Mortgage lending in Fayette County
2,394 mortgages were originated in Fayette 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
- 2,394
- Median rate
- 6.624%
- Median lender fees
- $4,264
- Median loan amount
- $95,000
- Median spread over APOR
- 0.062
- Paid discount points
- 19.5%
- Received lender credits
- 18.3%
- Purchases / refinances
- 38.8% / 31%
- Conventional / FHA / VA
- 82.6% / 9.7% / 4.9%
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 57.8% 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 Fayette County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| PNC Bank, National Association | 618 | $4,687 | 6.625% |
| SOMERSET TRUST COMPANY | 239 | — | 6.125% |
| First Federal Savings and Loan Association of Greene Co | 181 | $2,097 | 5.950% |
| Rocket Mortgage, LLC | 137 | $5,543 | 6.750% |
| First National Bank of Pennsylvania | 123 | — | 6.740% |
| FRICK FINANCIAL FEDERAL CREDIT UNION | 55 | — | 7.740% |
| United Bank | 55 | — | 7.100% |
| CFSBANK | 53 | — | — |
| PLAZA HOME MORTGAGE, INC. | 53 | $8,085 | 6.490% |
What lenders charged here
Lender fees on a $95,000 loan, based on what was actually charged in Fayette County — not a rule of thumb.
From 1,383 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