What people paid for mortgages in Cambria County, PA (2025)

Across 884 closed home-purchase loans in 2025, the median interest rate in Cambria was 6.5%, and the middle half of borrowers got between 6.24% and 6.875%. Median total loan costs ran $4,658 on a median loan of $135,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.24%–6.875%
Median total loan costs: $4,658
Median loan amount: $135,000

884 loans, 2025.

Refinance

Median rate: 6.49%
Middle half of rates: 5.99%–6.95%
Median total loan costs: $4,421
Median loan amount: $105,000

338 loans, 2025.

Lowest median rates in Cambria (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.1st Summit Bank6.49%69 loans, median costs $2,844
2.First Commonwealth Bank6.5%105 loans, median costs $4,714
3.PRIMELENDING, A PLAINSCAPITAL COMPANY6.5%91 loans, median costs $5,356
4.First National Bank of Pennsylvania6.5%65 loans, median costs $4,083
5.Mortgage Research Center, LLC6.5%39 loans, median costs $2,915

Among lenders with at least 30 closed purchase loans in Cambria County in 2025.

Refinance

1.First Commonwealth Bank5.99%47 loans, median costs $0
2.Rocket Mortgage, LLC6.312%46 loans, median costs $5,933
3.First National Bank of Pennsylvania6.74%34 loans, median costs $0

Among lenders with at least 30 closed refinance loans in Cambria County in 2025.

Lender by lender in Cambria

Every lender that closed at least 5 qualifying loans in Cambria County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	First Commonwealth Bank	105	6.5%	$4,714	$1,583	$404
2	PRIMELENDING, A PLAINSCAPITAL COMPANY	91	6.5%	$5,356	$1,500	$1,070
3	1st Summit Bank	69	6.49%	$2,844	$0	n/a
4	Rocket Mortgage, LLC	68	6.875%	$4,845	$1,742	$1,452
5	First National Bank of Pennsylvania	65	6.5%	$4,083	$1,310	$204
6	Slovenian Savings & Loan Association of Franklin-Conemaugh	41	n/a	n/a	n/a	n/a
7	Mortgage Research Center, LLC	39	6.5%	$2,915	$0	$773
8	PennCrest Bank	38	n/a	n/a	n/a	n/a
9	Paramount Residential Mortgage Group, Inc.	21	6.625%	$5,978	$1,899	$1,031
10	SOMERSET TRUST COMPANY	19	6.125%	$3,719	$1,003	n/a
11	AmeriServ Financial Bank	18	n/a	n/a	n/a	n/a
12	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	16	6.437%	$5,666	$1,808	$1,312
13	Northwest Bank	16	6.625%	$4,058	$1,295	$466
14	Flagstar Bank, N.A.	15	6.5%	$5,471	$1,780	$915
15	TOTAL MORTGAGE SERVICES, LLC	14	6.933%	$6,184	$2,168	$3,217
16	S&T Bank	14	6.625%	$3,172	$500	n/a
17	PENNSYLVANIA STATE EMPLOYEES Credit Union	12	6.5%	$2,652	$678	$575
18	CNB Bank	11	6.125%	$3,316	$810	n/a
19	RADIUS FINANCIAL GROUP INC.	10	7.062%	$6,773	$2,933	$1,514
20	CROSSCOUNTRY MORTGAGE, INC.	10	6.87%	$6,531	$2,310	$1,750
21	RELIANCE SAVINGS BANK	9	n/a	n/a	n/a	n/a
22	AMERIHOME MORTGAGE COMPANY, LLC	9	6.5%	$5,259	$2,722	$2,081
23	Broker Solutions, Inc.	8	7.062%	$7,029	$3,647	$2,260
24	EQUITY RESOURCES, INC.	8	6.562%	$4,543	$1,441	$112
25	UNION HOME MORTGAGE CORP.	7	6.5%	$5,359	$1,723	$746
26	Jersey Shore State Bank	7	6.5%	$4,275	$1,500	n/a
27	Wells Fargo Bank, National Association	7	6.25%	$5,457	$1,833	$945
28	InFirst Bank	6	6.625%	$3,520	$400	n/a
29	BoxCar Mortgage, LLC	5	6.75%	n/a	$1,790	$2,114
30	Manufacturers and Traders Trust Company	5	7.125%	$4,140	$1,310	$276

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Cambria figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Cambria County in 2025?

The median interest rate on closed home-purchase loans in Cambria County, Pennsylvania in 2025 was 6.5%, across 884 first-lien, owner-occupied loans. The middle half of borrowers got between 6.24% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.