Winston USDA Loan Rates, Closing Costs & Stats

WINSTON-SALEM, NC

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.

Winston's 30 lenders originated 71 USDA loans during 2024. The total origination value was $17,835,000, with an average USDA loan value of $251,197.

Winston USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Winston averaged 6.67% for the week of 2025-07-18, compared to the national average (all USDA variants) of 6.472% for the same period.

Winston's average USDA mortgage closing costs are $5,410.

The average rate for the prior week (2025-07-11) was 6.74% and one month ago for the week of 2025-06-13, the average rate was 6.39%.

The average rate one year ago was 6.94%.

For refis of the same type during the week of 2025-07-18, the average rate was 6.56%.

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

Winston 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 Winston level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 14 6.66% $8,666
DHI MORTGAGE COMPANY, LTD. 5 4.42% $5,555
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.30% $8,467
ENVOY MORTGAGE, LTD 4 6.50% $11,227
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 6.28% $8,934
MOVEMENT MORTGAGE, LLC 4 6.66% $7,474
GUARANTEED RATE, INC. 3 6.25% $7,984
INSPIRE HOME LOANS INC. 3 5.88% $7,890
PLAZA HOME MORTGAGE, INC. 2 6.94% $3,982
Century Mortgage Company DBA Century Lending Company 2 5.81% $4,996
GUILD MORTGAGE COMPANY 2 6.18% $6,597
CMG MORTGAGE, INC. 2 6.44% $7,501
Blue Ridge Bank 2 6.38% $7,782
RADIUS FINANCIAL GROUP INC. 1 6.75% $6,961
T2 FINANCIAL LLC 1 6.63% $10,901
The Fidelity Bank 1 5.88% $8,022
Alcova Mortgage LLC 1 6.13% $7,850
UNITED WHOLESALE MORTGAGE, LLC 1 6.25% $13,111
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.38% $8,427
Barrington Bank & Trust Company, N.A. 1 6.25% $11,457
CORNERSTONE HOME LENDING, INC. 1 6.25% $12,728
CROSSCOUNTRY MORTGAGE, LLC 1 6.13% $7,795
EMM LOANS LLC 1 6.99% $10,835
EQUITY RESOURCES, INC. 1 6.62% $5,489
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.63% $6,506
Flagstar Bank, FSB 1 6.48% $6,206
HOMESIDE FINANCIAL, LLC 1 7.25% $6,675
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 8.25% $6,792
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.63% $12,229
Prosperity Home Mortgage, LLC 1 6.62% $5,713

The top Winston USDA lender as defined by loan originations is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with 14 USDA loans originated. Their average total fees are $8,666, which is $3,111 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

The lowest fee Winston USDA lenders (with over 10 loans originated) are ATLANTIC BAY MORTGAGE GROUP, L.L.C. ($8,666), .

The lowest rate Winston USDA lenders (with over 10 loans originated) are ATLANTIC BAY MORTGAGE GROUP, L.L.C. (6.66%), .