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

Across 1,958 closed home-purchase loans in 2025, the median interest rate in Washington was 6.5%, and the middle half of borrowers got between 6.125% and 6.79%. Median total loan costs ran $6,221 on a median loan of $245,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.79%
Median total loan costs: $6,221
Median loan amount: $245,000

1,958 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.75%–6.999%
Median total loan costs: $6,662
Median loan amount: $175,000

902 loans, 2025.

Lowest median rates in Washington (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.First Federal Savings and Loan Association of Greene Co6%36 loans, median costs $4,026
2.HOMESTEAD FUNDING CORP.6.312%36 loans, median costs $4,151
3.PNC Bank, National Association6.375%137 loans, median costs $4,601
4.VICTORIAN FINANCE, LLC6.375%79 loans, median costs $8,645
5.GUARANTEED RATE AFFINITY, LLC6.375%60 loans, median costs $7,939

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.764%70 loans, median costs $6,807
2.Rocket Mortgage, LLC6.25%103 loans, median costs $7,443
3.PNC Bank, National Association7.375%116 loans, median costs $4,364
4.Citizens Bank, National Association7.4%65 loans, median costs $4,780

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

Lender by lender in Washington

Every lender that closed at least 5 qualifying loans in Washington 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	NVR Mortgage Finance, Inc.	144	6.5%	$6,000	$2,741	$6,456
2	PNC Bank, National Association	137	6.375%	$4,601	$1,350	$420
3	Rocket Mortgage, LLC	114	6.49%	$5,760	$2,061	$1,270
4	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	94	6.492%	$6,567	$1,801	$1,582
5	MOVEMENT MORTGAGE, LLC	81	6.625%	$6,113	$1,695	$888
6	EQUITY RESOURCES, INC.	80	6.49%	$6,128	$1,778	$1,507
7	VICTORIAN FINANCE, LLC	79	6.375%	$8,645	$4,529	$3,938
8	CROSSCOUNTRY MORTGAGE, INC.	68	6.575%	$7,034	$2,489	$2,023
9	HOWARD HANNA FINANCIAL SERVICES, INC.	65	6.625%	$5,856	$2,275	$698
10	GUARANTEED RATE AFFINITY, LLC	60	6.375%	$7,939	$1,640	$2,110
11	STOCKTON MORTGAGE CORPORATION	49	6.625%	$7,221	$2,667	$2,129
12	Washington Financial Bank	45	n/a	n/a	n/a	n/a
13	Slovenian Savings and Loan Association of Canonsburg	44	n/a	n/a	n/a	n/a
14	UNION HOME MORTGAGE CORP.	40	6.5%	$9,074	$4,531	$2,349
15	First Federal Savings and Loan Association of Greene Co	36	6%	$4,026	$482	n/a
16	HOMESTEAD FUNDING CORP.	36	6.312%	$4,151	$0	$184
17	WEST PENN FINANCIAL SERVICE CENTER, INC.	35	6.5%	$5,277	$1,455	$800
18	Union Savings Bank	35	6.375%	$5,420	$500	$3,508
19	AFFORDABLE MORTGAGE ADVISORS, LLC.	28	6.625%	$5,882	$1,550	$695
20	RMC HOME MORTGAGE, LLC	28	6.625%	$8,472	$2,739	$3,213
21	TRIAD FINANCIAL SERVICES, INC.	27	8%	n/a	n/a	n/a
22	Citizens Bank, National Association	26	6.625%	$6,376	$1,350	$844
23	Fairway Independent Mortgage Corporation	25	6.875%	$7,616	$2,189	$2,162
24	First National Bank of Pennsylvania	25	6.5%	$7,028	$1,545	$1,004
25	Mortgage Research Center, LLC	24	6.5%	$4,441	$0	$682
26	The Huntington National Bank	23	6.375%	$6,290	$1,920	$1,788
27	Dollar Bank, Federal Savings Bank	23	6.5%	$4,799	$975	$1,604
28	21st Mortgage Corporation	23	10.02%	$6,902	$4,500	n/a
29	Wells Fargo Bank, National Association	23	6.25%	$6,063	$2,536	$966
30	PLAZA HOME MORTGAGE, INC.broker only	21	6.5%	$7,187	$1,741	$830
31	EMM LOANS LLC	15	6.375%	$6,724	$1,798	$2,274
32	Navy Federal Credit Union	14	6%	$4,905	$0	$2,948
33	JPMorgan Chase Bank, National Association	14	6.25%	$3,807	$500	$1,805
34	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	13	6.75%	$8,077	$3,466	$1,648
35	First Commonwealth Bank	13	6.625%	$5,826	$1,822	$835
36	CFSBANK	12	n/a	n/a	n/a	n/a
37	PENNYMAC LOAN SERVICES, LLC	12	6.437%	$7,077	$1,685	$1,295
38	FEDERATED MORTGAGE CORP.	11	6.49%	$4,495	$1,350	$847
39	BAY EQUITY LLC	11	6.375%	$6,335	$2,159	$800
40	Bank of America, National Association	11	5.625%	$6,915	$1,854	$653

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

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

Common questions

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

The median interest rate on closed home-purchase loans in Washington County, Pennsylvania in 2025 was 6.5%, across 1,958 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.79%.

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.