Mortgage lender closing cost rankings in Pennsylvania (2024)
In Pennsylvania, homebuyers paid a median of $6,553 in total closing costs on purchase mortgages in 2024, which is below the national median of $6,741. The median interest rate was 6.62% across 92,591 purchase originations. The most active lender was CROSSCOUNTRY MORTGAGE, LLC with 5,838 originations. The lowest-cost lender (with 50+ loans) was Community Bank, National Association at $70.
Median Total Costs
$6,553
−2.8% vs national ($6,741)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,031
Purchase Originations
92,591
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 70,850 | 6.625% | $5,923 |
| fha | 15,036 | 6.563% | $10,136 |
| va | 5,651 | 6.375% | $7,096 |
| usda | 1,054 | 6.375% | $6,638 |
Lowest closing cost lenders in Pennsylvania
Ranked by median total loan costs among lenders with 50+ purchase originations in Pennsylvania.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $70 | 7.375% | $0 | 236 | −$6,483 | |
| 2 | $718 | 6.625% | $0 | 143 | −$5,835 | |
| 3 | $2,769 | 6.990% | $451 | 124 | −$3,784 | |
| 4 | $2,986 | 6.875% | $0 | 93 | −$3,567 | |
| 5 | $3,020 | 6.450% | $730 | 149 | −$3,533 | |
| 6 | $3,143 | 6.312% | $550 | 842 | −$3,410 | |
| 7 | $3,444 | 6.750% | $650 | 89 | −$3,109 | |
| 8 | $3,449 | 6.500% | $550 | 418 | −$3,104 | |
| 9 | $3,553 | 6.500% | $650 | 280 | −$3,000 | |
| 10 | $3,571 | 5.300% | $700 | 59 | −$2,982 | |
| 11 | $3,607 | 6.625% | $650 | 128 | −$2,946 | |
| 12 | $3,682 | 6.500% | $810 | 251 | −$2,871 | |
| 13 | $3,694 | 6.375% | $500 | 145 | −$2,859 | |
| 14 | $3,904 | 5.562% | $419 | 106 | −$2,649 | |
| 15 | $3,905 | 6.500% | $915 | 58 | −$2,648 | |
| 16 | $4,030 | 6.375% | $1,003 | 200 | −$2,523 | |
| 17 | $4,043 | 6.750% | $575 | 278 | −$2,510 | |
| 18 | $4,043 | 6.375% | $677 | 53 | −$2,510 | |
| 19 | $4,072 | 6.500% | $795 | 230 | −$2,481 | |
| 20 | $4,164 | 6.625% | $645 | 100 | −$2,389 | |
| 21 | $4,220 | 6.625% | $636 | 94 | −$2,333 | |
| 22 | $4,249 | 6.750% | $1,150 | 486 | −$2,304 | |
| 23 | $4,322 | 6.625% | $1,295 | 330 | −$2,231 | |
| 24 | $4,361 | 6.625% | $1,090 | 77 | −$2,192 | |
| 25 | $4,380 | 5.875% | $550 | 135 | −$2,173 |
Includes lenders with 50+ purchase originations in Pennsylvania. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Philadelphia County
9,485 originations
Allegheny County
9,454 originations
Montgomery County
6,858 originations
York County
4,586 originations
Bucks County
4,462 originations
Chester County
4,369 originations
Delaware County
4,363 originations
Lancaster County
3,562 originations
Berks County
3,207 originations
Lehigh County
2,953 originations
Westmoreland County
2,627 originations
Northampton County
2,339 originations
Dauphin County
2,318 originations
Cumberland County
2,307 originations
Luzerne County
2,305 originations
Erie County
1,760 originations
Butler County
1,736 originations
Washington County
1,690 originations
Monroe County
1,530 originations
Beaver County
1,425 originations
Lackawanna County
1,410 originations
Franklin County
1,317 originations
Lebanon County
1,136 originations
Schuylkill County
1,014 originations
Adams County
831 originations
Centre County
789 originations
Cambria County
718 originations
Pike County
701 originations
Fayette County
683 originations
Lycoming County
664 originations
Blair County
645 originations
Lawrence County
641 originations
Carbon County
610 originations
Mercer County
609 originations
Clearfield County
459 originations
Indiana County
453 originations
Northumberland County
437 originations
Crawford County
429 originations
Bradford County
407 originations
Columbia County
396 originations
Somerset County
377 originations
Armstrong County
364 originations
Wayne County
359 originations
Perry County
310 originations
Mifflin County
272 originations
Bedford County
240 originations
Susquehanna County
237 originations
Tioga County
236 originations
Warren County
232 originations
Venango County
232 originations
Jefferson County
223 originations
Huntingdon County
219 originations
Clinton County
204 originations
McKean County
158 originations
Elk County
157 originations
Greene County
149 originations
Wyoming County
148 originations
Union County
144 originations
Clarion County
125 originations
Montour County
123 originations
Snyder County
106 originations
See Pennsylvania closing cost details, fee benchmarks, and county comparisons → Pennsylvania Closing Costs Guide
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.