Mortgage lending in Pike County
2,072 mortgages were originated in Pike 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
- 2,072
- Median rate
- 6.750%
- Median lender fees
- $6,562
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)
- 0.395
- Paid discount points
- 37.5%
- Received lender credits
- 24.8%
- Purchases / refinances
- 51% / 27.5%
- Conventional / FHA / VA
- 79% / 14.2% / 6.1%
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 69.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,209,750
- FHA limit
- $541,287
- Median home price
- $284,000
- That home, 20% down
- $227,200
A median-priced home with 20% down leaves $982,550 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. 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 Pike County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 205 | $5,836 | 6.875% |
| Guaranteed Rate, Inc. | 136 | $6,534 | 6.625% |
| Crosscountry Mortgage, Inc. | 125 | $7,360 | 6.750% |
| United Shore Financial Services, LLC | 73 | $10,942 | 6.499% |
| Citizens Bank, National Association | 71 | — | 7.650% |
| The Dime Bank | 68 | — | — |
| NBT Bank, National Association | 66 | — | 5.000% |
| Wayne Bank | 64 | — | — |
| The Honesdale National Bank | 63 | — | 6.750% |
| Heritage Financial Credit Union | 59 | — | 7.250% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Pike County — not a rule of thumb.
From 1,444 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