Mortgage lending in Dauphin County
6,555 mortgages were originated in Dauphin 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
- 6,555
- Median rate
- 6.640%
- Median lender fees
- $5,365
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
- $165,000
- Above the going rate (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
- 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 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, 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