Mortgage lending in Berks County
9,491 mortgages were originated in Berks County, Pennsylvania, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 9,491
- Median rate
- 6.625%
- Median lender fees
- $5,874
- Median loan amount
- $175,000
- Median spread over APOR
- 0.313
- Paid discount points
- 28.7%
- Received lender credits
- 17.7%
- Purchases / refinances
- 44% / 30.1%
- Conventional / FHA / VA
- 83.6% / 12.6% / 3.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 60.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Berks County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Diamond Credit Union | 536 | $288 | 6.235% |
| Rocket Mortgage, LLC | 528 | $5,495 | 6.875% |
| CROSSCOUNTRY MORTGAGE, INC. | 407 | $8,462 | 6.625% |
| Mortgage America, Inc. | 375 | $6,620 | 6.625% |
| Citizens Bank, National Association | 363 | — | 7.650% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 291 | $9,891 | 6.500% |
| CMG MORTGAGE, INC. | 280 | $8,672 | 6.625% |
| Fulton Bank, National Association | 272 | $5,121 | 6.490% |
| MEMBERS 1ST | 262 | — | 6.625% |
| RIVERFRONT FEDERAL CREDIT UNION | 260 | $271 | 5.550% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Berks County — not a rule of thumb.
From 5,762 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers