Mortgage lending in Montgomery County
19,325 mortgages were originated in Montgomery 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
- 19,325
- Median rate
- 6.740%
- Median lender fees
- $6,516
- Median loan amount
- $265,000
- Median spread over APOR
- 0.165
- Paid discount points
- 25.7%
- Received lender credits
- 19.8%
- Purchases / refinances
- 42.9% / 30.4%
- Conventional / FHA / VA
- 91.4% / 5.9% / 2.5%
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 60.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $630,200
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 Montgomery County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Citizens Bank, National Association | 1,342 | $7,824 | 7.400% |
| Rocket Mortgage, LLC | 1,004 | $5,868 | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 944 | $7,909 | 6.625% |
| POLICE & FIRE | 841 | — | 6.240% |
| PNC Bank, National Association | 727 | $6,655 | 7.790% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 670 | $8,118 | 6.454% |
| TRUMARK FINANCIAL CREDIT UNION | 652 | $250 | 6.740% |
| AMERICAN HERITAGE FCU | 513 | — | 6.740% |
| GUARANTEED RATE, INC. | 481 | $7,097 | 6.550% |
| CITADEL FEDERAL CREDIT UNION | 388 | $86 | 3.990% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Montgomery County — not a rule of thumb.
From 11,722 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