Mortgage lending in Chester County
13,202 mortgages were originated in Chester 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
- 13,202
- Median rate
- 6.624%
- Median lender fees
- $6,669
- Median loan amount
- $305,000
- Median spread over APOR
- 0.147
- Paid discount points
- 25%
- Received lender credits
- 22%
- Purchases / refinances
- 43% / 30.9%
- Conventional / FHA / VA
- 93.1% / 4.2% / 2.6%
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 60.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $630,200
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 Chester County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CITADEL FEDERAL CREDIT UNION | 1,096 | $86 | 3.990% |
| Citizens Bank, National Association | 805 | $7,392 | 7.400% |
| Rocket Mortgage, LLC | 618 | $5,640 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 565 | $7,993 | 6.125% |
| CROSSCOUNTRY MORTGAGE, INC. | 546 | $7,676 | 6.750% |
| PNC Bank, National Association | 419 | — | 7.790% |
| Wilmington Savings Fund Society, FSB | 333 | $5,534 | 7.250% |
| GUARANTEED RATE, INC. | 313 | $7,351 | 6.563% |
| TRUMARK FINANCIAL CREDIT UNION | 302 | $4,304 | 6.740% |
| TD Bank, National Association | 282 | $4,372 | 7.290% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Chester County — not a rule of thumb.
From 7,954 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