Mortgage lending in Philadelphia, PA
37,045 mortgages were originated in the Philadelphia, 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
- 37,045
- Median rate
- 6.740%
- Median lender fees
- $6,287
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
- $205,000
- Above the going rate (spread over APOR)
- 0.259
- Paid discount points
- 26.7%
- Received lender credits
- 21.2%
- Purchases / refinances
- 49.8% / 30.4%
- Conventional / FHA / VA
- 85% / 12.1% / 2.8%
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 58.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Philadelphia, PA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Crosscountry Mortgage, Inc. | 2,091 | $7,839 | 6.625% |
| Rocket Mortgage, LLC | 1,876 | $6,090 | 6.625% |
| Police & Fire | 1,763 | — | 6.490% |
| Citizens Bank, National Association | 1,702 | $6,355 | 7.650% |
| Guaranteed Rate, Inc. | 1,411 | $7,356 | 6.500% |
| United Shore Financial Services, LLC | 1,253 | $9,552 | 6.500% |
| Prosperity Home Mortgage, LLC | 953 | $7,199 | 6.500% |
| Philadelphia Federal Credit Union | 931 | — | 7.000% |
| Wilmington Savings Fund Society, FSB | 924 | $4,782 | 6.490% |
| Movement Mortgage, LLC | 836 | $7,350 | 6.625% |