Mortgage lending in Dauphin County
6,555 mortgages were originated in Dauphin 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
- 6,555
- Median rate
- 6.640%
- Median lender fees
- $5,365
- Median loan amount
- $165,000
- Median spread over APOR
- 0.219
- Paid discount points
- 27.1%
- Received lender credits
- 17.1%
- Purchases / refinances
- 45.8% / 29.2%
- Conventional / FHA / VA
- 83.6% / 10% / 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 61.6% 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 Dauphin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| MEMBERS 1ST | 809 | — | 6.750% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 650 | $9 | 6.500% |
| Rocket Mortgage, LLC | 390 | $5,644 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 257 | $8,407 | 6.624% |
| CROSSCOUNTRY MORTGAGE, INC. | 195 | $6,991 | 6.750% |
| PENNYMAC LOAN SERVICES, LLC | 181 | $7,237 | 6.250% |
| GUILD MORTGAGE COMPANY | 176 | $6,226 | 6.563% |
| Fulton Bank, National Association | 174 | $4,596 | 6.490% |
| First National Bank of Pennsylvania | 171 | $4,631 | 6.490% |
| Citizens Bank, National Association | 157 | — | 7.900% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Dauphin County — not a rule of thumb.
From 4,036 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