Mortgage lending in Westmoreland County
8,236 mortgages were originated in Westmoreland 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
- 8,236
- Median rate
- 6.625%
- Median lender fees
- $4,911
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
- $135,000
- Above the going rate (spread over APOR)
- 0.221
- Paid discount points
- 26%
- Received lender credits
- 17.4%
- Purchases / refinances
- 42.2% / 28.2%
- Conventional / FHA / VA
- 84.3% / 10.1% / 4.7%
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 61.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $332,000
- That home, 20% down
- $265,600
A median-priced home with 20% down leaves $567,150 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 Westmoreland County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| PNC Bank, National Association | 864 | $4,821 | 7.790% |
| Dollar Bank, Federal Savings Bank | 582 | — | 6.690% |
| Rocket Mortgage, LLC | 553 | $5,538 | 6.500% |
| S&T Bank | 512 | $4,272 | 3.990% |
| First Commonwealth Bank | 508 | — | 5.990% |
| First National Bank of Pennsylvania | 423 | — | 6.490% |
| Citizens Bank, National Association | 402 | — | 7.650% |
| Somerset Trust Company | 250 | — | 6.125% |
| United Shore Financial Services, LLC | 236 | $6,873 | 6.500% |
| Union Home Mortgage Corp. | 229 | $8,538 | 6.625% |
What lenders charged here
Lender fees on a $135,000 loan, based on what was actually charged in Westmoreland County — not a rule of thumb.
From 5,034 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