Mortgage lending in York-Hanover, PA
12,502 mortgages were originated in the York-Hanover, 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
- 12,502
- Median rate
- 6.625%
- Median lender fees
- $5,718
- Median loan amount
- $175,000
- Median spread over APOR
- 0.200
- Paid discount points
- 29.7%
- Received lender credits
- 18.4%
- Purchases / refinances
- 45.7% / 30%
- Conventional / FHA / VA
- 80.9% / 12.1% / 6.4%
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 63.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the York-Hanover, PA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| MEMBERS 1ST | 1,417 | — | 6.875% |
| ACNB Bank | 681 | $5,065 | 6.750% |
| Rocket Mortgage, LLC | 662 | $5,737 | 6.625% |
| Manufacturers and Traders Trust Company | 607 | $5,767 | 5.990% |
| CROSSCOUNTRY MORTGAGE, INC. | 477 | $7,344 | 6.625% |
| Fulton Bank, National Association | 413 | $4,643 | 6.490% |
| CMG MORTGAGE, INC. | 364 | $7,326 | 6.625% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 324 | $11 | 6.640% |
| FIRST CAPITAL Federal Credit Union | 312 | $1,112 | 5.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 295 | $8,755 | 6.125% |