Pennsylvania USDA Loan Rates, Closing Costs & Stats

Pennsylvania

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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.

    Pennsylvania USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Pennsylvania averaged 6.73% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Pennsylvania's average USDA mortgage closing costs are $5,702.

    The average rate for the prior week (2025-03-28) was 6.79% and one month ago for the week of 2025-02-28, the average rate was 6.54%.

    The average rate one year ago was 6.7%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.68%.

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

    Pennsylvania 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 Pennsylvania level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    PLAZA HOME MORTGAGE, INC. 57 6.39% $8,324
    UNION HOME MORTGAGE CORP. 49 6.50% $7,448
    Equity Prime Mortgage LLC 49 6.47% $5,841
    CROSSCOUNTRY MORTGAGE, LLC 44 6.52% $7,668
    GUILD MORTGAGE COMPANY 36 6.16% $7,864
    EQUITY RESOURCES, INC. 32 6.25% $5,824
    Flagstar Bank, FSB 31 6.56% $5,824
    Mortgage America, Inc. 30 6.04% $6,380
    PRIMELENDING, A PLAINSCAPITAL COMPANY 29 5.95% $5,783
    UNITED WHOLESALE MORTGAGE, LLC 28 6.37% $8,167
    MOVEMENT MORTGAGE, LLC 26 6.55% $7,563
    Century Mortgage Company DBA Century Lending Company 25 6.36% $7,180
    SOMERSET TRUST COMPANY 23 5.84% $5,210
    EMM LOANS LLC 22 6.26% $7,323
    First Commonwealth Bank 20 6.49% $6,354
    ALLIED MORTGAGE GROUP, INC. 20 6.32% $9,040
    RELIANCE FIRST CAPITAL, LLC 20 6.36% $4,342
    Ixonia Bank 18 6.44% $7,486
    First Columbia Bank & Trust Co. 18 5.94% $6,232
    Summit Mortgage Corporation 17 5.92% $8,779
    TOTAL MORTGAGE SERVICES, LLC 17 6.75% $6,969
    BROKER SOLUTIONS, INC. 16 6.42% $8,719
    Jersey Shore State Bank 16 6.23% $7,303
    STOCKTON MORTGAGE CORPORATION 15 6.43% $6,393
    TIDEWATER MORTGAGE SERVICES, INC. 15 6.43% $6,229
    CMG MORTGAGE, INC. 14 6.57% $7,863
    FIRST COMMUNITY MORTGAGE, INC. 13 6.39% $7,316
    RADIUS FINANCIAL GROUP INC. 13 6.92% $6,657
    Paramount Residential Mortgage Group, Inc. 13 6.76% $6,446
    NEWREZ LLC 13 6.64% $7,115
    First National Bank of Pennsylvania 12 6.24% $5,409
    TOWNE MORTGAGE COMPANY 11 6.44% $7,010
    NORWICH COMMERCIAL GROUP, INC. 11 7.02% $6,134
    HOWARD HANNA FINANCIAL SERVICES, INC. 10 6.08% $5,937
    Union Savings Bank 10 6.11% $5,258
    Integrity Home Mortgage Corp 9 6.19% $9,621
    DIRECT MORTGAGE LOANS, LLC 9 6.87% $8,760
    Fulton Bank 8 6.38% $6,715
    Northwest Bank 8 6.22% $4,157
    AMERICAN FINANCIAL RESOURCES, INC. 8 6.41% $5,919
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 7 6.41% $7,225
    SWBC MORTGAGE CORPORATION 6 6.42% $6,257
    Alcova Mortgage LLC 6 6.65% $4,928
    CARDINAL FINANCIAL 6 6.81% $4,303
    FIRST HOME MORTGAGE CORPORATION 6 6.67% $11,389
    JMAC LENDING, INC. 6 6.17% $6,191
    Kish Bank 6 5.85% $5,787
    PLANET HOME LENDING, LLC 6 6.73% $6,836
    Sail Mortgage Corp. 6 6.52% $6,623
    WEST PENN FINANCIAL SERVICE CENTER, INC. 6 6.15% $6,132
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.45% $4,384
    Meridian Bank Corporation 5 6.20% $8,095
    MICHIGAN MUTUAL, INC. 4 6.94% $6,545
    Mortgage Research Center, LLC 4 6.63% $3,510
    GUARANTEED RATE, INC. 4 6.65% $7,303
    SOUTHPOINT FINANCIAL SERVICES, INC. 4 6.84% $2,862
    HOMESPIRE MORTGAGE CORPORATION 4 6.66% $10,528
    AFFORDABLE MORTGAGE ADVISORS, LLC. 4 6.78% $6,183
    Victorian Finance, LLC 4 6.65% $5,876
