Mortgage lending in Philadelphia County
24,937 mortgages were originated in Philadelphia 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
- 24,937
- Median rate
- 6.750%
- Median lender fees
- $6,152
- Median loan amount
- $195,000
- Median spread over APOR
- 0.274
- Paid discount points
- 26.4%
- Received lender credits
- 21.6%
- Purchases / refinances
- 52.7% / 29.7%
- Conventional / FHA / VA
- 84.5% / 12.7% / 2.6%
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 58.3% 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 Philadelphia County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| POLICE & FIRE | 1,439 | — | 6.490% |
| CROSSCOUNTRY MORTGAGE, INC. | 1,411 | $7,730 | 6.625% |
| Rocket Mortgage, LLC | 1,179 | $6,013 | 6.625% |
| GUARANTEED RATE, INC. | 1,048 | $7,170 | 6.500% |
| Citizens Bank, National Association | 969 | $5,900 | 7.650% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 866 | $9,523 | 6.500% |
| PHILADELPHIA FEDERAL CREDIT UNION | 826 | — | 7.000% |
| Kiavi Funding, Inc. | 664 | — | 9.950% |
| Prosperity Home Mortgage, LLC | 619 | $7,458 | 6.495% |
| MOVEMENT MORTGAGE, LLC | 573 | $7,142 | 6.625% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Philadelphia County — not a rule of thumb.
From 14,541 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