What people paid for mortgages in Cumberland County, PA (2025)
Across 2,583 closed home-purchase loans in 2025, the median interest rate in Cumberland was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $6,546 on a median loan of $285,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.875%
- Median total loan costs
- $6,546
- Median loan amount
- $285,000
2,583 loans, 2025.
Refinance
- Median rate
- 6.245%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $7,312
- Median loan amount
- $255,000
1,079 loans, 2025.
Lowest median rates in Cumberland (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.Manufacturers and Traders Trust Company6.188%32 loans, median costs $5,837
- 2.First National Bank of Pennsylvania6.25%99 loans, median costs $8,597
- 3.Mortgage Research Center, LLC6.25%42 loans, median costs $7,284
- 4.Navy Federal Credit Union6.25%40 loans, median costs $4,244
- 5.PENNYMAC LOAN SERVICES, LLC6.375%168 loans, median costs $8,180
Among lenders with at least 30 closed purchase loans in Cumberland County in 2025.
Refinance
- 1.MEMBERS 1ST5.625%111 loans, median costs $3,662
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%136 loans, median costs $7,920
- 3.Manufacturers and Traders Trust Company5.99%39 loans, median costs $7,684
- 4.Rocket Mortgage, LLC6.125%159 loans, median costs $8,998
- 5.FREEDOM MORTGAGE CORPORATION6.25%46 loans, median costs $7,368
Among lenders with at least 30 closed refinance loans in Cumberland County in 2025.
Lender by lender in Cumberland
Every lender that closed at least 5 qualifying loans in Cumberland 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 | PENNYMAC LOAN SERVICES, LLC | 168 | 6.375% | $8,180 | $4,046 | $3,265 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 132 | 6.5% | $7,401 | $2,708 | $1,547 |
| 3 | Broker Solutions, Inc. | 115 | 6.625% | $6,044 | $1,629 | $935 |
| 4 | Rocket Mortgage, LLC | 112 | 6.375% | $6,808 | $3,512 | $2,184 |
| 5 | GUILD MORTGAGE COMPANY | 103 | 6.625% | $6,655 | $2,177 | $3,000 |
| 6 | Fairway Independent Mortgage Corporation | 99 | 6.625% | $7,086 | $3,000 | $2,706 |
| 7 | First National Bank of Pennsylvania | 99 | 6.25% | $8,597 | $3,285 | $2,302 |
| 8 | MEMBERS 1ST | 98 | 6.75% | $4,616 | $995 | $651 |
| 9 | CROSSCOUNTRY MORTGAGE, INC. | 83 | 6.625% | $7,134 | $2,744 | $2,295 |
| 10 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 74 | 6.375% | $3,622 | $678 | $495 |
| 11 | MOVEMENT MORTGAGE, LLC | 67 | 6.562% | $7,013 | $1,895 | $2,039 |
| 12 | Fulton Bank, National Association | 57 | 6.625% | $6,105 | $1,910 | $900 |
| 13 | Foote Capital Mortgage Company | 54 | 6.5% | $6,016 | $3,053 | $2,749 |
| 14 | GUARANTEED RATE AFFINITY, LLC | 50 | 6.688% | $10,143 | $3,958 | $3,592 |
| 15 | Farmers and Merchants Trust Company of Chambersburg | 50 | 6.49% | $5,541 | $1,195 | $1,522 |
| 16 | Orrstown Bank | 45 | 6.5% | $4,514 | $1,100 | $1,188 |
| 17 | FIRST COMMUNITY MORTGAGE, INC. | 44 | 6.625% | $5,511 | $1,538 | $1,489 |
| 18 | Mortgage Research Center, LLC | 42 | 6.25% | $7,284 | $1,964 | $1,380 |
| 19 | CMG MORTGAGE, INC. | 41 | 6.625% | $6,991 | $2,158 | $1,407 |
| 20 | Navy Federal Credit Union | 40 | 6.25% | $4,244 | $0 | $3,738 |
| 21 | MDE HOME LOANS, LLC | 34 | 6.688% | $11,953 | $5,566 | $5,300 |
| 22 | FIRST ALLIANCE HOME MORTGAGE, LLC | 33 | 6.5% | $8,304 | $3,518 | $1,900 |
| 23 | Manufacturers and Traders Trust Company | 32 | 6.188% | $5,837 | $2,023 | $1,302 |
| 24 | UNION HOME MORTGAGE CORP. | 31 | 6.5% | $6,920 | $2,334 | $1,018 |
| 25 | AMERICAN PACIFIC MORTGAGE CORPORATION | 30 | 6.625% | $8,489 | $3,810 | $2,511 |
| 26 | NVR Mortgage Finance, Inc. | 29 | 7.125% | $8,894 | $4,021 | $5,806 |
| 27 | TIDEWATER MORTGAGE SERVICES, INC. | 27 | 6.625% | $5,922 | $1,514 | $699 |
| 28 | Loandepot.Com, LLC | 27 | 6.575% | $6,415 | $2,565 | $1,707 |
| 29 | TRIAD FINANCIAL SERVICES, INC. | 27 | 8.68% | n/a | n/a | n/a |
| 30 | EMM LOANS LLC | 27 | 6.625% | $7,202 | $1,872 | $2,421 |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 25 | 6.625% | $5,407 | $2,044 | $1,228 |
| 32 | HOWARD HANNA FINANCIAL SERVICES, INC. | 23 | 6.578% | $7,468 | $3,611 | $1,948 |
| 33 | Homesale Mortgage, LLC | 23 | 6.625% | $5,492 | $1,640 | $1,080 |
| 34 | NATIONS DIRECT MORTGAGE, LLC | 23 | 6.49% | $7,147 | $1,975 | $1,614 |
| 35 | ACNB Bank | 22 | 6.625% | $5,468 | $1,213 | $1,069 |
| 36 | PNC Bank, National Association | 22 | 6.375% | $5,577 | $1,398 | $676 |
| 37 | Wells Fargo Bank, National Association | 22 | 6.312% | $5,653 | $1,450 | $1,485 |
| 38 | Mid Penn Bank | 18 | 6.188% | $5,102 | $1,300 | $636 |
| 39 | JPMorgan Chase Bank, National Association | 18 | 6.375% | $4,616 | $1,673 | $1,961 |
| 40 | LINKBANK | 17 | n/a | n/a | n/a | n/a |
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.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Cumberland figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Cumberland County in 2025?
The median interest rate on closed home-purchase loans in Cumberland County, Pennsylvania in 2025 was 6.5%, across 2,583 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% 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.