Mortgage lending in Erie County
4,891 mortgages were originated in Erie 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
- 4,891
- Median rate
- 6.625%
- Median lender fees
- $4,718
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
- $125,000
- Above the going rate (spread over APOR)
- 0.268
- Paid discount points
- 25.4%
- Received lender credits
- 19.8%
- Purchases / refinances
- 45.6% / 27.4%
- Conventional / FHA / VA
- 84.6% / 9.4% / 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 68.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $180,000
- That home, 20% down
- $144,000
A median-priced home with 20% down leaves $688,750 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 Erie County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Marquette Savings Bank | 545 | $2,863 | 6.500% |
| Erie Federal Credit Union | 398 | — | 6.500% |
| Northwest Bank | 391 | $182 | 6.250% |
| United Shore Financial Services, LLC | 352 | $7,207 | 6.500% |
| Rocket Mortgage, LLC | 321 | $5,827 | 6.875% |
| PNC Bank, National Association | 264 | $4,956 | 7.410% |
| Movement Mortgage, LLC | 185 | $6,279 | 6.750% |
| First National Bank of Pennsylvania | 176 | — | 6.490% |
| CNB Bank | 175 | $3,580 | 6.125% |
| Citizens Bank, National Association | 136 | — | 7.650% |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Erie County — not a rule of thumb.
From 3,338 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