Johnstown USDA Loan Rates, Closing Costs & Stats

JOHNSTOWN, 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.

Johnstown's 17 lenders originated 48 USDA loans during 2024. The total origination value was $5,230,000, with an average USDA loan value of $108,958.

Johnstown USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Johnstown averaged 0.38% for the week of 2025-07-04, compared to the national average (all USDA variants) of 0% for the same period.

Johnstown's average USDA mortgage closing costs are $4,781.

The average rate for the prior week (2025-06-27) was 6.52% and one month ago for the week of 2025-05-30, the average rate was 6.7%.

The average rate one year ago was 7%.

For refis of the same type during the week of 2025-07-04, the average rate was 0.2%.

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

Johnstown 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 Johnstown level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
PRIMELENDING, A PLAINSCAPITAL COMPANY 10 5.99% $5,181
Flagstar Bank, FSB 7 6.70% $5,851
SOMERSET TRUST COMPANY 7 5.63% $4,932
First Commonwealth Bank 4 6.47% $6,288
UNION HOME MORTGAGE CORP. 2 6.13% $5,385
BROKER SOLUTIONS, INC. 2 7.00% $6,376
First National Bank of Pennsylvania 2 6.06% $5,880
NORWICH COMMERCIAL GROUP, INC. 2 7.25% $5,719
PLAZA HOME MORTGAGE, INC. 2 6.19% $7,616
RADIUS FINANCIAL GROUP INC. 2 6.88% $7,747
Magnolia Bank 1 7.50% $5,518
BAY EQUITY LLC 1 6.87% $6,940
CMG MORTGAGE, INC. 1 7.38% $4,624
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.63% $5,372
FIRST COMMUNITY MORTGAGE, INC. 1 7.00% $5,000
CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $4,782
EQUITY RESOURCES, INC. 1 6.38% $4,995

The top Johnstown USDA lender as defined by loan originations is PRIMELENDING, A PLAINSCAPITAL COMPANY, with 10 USDA loans originated. Their average total fees are $5,181, which is $670 lower than the next largest lender, Flagstar Bank, FSB.

The lowest fee Johnstown USDA lenders (with over 10 loans originated) are PRIMELENDING, A PLAINSCAPITAL COMPANY ($5,181), .

The lowest rate Johnstown USDA lenders (with over 10 loans originated) are PRIMELENDING, A PLAINSCAPITAL COMPANY (5.99%), .