Pittsburgh USDA Loan Rates, Closing Costs & Stats

PITTSBURGH, 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.

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%).