Mortgage lending in Northumberland County
1,463 mortgages were originated in Northumberland 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
- 1,463
- Median rate
- 6.750%
- Median lender fees
- $4,835
- Median loan amount
- $105,000
- Median spread over APOR
- 0.300
- Paid discount points
- 24.1%
- Received lender credits
- 13.1%
- Purchases / refinances
- 44.8% / 24.8%
- Conventional / FHA / VA
- 80.7% / 11.8% / 5.2%
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 53.5% 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 Northumberland County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| SERVICE 1ST | 199 | $30 | 7.500% |
| Rocket Mortgage, LLC | 107 | $5,864 | 6.875% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 96 | $10 | 6.715% |
| Manufacturers and Traders Trust Company | 75 | — | 5.990% |
| Journey Bank | 73 | — | 6.500% |
| First National Bank of Pennsylvania | 62 | — | 6.745% |
| Fulton Bank, National Association | 58 | — | 6.375% |
| MC Federal Credit Union | 50 | — | — |
What lenders charged here
Lender fees on a $105,000 loan, based on what was actually charged in Northumberland County — not a rule of thumb.
From 782 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