Pittsburgh USDA Loan Rates, Closing Costs & Stats

PITTSBURGH, PA

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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.

    Pittsburgh's 50 lenders originated 296 USDA loans during 2024. The total origination value was $44,250,000, with an average USDA loan value of $149,493.

    Pittsburgh USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Pittsburgh averaged 0.39% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

    Pittsburgh's average USDA mortgage closing costs are $5,360.

    The average rate for the prior week (2025-06-13) was 6.89% and one month ago for the week of 2025-05-16, the average rate was 6.65%.

    The average rate one year ago was 7.07%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.02%.

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

    Pittsburgh 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 Pittsburgh level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    PLAZA HOME MORTGAGE, INC. 39 6.47% $8,327
    EQUITY RESOURCES, INC. 24 6.25% $5,799
    MOVEMENT MORTGAGE, LLC 20 6.53% $7,674
    RELIANCE FIRST CAPITAL, LLC 18 6.37% $4,412
    UNION HOME MORTGAGE CORP. 16 6.63% $7,236
    STOCKTON MORTGAGE CORPORATION 15 6.43% $6,393
    UNITED WHOLESALE MORTGAGE, LLC 13 6.34% $7,437
    Paramount Residential Mortgage Group, Inc. 9 6.72% $6,215
    Flagstar Bank, FSB 8 6.72% $5,376
    TOWNE MORTGAGE COMPANY 7 6.52% $6,631
    HOWARD HANNA FINANCIAL SERVICES, INC. 7 6.16% $6,160
    SOMERSET TRUST COMPANY 6 5.79% $5,427
    TOTAL MORTGAGE SERVICES, LLC 6 7.00% $6,524
    SWBC MORTGAGE CORPORATION 6 6.42% $6,257
    WEST PENN FINANCIAL SERVICE CENTER, INC. 6 6.15% $6,132
    CROSSCOUNTRY MORTGAGE, LLC 5 6.55% $6,871
    Sail Mortgage Corp. 5 6.48% $6,721
    First Commonwealth Bank 5 6.63% $6,184
    Union Savings Bank 5 5.83% $5,818
    NORWICH COMMERCIAL GROUP, INC. 4 7.13% $7,310
    The Loan Store, Inc. 4 6.19% $9,569
    Victorian Finance, LLC 4 6.65% $5,876
    Equity Prime Mortgage LLC 3 5.92% $5,981
    EVANSVILLE TEACHERS 3 6.21% $5,380
    NEWREZ LLC 3 6.42% $6,613
    PLANET HOME LENDING, LLC 3 6.91% $6,635
    AFFORDABLE MORTGAGE ADVISORS, LLC. 3 6.75% $6,367
    JMAC LENDING, INC. 2 6.25% $5,295
    FEDERATED MORTGAGE CORP. 2 6.81% $6,967
    MEMBER ADVANTAGE MORTGAGE, LLC 2 6.19% $6,763
    FIRST COMMUNITY MORTGAGE, INC. 2 6.56% $5,926
    DEVELOPER'S MORTGAGE COMPANY 2 6.38% $4,728
    MICHIGAN MUTUAL, INC. 2 6.75% $6,835
    Residential Acceptance Corporation 1 6.50% $3,913
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.99% $7,319
    HOMESTEAD FUNDING CORP. 1 6.00% $1,736
    The Huntington National Bank 1 7.50% $5,775
    FIRST HERITAGE FINANCIAL, LLC 1 6.49% $4,695
    TIDEWATER MORTGAGE SERVICES, INC. 1 6.63% $5,825
    AMERICAN FINANCIAL NETWORK, INC. 1 6.25% $4,766
    FIRST COLONY MORTGAGE CORPORATION 1 6.75% $5,704
    ALLIED MORTGAGE GROUP, INC. 1 6.50% $8,025
    Mortgage Research Center, LLC 1 6.50% $1,982
    Carrington Mortgage Services, LLC 1 5.50% $5,727
    Univest Bank and Trust Co. 1 5.63% $5,936
    BROKER SOLUTIONS, INC. 1 6.13% $7,527
    Plains Commerce Bank 1 6.50% $7,329
    Bank of England 1 6.50% $6,080
    PNC Bank 1 6.63% $4,706
    ASSOCIATED MORTGAGE BANKERS, INC. 1 6.75% $13,779

    The top Pittsburgh USDA lender as defined by loan originations is PLAZA HOME MORTGAGE, INC., with 39 USDA loans originated. Their average total fees are $8,327, which is $2,528 higher than the next largest lender, EQUITY RESOURCES, INC..

    The lowest fee Pittsburgh USDA lenders (with over 10 loans originated) are RELIANCE FIRST CAPITAL, LLC ($4,412), EQUITY RESOURCES, INC. ($5,799), STOCKTON MORTGAGE CORPORATION ($6,393), UNION HOME MORTGAGE CORP. ($7,236) and UNITED WHOLESALE MORTGAGE, LLC ($7,437).

    The lowest rate Pittsburgh USDA lenders (with over 10 loans originated) are EQUITY RESOURCES, INC. (6.25%), UNITED WHOLESALE MORTGAGE, LLC (6.34%), RELIANCE FIRST CAPITAL, LLC (6.37%), STOCKTON MORTGAGE CORPORATION (6.43%) and PLAZA HOME MORTGAGE, INC. (6.47%).