Mortgage lending in Montgomery County-Bucks County-Chester County, PA
46,912 mortgages were originated in the Montgomery County-Bucks County-Chester County, 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
- 46,912
- Median rate
- 6.625%
- Median lender fees
- $6,504
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
- $275,000
- Above the going rate (spread over APOR)
- 0.167
- Paid discount points
- 25.3%
- Received lender credits
- 20%
- Purchases / refinances
- 41.9% / 31.2%
- Conventional / FHA / VA
- 91.5% / 5.7% / 2.7%
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 60.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Montgomery County-Bucks County-Chester County, PA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Citizens Bank, National Association | 3,020 | $7,399 | 7.400% |
| Rocket Mortgage, LLC | 2,475 | $5,787 | 6.750% |
| Police & Fire | 2,042 | — | 6.240% |
| Crosscountry Mortgage, Inc. | 1,977 | $7,840 | 6.688% |
| United Shore Financial Services, LLC | 1,723 | $8,479 | 6.125% |
| Citadel Federal Credit Union | 1,566 | $86 | 3.990% |
| PNC Bank, National Association | 1,563 | $6,367 | 7.790% |
| Trumark Financial Credit Union | 1,457 | $250 | 6.740% |
| American Heritage FCU | 1,189 | — | 6.740% |
| Guaranteed Rate, Inc. | 1,037 | $7,214 | 6.550% |