Pottsville USDA Loan Rates, Closing Costs & Stats

Pottsville, 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.

Pottsville's 12 lenders originated 27 USDA loans during 2024. The total origination value was $3,805,000, with an average USDA loan value of $140,926.

Pottsville USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Pottsville averaged 0.28% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

Pottsville's average USDA mortgage closing costs are $4,960.

The average rate for the prior week (2025-06-13) was 6.78% and one month ago for the week of 2025-05-16, the average rate was 6.85%.

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 0.45%.

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

Pottsville 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 Pottsville level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Mortgage America, Inc. 8 6.06% $5,693
CROSSCOUNTRY MORTGAGE, LLC 4 6.66% $6,466
CMG MORTGAGE, INC. 2 6.56% $7,973
BAYSHORE MORTGAGE FUNDING, LLC 2 7.00% $8,748
Homesale Mortgage, LLC 1 7.13% $5,183
HOMESIDE FINANCIAL, LLC 1 6.38% $6,880
MICHIGAN MUTUAL, INC. 1 6.75% $5,310
MORTGAGE ACCESS CORP. 1 5.75% $11,050
PLAZA HOME MORTGAGE, INC. 1 7.25% $4,722
CONTOUR MORTGAGE CORPORATION 1 6.63% $6,451
East Coast Capital Corp. 1 7.63% $10,838
FREEDOM MORTGAGE CORPORATION 1 7.63% $10,838

The top Pottsville USDA lender as defined by loan originations is Mortgage America, Inc., with 8 USDA loans originated. Their average total fees are $5,693, which is $773 lower than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

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

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