First Commonwealth Bank
4,663 mortgages originated in 2025 across 2 states, and what they cost borrowers.
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
- 4,663
- Median rate
- 6.125%
- Median lender fees
- $3,627
- Median loan amount
- $105,000
- Median spread over APOR
- -0.091
- Paid discount points
- 16.4%
- Received lender credits
- 27.9%
- Purchases / refinances
- 30.6% / 26.6%
- Conventional / FHA / VA
- 95.3% / 3.1% / 0.7%
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 55.1% of loans here — see methodology.
Where First Commonwealth Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Pennsylvania | 3,223 | $314 | 5.990% |
| Ohio | 1,386 | $4,135 | 6.125% |