Mortgage lending in Lancaster County
11,699 mortgages were originated in Lancaster 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
- 11,699
- Median rate
- 6.625%
- Median lender fees
- $5,870
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
- $205,000
- Above the going rate (spread over APOR)
- 0.134
- Paid discount points
- 26.8%
- Received lender credits
- 14.8%
- Purchases / refinances
- 43.5% / 28.7%
- Conventional / FHA / VA
- 89.8% / 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 55.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $350,000
- That home, 20% down
- $280,000
A median-priced home with 20% down leaves $552,750 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 Lancaster County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Members 1st | 1,216 | — | 7.000% |
| Fulton Bank, National Association | 899 | $5,570 | 6.490% |
| Guild Mortgage Company | 765 | $6,026 | 6.500% |
| The Ephrata National Bank | 659 | $6,060 | 5.500% |
| Rocket Mortgage, LLC | 627 | $6,451 | 6.625% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 458 | $10 | 6.640% |
| PNC Bank, National Association | 367 | $5,165 | 7.950% |
| Truist Bank | 355 | $4,900 | 6.490% |
| Crosscountry Mortgage, Inc. | 278 | $8,028 | 6.625% |
| Pennymac Loan Services, LLC | 270 | $7,162 | 6.500% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Lancaster County — not a rule of thumb.
From 6,543 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