Mortgage lending in Delaware County
12,101 mortgages were originated in Delaware 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
- 12,101
- Median rate
- 6.625%
- Median lender fees
- $6,608
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
- $215,000
- Above the going rate (spread over APOR)
- 0.240
- Paid discount points
- 27.4%
- Received lender credits
- 20.5%
- Purchases / refinances
- 43.9% / 32%
- Conventional / FHA / VA
- 86% / 10.7% / 3.1%
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 59.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $630,200
- Median home price
- $548,000
- That home, 20% down
- $438,400
A median-priced home with 20% down leaves $394,350 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 Delaware County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Citizens Bank, National Association | 733 | $7,436 | 7.400% |
| Rocket Mortgage, LLC | 697 | $6,242 | 6.625% |
| Crosscountry Mortgage, Inc. | 680 | $8,003 | 6.625% |
| Franklin Mint | 577 | $455 | 4.990% |
| Wilmington Savings Fund Society, FSB | 412 | $4,350 | 7.000% |
| United Shore Financial Services, LLC | 387 | $9,671 | 6.375% |
| Guaranteed Rate, Inc. | 363 | $8,052 | 6.500% |
| Citadel Federal Credit Union | 337 | $86 | 3.990% |
| Prosperity Home Mortgage, LLC | 334 | $6,792 | 6.625% |
| Police & Fire | 324 | — | 6.240% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Delaware County — not a rule of thumb.
From 7,168 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