Mortgage lending in Cambria County
2,188 mortgages were originated in Cambria 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
- 2,188
- Median rate
- 6.500%
- Median lender fees
- $3,948
- Median loan amount
- $85,000
- Median spread over APOR
- 0.204
- Paid discount points
- 24.9%
- Received lender credits
- 15.3%
- Purchases / refinances
- 47% / 23.5%
- Conventional / FHA / VA
- 84.5% / 8.5% / 5.3%
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 61.4% 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 Cambria County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First Commonwealth Bank | 296 | $4,192 | 6.125% |
| First National Bank of Pennsylvania | 271 | — | 6.740% |
| 1st Summit Bank | 167 | $1,258 | 6.490% |
| Rocket Mortgage, LLC | 139 | $5,321 | 6.875% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 115 | $4,930 | 6.500% |
| PennCrest Bank | 102 | — | — |
| S&T Bank | 89 | — | 6.240% |
| AmeriServ Financial Bank | 89 | — | — |
| SOMERSET TRUST COMPANY | 74 | — | 5.740% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 66 | — | 6.445% |
What lenders charged here
Lender fees on a $85,000 loan, based on what was actually charged in Cambria County — not a rule of thumb.
From 1,344 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