Pennsylvania USDA Loan Rates, Closing Costs & Stats
Pennsylvania
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
6.74%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Pennsylvania's average USDA mortgage closing costs are $5,702.
The average rate for the prior week (2025-05-16) was
6.67% and
one month ago for the week of 2025-04-18, the
average rate was 6.46%.
The average rate one year ago was 7.02%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.78%.
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.
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%).