What people paid for mortgages in Philadelphia County, PA (2025)
Across 9,903 closed home-purchase loans in 2025, the median interest rate in Philadelphia was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $6,897 on a median loan of $275,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.75%
- Median total loan costs
- $6,897
- Median loan amount
- $275,000
9,903 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.875%
- Median total loan costs
- $6,654
- Median loan amount
- $195,000
3,082 loans, 2025.
Lowest median rates in Philadelphia (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.CITADEL FEDERAL CREDIT UNION6%97 loans, median costs $5,772
- 2.Wilmington Savings Fund Society, FSB6.125%329 loans, median costs $5,118
- 3.OceanFirst Bank, National Association6.125%159 loans, median costs $4,601
- 4.FIRST HERITAGE FINANCIAL, LLC6.125%98 loans, median costs $7,347
- 5.AMERICAN HERITAGE FCU6.24%70 loans, median costs $4,042
Among lenders with at least 30 closed purchase loans in Philadelphia County in 2025.
Refinance
- 1.PNC Bank, National Association0.25%82 loans, median costs $6,197
- 2.PHILADELPHIA FEDERAL CREDIT UNION5.875%30 loans, median costs $3,369
- 3.PENNYMAC LOAN SERVICES, LLC5.99%128 loans, median costs $6,820
- 4.Prosperity Home Mortgage, LLC5.995%36 loans, median costs $9,311
- 5.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%270 loans, median costs $10,368
Among lenders with at least 30 closed refinance loans in Philadelphia County in 2025.
Lender by lender in Philadelphia
Every lender that closed at least 5 qualifying loans in Philadelphia 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 | CROSSCOUNTRY MORTGAGE, INC. | 1,083 | 6.575% | $7,836 | $2,700 | $2,993 |
| 2 | GUARANTEED RATE, INC. | 857 | 6.49% | $7,252 | $1,640 | $2,020 |
| 3 | Rocket Mortgage, LLC | 493 | 6.5% | $6,656 | $3,660 | $2,137 |
| 4 | Prosperity Home Mortgage, LLC | 479 | 6.375% | $8,098 | $1,575 | $2,175 |
| 5 | MOVEMENT MORTGAGE, LLC | 369 | 6.625% | $7,250 | $1,695 | $1,920 |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 342 | 6.5% | $8,959 | $3,849 | $2,430 |
| 7 | Wilmington Savings Fund Society, FSB | 329 | 6.125% | $5,118 | $1,103 | $2,040 |
| 8 | First Citizens Community Bank | 214 | 6.25% | $5,797 | $1,500 | $1,656 |
| 9 | Quaint Oak Mortgage, LLC | 195 | 6.5% | $6,564 | $1,495 | $1,102 |
| 10 | CMG MORTGAGE, INC. | 189 | 6.375% | $8,026 | $1,670 | $1,521 |
| 11 | JPMorgan Chase Bank, National Association | 163 | 6.375% | $4,750 | $666 | $2,066 |
| 12 | OceanFirst Bank, National Association | 159 | 6.125% | $4,601 | $820 | n/a |
| 13 | ABSOLUTE HOME MORTGAGE CORPORATION | 144 | 6.625% | $12,663 | $5,510 | $3,712 |
| 14 | Wells Fargo Bank, National Association | 137 | 6.25% | $4,550 | $1,450 | $1,222 |
| 15 | MERIDIAN BANK | 135 | 6.375% | $6,258 | $1,500 | $810 |
| 16 | Univest Bank and Trust Co. | 133 | 6.25% | $6,564 | $1,220 | $2,573 |
| 17 | ALLIED MORTGAGE GROUP, INC. | 120 | 6.625% | $9,936 | $1,500 | $2,455 |
| 18 | Mortgage Research Center, LLC | 112 | 6.5% | $5,139 | $0 | $599 |
| 19 | Bank of America, National Association | 112 | 6.25% | $5,234 | $1,547 | $2,443 |
| 20 | TD Bank, National Association | 109 | 6.5% | $4,694 | $950 | $1,009 |
| 21 | Philadelphia Mortgage Advisors, Inc. | 105 | 6.375% | $5,815 | $1,495 | $2,304 |
| 22 | MortgageCountry, LLC | 102 | 6.25% | $4,818 | $895 | $719 |
| 23 | Citizens Bank, National Association | 102 | 6.375% | $6,723 | $2,110 | $1,968 |
| 24 | FIRST HERITAGE FINANCIAL, LLC | 98 | 6.125% | $7,347 | $1,295 | $2,389 |
| 25 | PENNYMAC LOAN SERVICES, LLC | 98 | 6.49% | $8,310 | $2,143 | $2,099 |
| 26 | CITADEL FEDERAL CREDIT UNION | 97 | 6% | $5,772 | $1,574 | $1,852 |
| 27 | Customers Bank | 94 | 6.375% | $4,210 | $795 | $788 |
| 28 | The Federal Savings Bank | 87 | 6.625% | $7,891 | $1,698 | $1,011 |
| 29 | Firstrust Savings Bank | 82 | 6.5% | $5,503 | $1,605 | $714 |
| 30 | Fulton Bank, National Association | 79 | 6.5% | $6,616 | $1,755 | $1,923 |
| 31 | LENDING CAPITAL GROUP Inc | 78 | 6.625% | $5,801 | $1,490 | $2,203 |
| 32 | Navy Federal Credit Union | 75 | 6.25% | $4,181 | $0 | $788 |
| 33 | Mortgage America, Inc. | 74 | 6.375% | $5,705 | $1,299 | $3,200 |
| 34 | Broker Solutions, Inc. | 74 | 6.75% | $6,288 | $2,010 | $2,194 |
| 35 | Acre Mortgage & Financial, Inc. | 73 | 6.625% | $9,008 | $2,505 | $1,707 |
| 36 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 72 | 6.5% | $7,839 | $1,550 | $2,250 |
| 37 | AMERICAN HERITAGE FCU | 70 | 6.24% | $4,042 | $455 | $174 |
| 38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 69 | 6.625% | $8,978 | $3,669 | $2,105 |
| 39 | PROVIDENT FUNDING ASSOCIATES, L.P. | 68 | 6.375% | $5,365 | $1,125 | $1,380 |
| 40 | KEYSTONE FUNDING, INC. | 66 | 6.433% | $9,154 | $5,085 | $1,453 |
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 Philadelphia figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Philadelphia County in 2025?
The median interest rate on closed home-purchase loans in Philadelphia County, Pennsylvania in 2025 was 6.5%, across 9,903 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.75%.
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.