    The Loan Store, Inc. 4 6.19% $9,569
    FIRST HERITAGE FINANCIAL, LLC 4 6.40% $6,004
    EVANSVILLE TEACHERS 3 6.21% $5,380
    Residential Acceptance Corporation 3 6.67% $5,464
    BAYSHORE MORTGAGE FUNDING, LLC 3 7.04% $8,563
    M&T Bank 3 6.54% $7,718
    CONTOUR MORTGAGE CORPORATION 3 7.04% $6,980
    Magnolia Bank 3 7.08% $5,999
    Encompass Lending Group, LP 3 6.83% $9,298
    ABSOLUTE HOME MORTGAGE CORPORATION 3 6.88% $11,265
    Sierra Pacific Mortgage Company, Inc. 3 6.41% $5,964
    DEVELOPER'S MORTGAGE COMPANY 2 6.38% $4,728
    FEDERATED MORTGAGE CORP. 2 6.81% $6,967
    Homesale Mortgage, LLC 2 6.94% $5,457
    Farmers and Merchants Trust Company of Chambersburg 2 5.69% $8,636
    Univest Bank and Trust Co. 2 5.88% $6,888
    Keystone Funding, Inc. 2 6.19% $6,591
    LOANDEPOT.COM, LLC 2 7.12% $10,412
    MEMBER ADVANTAGE MORTGAGE, LLC 2 6.19% $6,763
    Northpointe Bank 2 6.06% $7,655
    PARAGON HOME LOANS INC. 2 7.13% $4,691
    V.I.P. MORTGAGE, INC. 2 6.69% $8,595
    PNC Bank 2 7.06% $4,725
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.13% $4,759
    Shore United Bank 2 6.19% $8,876
    Atlantic Coast Mortgage, LLC 2 6.43% $9,334
    T2 FINANCIAL LLC 2 6.63% $5,480
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.81% $9,997
    AMERICAN FINANCIAL NETWORK, INC. 2 6.25% $9,055
    FIRST COLONY MORTGAGE CORPORATION 2 6.50% $6,971
    Carrington Mortgage Services, LLC 1 5.50% $5,727
    HOMESTEAD FUNDING CORP. 1 6.00% $1,736
    Acre Mortgage and Financial Inc 1 7.63% $12,806
    BOND STREET MORTGAGE, LLC 1 6.25% $7,940
    East Coast Capital Corp. 1 7.63% $10,838
    BAY EQUITY LLC 1 6.87% $6,940
    MORTGAGE ACCESS CORP. 1 5.75% $11,050
    York Traditions Bank 1 6.88% $5,238
    ACNB Bank 1 5.88% $6,469
    MILLENNIUM FINANCIAL GROUP, INC. 1 6.75% $6,423
    BAY CAPITAL MORTGAGE CORPORATION 1 6.25% $9,062
    EVERETT FINANCIAL, INC. 1 6.63% $7,294
    Bank of England 1 6.50% $6,080
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.63% $11,191
    HOMESIDE FINANCIAL, LLC 1 6.38% $6,880
    INTERCOASTAL MORTGAGE COMPANY 1 6.25% $5,709
    FREEDOM MORTGAGE CORPORATION 1 7.63% $10,838
    The Huntington National Bank 1 7.50% $5,775
    HORIZON Federal Credit Union 1 6.25% $6,113
    ASSOCIATED MORTGAGE BANKERS, INC. 1 6.75% $13,779
    GUARANTEED RATE AFFINITY, LLC 1 6.63% $8,566
    Nations Lending Corporation 1 6.88% $12,991
    CHURCHILL MORTGAGE CORPORATION 1 6.50% $8,712
    NVR Mortgage Finance, Inc. 1 5.99% $18,982
    Orrstown Bank 1 6.75% $7,324
    GREENTREE MORTGAGE COMPANY, L.P. 1 5.75% $11,129
    C & F Mortgage Corporation 1 5.88% $8,746
    PATRIOT 1 6.00% $5,287
    PINNACLE MORTGAGE, INC. 1 7.49% $4,677
    Plains Commerce Bank 1 6.50% $7,329
    Truist 1 5.63% $5,848

    The top Pennsylvania USDA lender as defined by loan originations is PLAZA HOME MORTGAGE, INC., with 57 USDA loans originated. Their average total fees are $8,324, which is $876 higher than the next largest lender, UNION HOME MORTGAGE CORP..

    The lowest fee Pennsylvania USDA lenders (with over 10 loans originated) are RELIANCE FIRST CAPITAL, LLC ($4,342), SOMERSET TRUST COMPANY ($5,210), Union Savings Bank ($5,258), First National Bank of Pennsylvania ($5,409) and PRIMELENDING, A PLAINSCAPITAL COMPANY ($5,783).

    The lowest rate Pennsylvania USDA lenders (with over 10 loans originated) are SOMERSET TRUST COMPANY (5.84%), Summit Mortgage Corporation (5.92%), First Columbia Bank & Trust Co. (5.94%), PRIMELENDING, A PLAINSCAPITAL COMPANY (5.95%) and Mortgage America, Inc. (6.04%).