Homebuyers in Adams County County who chose Pennsylvania State Employees Credit Union paid $3,482 less in closing costs than the county median.
County Median Costs
$6,783
+4.3% vs Pennsylvania ($6,500)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,921
Purchase Originations
984
Denial Rate
8.3%
vs Pennsylvania avg (6.8%)
vs Pennsylvania Median
4.3% above
$283
vs National Median
1.5% above
$103
21 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,301 | 6.250% | $632 | 12 | −$2,562 | |
| 2 | $4,277 | 6.500% | $250 | 14 | −$1,586 | |
| 3 | $4,450 | 6.875% | $995 | 17 | −$1,413 | |
| 4 | $4,588 | 6.500% | $1,099 | 55 | −$1,275 | |
| 5 | $4,819 | 6.625% | $1,640 | 13 | −$1,044 | |
| 6 | $4,867 | 6.500% | $1,375 | 22 | −$996 | |
| 7 | $5,244 | 6.875% | $1,695 | 16 | −$619 | |
| 8 | $5,642 | 6.625% | $1,390 | 19 | −$221 | |
| 9 | $5,774 | 6.825% | $2,164 | 55 | −$89 | |
| 10 | $5,863 | 6.688% | $2,352 | 36 | +$0 | |
| 11 | $5,952 | 6.500% | $3,468 | 28 | +$89 | |
| 12 | $6,144 | 6.625% | $2,031 | 19 | +$281 | |
| 13 | $6,337 | 6.750% | $1,945 | 10 | +$474 | |
| 14 | $6,557 | 6.562% | $2,384 | 16 | +$694 | |
| 15 | $6,978 | 6.625% | $1,999 | 17 | +$1,115 | |
| 16 | $7,090 | 6.500% | $3,550 | 10 | +$1,227 | |
| 17 | $7,566 | 7.125% | $2,300 | 10 | +$1,703 | |
| 18 | $7,738 | 6.875% | $3,920 | 19 | +$1,875 | |
| 19 | $8,150 | 6.625% | $3,812 | 21 | +$2,287 | |
| 20 | $8,503 | 6.750% | $3,460 | 19 | +$2,640 |
Includes lenders with 10+ purchase originations in Adams County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Pennsylvania → Lender Directory
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Data source: HMDA Modified Loan Application Register 2025, 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.