Mortgage lending in Centre County
2,647 mortgages were originated in Centre 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
- 2,647
- Median rate
- 6.500%
- Median lender fees
- $5,148
- Median loan amount
- $205,000
- Median spread over APOR
- 0.070
- Paid discount points
- 20.6%
- Received lender credits
- 21.4%
- Purchases / refinances
- 46.5% / 26.4%
- Conventional / FHA / VA
- 90.5% / 4.5% / 4.4%
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 57.5% 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 Centre County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Kish Bank | 221 | $5,144 | 6.624% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 184 | $20 | 6.508% |
| Citizens Bank, National Association | 156 | — | 7.150% |
| First National Bank of Pennsylvania | 154 | — | 6.490% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 151 | $5,240 | 6.423% |
| Fairway Independent Mortgage Corporation | 127 | $5,959 | 6.500% |
| Rocket Mortgage, LLC | 109 | $5,308 | 6.750% |
| Northwest Bank | 104 | $167 | 6.250% |
| Jersey Shore State Bank | 100 | — | 5.490% |
| PENN STATE | 87 | — | — |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Centre County — not a rule of thumb.
From 1,521 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