Mortgage lending in Chambersburg, PA
3,891 mortgages were originated in the Chambersburg, PA area in 2025, and here is what they cost.
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
- 3,891
- Median rate
- 6.490%
- Median lender fees
- $5,766
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
- $185,000
- Above the going rate (spread over APOR)
- 0.114
- Paid discount points
- 31.7%
- Received lender credits
- 17.1%
- Purchases / refinances
- 47.4% / 28.6%
- Conventional / FHA / VA
- 76.7% / 12.1% / 9.4%
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 61.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Chambersburg, PA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Patriot | 417 | $99 | 4.990% |
| Farmers and Merchants Trust Company of Chambersburg | 295 | $5,075 | 6.125% |
| Manufacturers and Traders Trust Company | 234 | — | 5.990% |
| Rocket Mortgage, LLC | 194 | $6,104 | 6.625% |
| Orrstown Bank | 185 | — | 4.350% |
| Guild Mortgage Company | 140 | $6,137 | 6.500% |
| Integrity Home Mortgage Corporation | 124 | $8,670 | 6.500% |
| United Shore Financial Services, LLC | 119 | $9,568 | 6.100% |
| Crosscountry Mortgage, Inc. | 109 | $7,343 | 6.625% |
| Members 1st | 108 | — | 6.625% |