Mortgage lending in Altoona, PA
2,183 mortgages were originated in the Altoona, PA area in 2025, and here is what they cost.
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
- 2,183
- Median rate
- 6.500%
- Median lender fees
- $4,625
- Median loan amount
- $115,000
- Median spread over APOR
- 0.297
- Paid discount points
- 25.8%
- Received lender credits
- 14.9%
- Purchases / refinances
- 46.4% / 27.7%
- Conventional / FHA / VA
- 80.9% / 12.3% / 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 52.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Altoona, PA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First Commonwealth Bank | 169 | $3,500 | 6.500% |
| RELIANCE SAVINGS BANK | 155 | — | — |
| First National Bank of Pennsylvania | 135 | — | 6.500% |
| Altoona First Savings Bank | 116 | — | — |
| Rocket Mortgage, LLC | 112 | $5,026 | 6.750% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 99 | $15 | 6.640% |
| Manufacturers and Traders Trust Company | 98 | — | 5.990% |
| ARC Federal Credit Union | 96 | — | — |
| Citizens Bank, National Association | 96 | — | 7.450% |
| EQUITY RESOURCES, INC. | 67 | $4,783 | 6.490% |