Mortgage lending in York County
12,502 mortgages were originated in York 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
- 12,502
- Median rate
- 6.625%
- Median lender fees
- $5,718
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
- $175,000
- Above the going rate (spread over APOR)
- 0.200
- Paid discount points
- 29.7%
- Received lender credits
- 18.4%
- Purchases / refinances
- 45.7% / 30%
- Conventional / FHA / VA
- 80.9% / 12.1% / 6.4%
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 63.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $279,000
- That home, 20% down
- $223,200
A median-priced home with 20% down leaves $609,550 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 York County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Members 1st | 1,417 | — | 6.875% |
| ACNB Bank | 681 | $5,065 | 6.750% |
| Rocket Mortgage, LLC | 662 | $5,737 | 6.625% |
| Manufacturers and Traders Trust Company | 607 | $5,767 | 5.990% |
| Crosscountry Mortgage, Inc. | 477 | $7,344 | 6.625% |
| Fulton Bank, National Association | 413 | $4,643 | 6.490% |
| CMG Mortgage, Inc. | 364 | $7,326 | 6.625% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 324 | $11 | 6.640% |
| FIRST CAPITAL Federal Credit Union | 312 | $1,112 | 5.990% |
| United Shore Financial Services, LLC | 295 | $8,755 | 6.125% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in York County — not a rule of thumb.
From 7,898 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