Harrisburg USDA Loan Rates, Closing Costs & Stats

HARRISBURG-CARLISLE, 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.

Harrisburg's 21 lenders originated 34 USDA loans during 2024. The total origination value was $6,710,000, with an average USDA loan value of $197,353.

Harrisburg USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Harrisburg averaged 0.4% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

Harrisburg's average USDA mortgage closing costs are $5,772.

The average rate for the prior week (2025-06-13) was 6.5% and one month ago for the week of 2025-05-16, the average rate was 6.47%.

The average rate one year ago was 6.69%.

For refis of the same type during the week of 2025-06-20, the average rate was -0.2%.

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

Harrisburg 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 Harrisburg level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
GUILD MORTGAGE COMPANY 4 6.09% $6,925
Mortgage America, Inc. 3 5.54% $7,001
BROKER SOLUTIONS, INC. 3 6.50% $7,069
Flagstar Bank, FSB 2 6.19% $3,749
CROSSCOUNTRY MORTGAGE, LLC 2 6.75% $7,042
LOANDEPOT.COM, LLC 2 7.12% $10,412
UNITED WHOLESALE MORTGAGE, LLC 2 6.15% $6,887
RADIUS FINANCIAL GROUP INC. 2 6.69% $6,142
PLAZA HOME MORTGAGE, INC. 1 6.50% $10,885
Sierra Pacific Mortgage Company, Inc. 1 6.50% $6,209
TIDEWATER MORTGAGE SERVICES, INC. 1 6.63% $5,747
UNION HOME MORTGAGE CORP. 1 7.13% $14,193
ABSOLUTE HOME MORTGAGE CORPORATION 1 7.63% $7,406
Univest Bank and Trust Co. 1 6.13% $7,840
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.00% $6,699
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.00% $13,340
Century Mortgage Company DBA Century Lending Company 1 6.63% $11,202
CMG MORTGAGE, INC. 1 6.75% $6,838
EMM LOANS LLC 1 6.50% $6,241
Equity Prime Mortgage LLC 1 7.38% $10,805
HOMESPIRE MORTGAGE CORPORATION 1 6.63% $7,027

The top Harrisburg USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 4 USDA loans originated. Their average total fees are $6,925, which is $75 lower than the next largest lender, Mortgage America, Inc..

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

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