortgage Group, Inc. 8 6.45% $8,477
    LOANDEPOT.COM, LLC 7 6.12% $10,117
    V.I.P. MORTGAGE, INC. 7 6.53% $8,437
    DHI MORTGAGE COMPANY, LTD. 6 4.87% $7,078
    AMERICAN FINANCIAL NETWORK, INC. 6 6.73% $8,149
    GUARANTEED RATE, INC. 6 6.16% $9,365
    ALTITUDE FINANCIAL CORPORATION 5 6.28% $4,983
    BAY EQUITY LLC 5 6.63% $13,424
    NEWREZ LLC 5 5.83% $9,377
    PLAZA HOME MORTGAGE, INC. 4 5.97% $10,567
    CMG MORTGAGE, INC. 4 6.44% $9,223
    Century Mortgage Company DBA Century Lending Company 3 6.37% $9,427
    Waterstone Mortgage Corporation 3 6.04% $8,158
    Cornerstone First Mortgage, Inc 3 6.58% $9,605
    UNION HOME MORTGAGE CORP. 3 5.71% $10,561
    GUARANTEED RATE AFFINITY, LLC 3 6.58% $10,095
    MASON MCDUFFIE MORTGAGE CORPORATION 3 6.08% $8,456
    Plains Commerce Bank 2 6.56% $9,756
    INTERLINC MORTGAGE SERVICES, LLC 2 6.31% $4,655
    KBHS HOME LOANS, LLC 2 5.56% $11,649
    MICHIGAN MUTUAL, INC. 2 6.19% $4,996
    Sierra Pacific Mortgage Company, Inc. 2 5.94% $8,700
    STARBOARD FINANCIAL MANAGEMENT, LLC 2 5.88% $12,020
    The Loan Store, Inc. 2 6.31% $13,328
    MID AMERICA MORTGAGE, INC. 1 6.88% $10,941
    LEADERONE FINANCIAL CORPORATION 1 6.75% $6,012
    PANORAMA MORTGAGE GROUP, LLC 1 5.50% $7,333
    CITYWIDE HOME LOANS, LLC 1 6.25% $14,271
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.99% $7,139
    PLANET HOME LENDING, LLC 1 5.99% $6,121
    JMAC LENDING, INC. 1 6.13% $6,823
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.13% $10,600
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.13% $10,976
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.13% $9,396
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.63% $11,082
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.75% $8,260
    Wallick & Volk, Inc. 1 5.88% $3,222
    SUMMIT FUNDING, INC. 1 6.99% $8,231
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 7.25% $7,381
    Sunflower Bank 1 6.13% $10,739
    Gateway First Bank 1 6.25% $9,205
    TOWNE MORTGAGE COMPANY 1 5.75% $12,442
    HOMESIDE FINANCIAL, LLC 1 6.50% $10,550
    BROKER SOLUTIONS, INC. 1 5.75% $8,899
    Bell Bank 1 6.25% $11,512
    MORIA DEVELOPMENT, INC. 1 5.25% $11,532
    MOVEMENT MORTGAGE, LLC 1 6.75% $9,692
    Nations Lending Corporation 1 5.75% $5,722

    The top Arizona USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 49 USDA loans originated. Their average total fees are $9,686, which is $1,075 higher than the next largest lender, AMERICAN PACIFIC MORTGAGE CORPORATION.

    The lowest fee Arizona USDA lenders (with over 10 loans originated) are NOVA FINANCIAL & INVESTMENT CORPORATION ($5,093), SUN AMERICAN MORTGAGE COMPANY ($6,737), RESIDENTIAL WHOLESALE MORTGAGE, INC. ($7,021), INSPIRE HOME LOANS INC. ($7,386) and Equity Prime Mortgage LLC ($7,857).

    The lowest rate Arizona USDA lenders (with over 10 loans originated) are VELOCIO MORTGAGE L.L.C. (4.08%), EAGLE HOME MORTGAGE, LLC (4.60%), INSPIRE HOME LOANS INC. (5.34%), NOVA FINANCIAL & INVESTMENT CORPORATION (6.10%) and UNITED WHOLESALE MORTGAGE, LLC (6.14%).