Huntington USDA Loan Rates, Closing Costs & Stats

HUNTINGTON-ASHLAND, WV-KY-OH

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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.

    Huntington's 30 lenders originated 172 USDA loans during 2024. The total origination value was $25,100,000, with an average USDA loan value of $145,930.

    Huntington USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Huntington averaged 6.46% for the week of 2025-07-18, compared to the national average (all USDA variants) of 6.472% for the same period.

    Huntington's average USDA mortgage closing costs are $4,678.

    The average rate for the prior week (2025-07-11) was 6.54% and one month ago for the week of 2025-06-13, the average rate was 6.89%.

    The average rate one year ago was 6.84%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.63%.

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

    Huntington 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 Huntington level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Equity Prime Mortgage LLC 57 6.68% $5,050
    STOCKTON MORTGAGE CORPORATION 22 6.56% $7,165
    MOVEMENT MORTGAGE, LLC 20 6.73% $6,987
    PRIMELENDING, A PLAINSCAPITAL COMPANY 11 6.68% $5,625
    UNITED WHOLESALE MORTGAGE, LLC 10 6.57% $6,738
    Gateway First Bank 7 6.61% $5,891
    BAYSHORE MORTGAGE FUNDING, LLC 5 7.13% $9,694
    U.S. Bank 4 6.03% $5,586
    DESCO 3 7.04% $4,180
    SUCCESS MORTGAGE PARTNERS, INC. 3 7.29% $7,281
    CALCON MUTUAL MORTGAGE LLC 3 6.46% $5,859
    POLARIS HOME FUNDING CORP. 2 6.69% $6,645
    CROSSCOUNTRY MORTGAGE, LLC 2 6.50% $10,844
    DAS Acquisition Company, LLC 2 6.43% $6,035
    LOANDEPOT.COM, LLC 2 7.00% $5,815
    MID AMERICA MORTGAGE, INC. 2 6.50% $4,587
    WesBanco 1 6.50% $5,139
    ASHLAND Credit Union 1 6.75% $5,072
    Barrington Bank & Trust Company, N.A. 1 6.25% $9,303
    EQUITY RESOURCES, INC. 1 6.63% $5,134
    Fifth Third Bank 1 6.25% $5,563
    GUARANTEED RATE, INC. 1 6.99% $5,745
    HOMESIDE FINANCIAL, LLC 1 6.00% $5,569
    Magnolia Bank 1 7.25% $6,459
    Mortgage Research Center, LLC 1 6.25% $2,164
    NEWREZ LLC 1 6.75% $6,014
    The Huntington National Bank 1 5.75% $8,682
    Truist 1 5.50% $3,547
    VILLAGE CAPITAL MORTGAGE 1 5.75% $5,940
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $6,380

    The top Huntington USDA lender as defined by loan originations is Equity Prime Mortgage LLC, with 57 USDA loans originated. Their average total fees are $5,050, which is $2,115 lower than the next largest lender, STOCKTON MORTGAGE CORPORATION.

    The lowest fee Huntington USDA lenders (with over 10 loans originated) are Equity Prime Mortgage LLC ($5,050), PRIMELENDING, A PLAINSCAPITAL COMPANY ($5,625), UNITED WHOLESALE MORTGAGE, LLC ($6,738), MOVEMENT MORTGAGE, LLC ($6,987) and STOCKTON MORTGAGE CORPORATION ($7,165).

    The lowest rate Huntington USDA lenders (with over 10 loans originated) are STOCKTON MORTGAGE CORPORATION (6.56%), UNITED WHOLESALE MORTGAGE, LLC (6.57%), Equity Prime Mortgage LLC (6.68%), PRIMELENDING, A PLAINSCAPITAL COMPANY (6.68%) and MOVEMENT MORTGAGE, LLC (6.73%).