Chambersburg USDA Loan Rates, Closing Costs & Stats

CHAMBERSBURG-WAYNESBORO, PA

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.

Chambersburg's 21 lenders originated 69 USDA loans during 2024. The total origination value was $15,685,000, with an average USDA loan value of $227,319.

Chambersburg USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Chambersburg averaged 0.04% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

Chambersburg's average USDA mortgage closing costs are $6,229.

The average rate for the prior week (2025-06-13) was 6.74% and one month ago for the week of 2025-05-16, the average rate was 6.4%.

The average rate one year ago was 6.92%.

For refis of the same type during the week of 2025-06-20, the average rate was 0.32%.

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

Chambersburg 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 Chambersburg level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
GUILD MORTGAGE COMPANY 16 5.91% $8,793
CROSSCOUNTRY MORTGAGE, LLC 8 6.31% $7,643
DIRECT MORTGAGE LOANS, LLC 7 6.66% $9,179
Integrity Home Mortgage Corp 6 6.23% $9,021
BROKER SOLUTIONS, INC. 5 6.38% $8,185
UNION HOME MORTGAGE CORP. 4 6.47% $8,950
UNITED WHOLESALE MORTGAGE, LLC 2 6.44% $6,913
Farmers and Merchants Trust Company of Chambersburg 2 5.69% $8,636
FIRST HOME MORTGAGE CORPORATION 2 6.69% $9,375
HOMESPIRE MORTGAGE CORPORATION 2 6.69% $11,856
ACNB Bank 1 5.88% $6,469
EMM LOANS LLC 1 6.25% $7,930
MILLENNIUM FINANCIAL GROUP, INC. 1 6.75% $6,423
NVR Mortgage Finance, Inc. 1 5.99% $18,982
PATRIOT 1 6.00% $5,287
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.63% $9,517
Shore United Bank 1 6.50% $8,593
TIDEWATER MORTGAGE SERVICES, INC. 1 6.50% $7,361
Truist 1 5.63% $5,848
Atlantic Coast Mortgage, LLC 1 6.88% $7,625
Encompass Lending Group, LP 1 6.75% $8,575

The top Chambersburg USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 16 USDA loans originated. Their average total fees are $8,793, which is $1,150 higher than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

The lowest fee Chambersburg USDA lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY ($8,793), .

The lowest rate Chambersburg USDA lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY (5.91%), .