York USDA Loan Rates, Closing Costs & Stats
YORK-HANOVER, 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.
York's 19 lenders originated 43 USDA loans during 2024. The total origination value was $9,585,000, with an average USDA loan value of $222,907.
York USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in York
averaged
0.18%
for the week of 2025-07-04, compared to the national average (all USDA variants) of
0% for the same period.
York's average USDA mortgage closing costs are $5,944.
The average rate for the prior week (2025-06-27) was
6.62% and
one month ago for the week of 2025-05-30, the
average rate was 6.6%.
The average rate one year ago was 6.7%.
For refis of the same type during the week of 2025-07-04, the average rate
was 0.44%.
York 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 York level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| MOVEMENT MORTGAGE, LLC | 5 | 6.60% | $7,096 |
| Fulton Bank | 4 | 6.41% | $6,878 |
| Alcova Mortgage LLC | 3 | 6.25% | $5,490 |
| CROSSCOUNTRY MORTGAGE, LLC | 3 | 6.08% | $8,930 |
| BROKER SOLUTIONS, INC. | 3 | 6.41% | $10,029 |
| GUILD MORTGAGE COMPANY | 2 | 6.50% | $9,577 |
| UNITED WHOLESALE MORTGAGE, LLC | 2 | 6.94% | $7,721 |
| CMG MORTGAGE, INC. | 2 | 6.94% | $7,090 |
| EMM LOANS LLC | 2 | 6.56% | $7,937 |
| Equity Prime Mortgage LLC | 2 | 6.56% | $8,631 |
| FIRST HOME MORTGAGE CORPORATION | 2 | 6.38% | $14,902 |
| Meridian Bank Corporation | 2 | 6.00% | $9,334 |
| Sierra Pacific Mortgage Company, Inc. | 2 | 6.37% | $5,842 |
| GUARANTEED RATE AFFINITY, LLC | 1 | 6.63% | $8,566 |
| M&T Bank | 1 | 6.13% | $7,890 |
| RADIUS FINANCIAL GROUP INC. | 1 | 7.25% | $6,044 |
| Shore United Bank | 1 | 5.88% | $9,158 |
| Integrity Home Mortgage Corp | 1 | 5.63% | $8,471 |
| Atlantic Coast Mortgage, LLC | 1 | 5.99% | $11,044 |
The top York USDA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with
5 USDA loans originated. Their average total fees are
$7,096, which is $219
higher than the next largest lender,
Fulton Bank.
The lowest fee York USDA lenders (with over 10 loans originated) are
.
The lowest rate York USDA lenders (with over 10 loans originated) are
.