What people paid for mortgages in Lancaster County, PA (2025)
Across 4,227 closed home-purchase loans in 2025, the median interest rate in Lancaster was 6.525%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $6,499 on a median loan of $295,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.525%
- Middle half of rates
- 6.125%–6.875%
- Median total loan costs
- $6,499
- Median loan amount
- $295,000
4,227 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.765%
- Median total loan costs
- $7,630
- Median loan amount
- $235,000
1,791 loans, 2025.
Lowest median rates in Lancaster (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.NVR Mortgage Finance, Inc.6.058%44 loans, median costs $5,479
- 2.First National Bank of Pennsylvania6.25%50 loans, median costs $6,954
- 3.Rocket Mortgage, LLC6.375%219 loans, median costs $7,300
- 4.The Ephrata National Bank6.375%171 loans, median costs $5,773
- 5.EMM LOANS LLC6.375%57 loans, median costs $9,105
Among lenders with at least 30 closed purchase loans in Lancaster County in 2025.
Refinance
- 1.The Ephrata National Bank4.99%63 loans, median costs $5,939
- 2.MEMBERS 1ST5.74%51 loans, median costs $3,779
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.75%108 loans, median costs $10,335
- 4.PENNYMAC LOAN SERVICES, LLC5.99%74 loans, median costs $8,601
- 5.Manufacturers and Traders Trust Company5.99%48 loans, median costs $6,950
Among lenders with at least 30 closed refinance loans in Lancaster County in 2025.
Lender by lender in Lancaster
Every lender that closed at least 5 qualifying loans in Lancaster 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 | GUILD MORTGAGE COMPANY | 634 | 6.5% | $6,133 | $1,922 | $2,006 |
| 2 | Fulton Bank, National Association | 274 | 6.5% | $6,421 | $2,055 | $1,609 |
| 3 | CROSSCOUNTRY MORTGAGE, INC. | 229 | 6.625% | $8,133 | $3,131 | $2,651 |
| 4 | Rocket Mortgage, LLC | 219 | 6.375% | $7,300 | $4,096 | $2,736 |
| 5 | The Ephrata National Bank | 171 | 6.375% | $5,773 | $995 | $2,668 |
| 6 | PENNYMAC LOAN SERVICES, LLC | 143 | 6.624% | $7,798 | $2,449 | $2,175 |
| 7 | Broker Solutions, Inc. | 127 | 6.5% | $8,009 | $3,803 | $3,699 |
| 8 | Fairway Independent Mortgage Corporation | 114 | 6.75% | $7,170 | $2,640 | $2,708 |
| 9 | Homesale Mortgage, LLC | 108 | 6.688% | $5,307 | $1,640 | $961 |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 104 | 6.5% | $7,242 | $2,397 | $1,554 |
| 11 | MEMBERS 1ST | 92 | 6.625% | $4,808 | $995 | $1,125 |
| 12 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 72 | 6.5% | $3,742 | $678 | $833 |
| 13 | Loandepot.Com, LLC | 65 | 6.625% | $7,842 | $2,437 | $3,219 |
| 14 | EMM LOANS LLC | 57 | 6.375% | $9,105 | $4,244 | $3,190 |
| 15 | Truist Bank | 55 | 6.375% | $5,486 | $1,466 | $584 |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 52 | 6.625% | $5,560 | $1,195 | $3,510 |
| 17 | First National Bank of Pennsylvania | 50 | 6.25% | $6,954 | $1,829 | $4,331 |
| 18 | Univest Bank and Trust Co. | 48 | 6.812% | $6,362 | $1,993 | $1,603 |
| 19 | Mortgage Research Center, LLC | 46 | 6.375% | $7,061 | $1,993 | $1,927 |
| 20 | CMG MORTGAGE, INC. | 44 | 6.625% | $7,872 | $2,852 | $1,729 |
| 21 | NVR Mortgage Finance, Inc. | 44 | 6.058% | $5,479 | $2,040 | $10,688 |
| 22 | Alcova Mortgage LLC | 44 | 6.75% | $5,508 | $1,794 | $287 |
| 23 | PNC Bank, National Association | 43 | 6.5% | $5,321 | $1,303 | $625 |
| 24 | Orrstown Bank | 41 | 6.375% | $5,904 | $1,100 | $10,591 |
| 25 | MDE HOME LOANS, LLC | 40 | 6.75% | $11,868 | $5,436 | $5,200 |
| 26 | 21st Mortgage Corporation | 40 | 11.005% | n/a | n/a | n/a |
| 27 | GUARANTEED RATE AFFINITY, LLC | 36 | 6.575% | $7,639 | $2,996 | $2,053 |
| 28 | TRIAD FINANCIAL SERVICES, INC. | 35 | 8.72% | n/a | n/a | n/a |
| 29 | NEWREZ LLC | 33 | 6.875% | $6,011 | $1,630 | $805 |
| 30 | AMERICAN PACIFIC MORTGAGE CORPORATION | 33 | 6.625% | $10,911 | $5,768 | $4,704 |
| 31 | MERIDIAN BANK | 33 | 6.49% | $5,976 | $1,526 | $1,440 |
| 32 | MOVEMENT MORTGAGE, LLC | 31 | 6.5% | $6,514 | $1,695 | $2,093 |
| 33 | JPMorgan Chase Bank, National Association | 31 | 6.49% | $4,816 | $1,680 | $969 |
| 34 | Wells Fargo Bank, National Association | 31 | 6.5% | $5,307 | $1,760 | $959 |
| 35 | Sierra Pacific Mortgage Company, Inc. | 30 | 6.562% | $9,083 | $3,133 | $2,508 |
| 36 | GUARANTEED RATE, INC. | 30 | 6.588% | $7,105 | $1,640 | $1,634 |
| 37 | HOWARD HANNA FINANCIAL SERVICES, INC. | 29 | 6.5% | $5,854 | $2,275 | $1,528 |
| 38 | Navy Federal Credit Union | 28 | 6.25% | $4,597 | $0 | $5,210 |
| 39 | Farmers and Merchants Trust Company of Chambersburg | 26 | 6.433% | $6,916 | $1,468 | $95 |
| 40 | Bank of Bird-in-Hand | 26 | 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 Lancaster figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Lancaster County in 2025?
The median interest rate on closed home-purchase loans in Lancaster County, Pennsylvania in 2025 was 6.525%, across 4,227 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.