Mortgage lending in Cumberland County
6,526 mortgages were originated in Cumberland County, Pennsylvania, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,526
- Median rate
- 6.625%
- Median lender fees
- $5,783
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $205,000
- Above the going rate (spread over APOR)
- 0.124
- Paid discount points
- 27.9%
- Received lender credits
- 19%
- Purchases / refinances
- 45.7% / 27.5%
- Conventional / FHA / VA
- 86.9% / 6.9% / 5.9%
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 62.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $323,000
- That home, 20% down
- $258,400
A median-priced home with 20% down leaves $574,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Cumberland County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Members 1st | 1,144 | — | 6.750% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 406 | $10 | 6.640% |
| Rocket Mortgage, LLC | 355 | $6,358 | 6.500% |
| United Shore Financial Services, LLC | 294 | $7,587 | 6.375% |
| Pennymac Loan Services, LLC | 237 | $7,771 | 6.375% |
| First National Bank of Pennsylvania | 222 | $6,694 | 6.383% |
| Orrstown Bank | 174 | $4,407 | 6.000% |
| Citizens Bank, National Association | 150 | — | 7.650% |
| Broker Solutions, Inc. | 144 | $6,590 | 6.625% |
| Fairway Independent Mortgage Corporation | 133 | $7,134 | 6.625% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Cumberland County — not a rule of thumb.
From 4,104 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers