Mortgage lending in Mercer County
2,005 mortgages were originated in Mercer 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
- 2,005
- Median rate
- 6.625%
- Median lender fees
- $4,875
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
- $115,000
- Above the going rate (spread over APOR)
- 0.354
- Paid discount points
- 24.6%
- Received lender credits
- 17.6%
- Purchases / refinances
- 43.3% / 27.3%
- Conventional / FHA / VA
- 81.9% / 11.6% / 5.8%
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 60.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $135,000
- That home, 20% down
- $108,000
A median-priced home with 20% down leaves $724,750 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 Mercer County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First National Bank of Pennsylvania | 281 | — | 6.540% |
| Greenville Savings Bank | 196 | — | — |
| The Huntington National Bank | 135 | — | 7.840% |
| Ixonia Bank | 131 | $6,275 | 6.750% |
| Rocket Mortgage, LLC | 106 | $5,788 | 6.625% |
| Grove City Area Federal Credit Union | 96 | $527 | 5.740% |
| PNC Bank, National Association | 95 | — | 7.180% |
| Mercer County State Bank | 67 | — | — |
| United Shore Financial Services, LLC | 60 | $7,363 | 6.374% |
What lenders charged here
Lender fees on a $115,000 loan, based on what was actually charged in Mercer County — not a rule of thumb.
From 1,212 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