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

Across 1,471 closed home-purchase loans in 2025, the median interest rate in Lackawanna was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $6,418 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $6,418
Median loan amount: $225,000

1,471 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.75%–6.75%
Median total loan costs: $7,043
Median loan amount: $165,000

662 loans, 2025.

Lowest median rates in Lackawanna (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.NBT Bank, National Association6%40 loans, median costs $4,965
2.Peoples Security Bank and Trust Company6.188%30 loans, median costs $5,980
3.Mortgage Research Center, LLC6.25%48 loans, median costs $4,696
4.Rocket Mortgage, LLC6.49%115 loans, median costs $7,051
5.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.5%43 loans, median costs $8,283

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

Refinance

1.NBT Bank, National Association3.49%47 loans, median costs $4,202
2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%39 loans, median costs $11,983
3.Rocket Mortgage, LLC6.375%113 loans, median costs $7,317

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

Lender by lender in Lackawanna

Every lender that closed at least 5 qualifying loans in Lackawanna 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	Ixonia Bank	156	6.625%	$6,800	$1,725	$1,691
2	Rocket Mortgage, LLC	115	6.49%	$7,051	$1,764	$1,673
3	The Fidelity Deposit and Discount Bank	103	6.625%	$5,940	$1,176	$1,370
4	GUILD MORTGAGE COMPANY	88	6.75%	$6,460	$1,922	$2,575
5	CROSSCOUNTRY MORTGAGE, INC.	77	6.75%	$8,142	$3,405	$2,314
6	PENNYMAC LOAN SERVICES, LLC	58	6.561%	$6,610	$1,361	$863
7	PS Bank	50	n/a	n/a	n/a	n/a
8	Mortgage Research Center, LLC	48	6.25%	$4,696	$0	$785
9	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	43	6.5%	$8,283	$2,221	$1,588
10	NBT Bank, National Association	40	6%	$4,965	$1,550	$800
11	Community Bank, National Association	36	7%	$53	$0	n/a
12	KIND LENDING, LLC	33	6.625%	$9,310	$2,734	$1,377
13	Peoples Security Bank and Trust Company	30	6.188%	$5,980	$1,178	n/a
14	The Honesdale National Bank	28	6.5%	$6,370	$870	n/a
15	First National Bank of Pennsylvania	28	6.5%	$5,883	$1,325	$1,011
16	SWBC MORTGAGE CORPORATION	24	6.625%	$5,359	$1,500	$2,504
17	ARK-LA-TEX FINANCIAL SERVICES, LLC.	20	6.495%	$7,645	$2,704	$2,171
18	Navy Federal Credit Union	18	6%	$3,654	$0	n/a
19	NET	18	6.75%	$6,611	$2,994	n/a
20	JPMorgan Chase Bank, National Association	18	6.49%	$5,121	$1,482	$1,185
21	KEYSTONE FUNDING, INC.	17	6.625%	$7,172	$2,680	$1,461
22	PNC Bank, National Association	17	6.375%	$5,524	$1,818	$968
23	Broker Solutions, Inc.	15	6.875%	$6,345	$2,131	$3,745
24	NEWREZ LLC	14	6.375%	$6,982	$1,135	$1,232
25	Wells Fargo Bank, National Association	14	6.438%	$6,489	$2,662	$1,633
26	GUARANTEED RATE, INC.	12	6.312%	$6,328	$1,790	$4,021
27	Summit Mortgage Corporation	10	6.125%	$7,088	$1,760	$563
28	Wayne Bank	10	n/a	n/a	n/a	n/a
29	FIRST HERITAGE FINANCIAL, LLC	9	6.525%	$6,010	$2,183	$1,383
30	PENTAGON FEDERAL CREDIT UNION	9	6.5%	$5,824	$1,995	$881
31	The Dime Bank	9	n/a	n/a	n/a	n/a
32	PENNSYLVANIA STATE EMPLOYEES Credit Union	9	6.375%	$3,549	$715	$358
33	FIRST COMMUNITY MORTGAGE, INC.	9	6.625%	$5,063	$98	$2,411
34	AMERICAN FINANCIAL RESOURCES, INC.	8	6.812%	$6,843	$558	$899
35	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	7	6.75%	$6,633	$1,267	$260
36	Manufacturers and Traders Trust Company	7	5.875%	$5,806	$1,895	$626
37	Click n' Close, Inc.	6	6.312%	$16,897	$7,123	$970
38	UNITED MORTGAGE CORP.	6	6.562%	$10,838	$4,951	$3,093
39	AMERANT MORTGAGE, LLC	6	6.688%	$9,164	$5,460	$2,101
40	ABSOLUTE HOME MORTGAGE CORPORATION	6	6.75%	$8,115	$2,731	$1,473

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 Lackawanna figures above, in your browser, without storing anything.

Common questions

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

The median interest rate on closed home-purchase loans in Lackawanna County, Pennsylvania in 2025 was 6.625%, across 1,471 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% 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.