Mortgage lending in Reading, PA

9,495 mortgages were originated in the Reading, PA area in 2025, and here is what they cost.

Loans originated

9,495

Median rate

6.625%

Median lender fees

$5,874

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)

0.314

Paid discount points

28.7%

Received lender credits

17.7%

Purchases / refinances

43.9% / 30.1%

Conventional / FHA / VA

83.6% / 12.6% / 3.4%

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 60.7% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Reading, PA area, ranked by volume.