Pennsylvania · Q1 2026
What Pennsylvania borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 675 lenders.
Published 2026-04-29.
Pennsylvania · headline
The gap between Pennsylvania's lowest- and highest-cost ranked lenders in 2025 was $3,052 on a typical loan — borrowers using United Wholesale Mortgage paid roughly 61% more than borrowers using PNC Bank, N.A. on similar loans.
Source: FFIEC HMDA 2025 (n=141,367)
In 2025, 675 mortgage lenders originated 141,367 reportable loans in Pennsylvania according to FFIEC HMDA data. The median borrower paid $6,473 in total loan costs. That is 52.6% above the national median across all 50 states and DC.
Pennsylvania's median total loan cost was $6,473, 52.6% above the national median of $4,242. On a typical loan, that translates to roughly $2,231 more than borrowers paid in the average state.
PNC Bank, N.A. posted the lowest median total loan costs at $5,015, 22.5% below the Pennsylvania median. Across the ranked lenders, 4 earned an A grade against peer averages and 6 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Pennsylvania are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,816 | $3,350 | 16,061 | A |
| 2 | United Wholesale Mortgage | $8,067 | $3,995 | 8,019 | D |
| 3 | CrossCountry Mortgage | $7,714 | $2,990 | 7,530 | D |
| 4 | Pennymac | $6,721 | $2,299 | 4,322 | C |
| 5 | Movement Mortgage | $6,757 | $1,903 | 3,521 | C |
| 6 | Guild Mortgage | $6,287 | $1,927 | 3,132 | B |
| 7 | Mortgage Research Center, LLC | $5,200 | $2,562 | 2,643 | A |
| 8 | Guaranteed Rate | $7,199 | $1,790 | 2,474 | C |
| 9 | PNC Bank, N.A. | $5,015 | $1,413 | 2,221 | A |
| 10 | Prosperity Home Mortgage, LLC | $7,195 | $2,356 | 2,154 | C |
Pennsylvania median total loan cost
Pennsylvania borrowers paid a median $6,473 in total loan costs in 2025, based on 141,367 HMDA-reported loans across 675 lenders.
FFIEC HMDA 2025
Lender spread in Pennsylvania
In Pennsylvania, the gap between PNC Bank, N.A. ($5,015 median) and United Wholesale Mortgage ($8,067 median) was $3,052 on a typical 2025 loan.
FFIEC HMDA 2025
Pennsylvania vs. national
Pennsylvania closing costs ran 52.6% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Pennsylvania was $2,186, with the typical lender clustering tightly around that figure. Discount points appeared on 52% of loans, with a median paid amount of $1,874 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 33% of loans, with a median credit of $374.
Avg $3,701
Median $1,874 when present
Median $374 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Pennsylvania) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Pennsylvania
Take this further
Our consumer audits use the same HMDA-backed lender data that powers this report, plus state-level fee benchmarks. Catch inflated charges before you sign.
Fair Loan Check · from $19
Upload a Loan Estimate. We compare every fee against state benchmarks and the lender’s HMDA-reported medians.
Audit your Loan Estimate →Fair Closing Check · from $29
Upload your Closing Disclosure. We flag inflated and junk fees line-by-line and draft a negotiation email back to the lender.
Audit your Closing Disclosure →