Homebuyers in Cumberland County County who chose Pennsylvania State Employees Credit Union paid $2,942 less in closing costs than the county median.
County Median Costs
$6,564
+1.0% vs Pennsylvania ($6,500)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,024
Purchase Originations
2,438
Denial Rate
6.8%
vs Pennsylvania avg (6.8%)
vs Pennsylvania Median
1.0% above
$64
vs National Median
1.7% below
$-116
41 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,622 | 6.375% | $678 | 74 | −$2,395 | |
| 2 | $4,336 | 6.500% | $0 | 22 | −$1,681 | |
| 3 | $4,458 | 6.500% | $1,100 | 38 | −$1,559 | |
| 4 | $4,512 | 6.750% | $995 | 77 | −$1,505 | |
| 5 | $4,616 | 6.375% | $1,673 | 18 | −$1,401 | |
| 6 | $4,839 | 6.500% | $1,150 | 13 | −$1,178 | |
| 7 | $4,842 | 6.750% | $1,213 | 17 | −$1,175 | |
| 8 | $4,878 | 6.500% | $1,300 | 15 | −$1,138 | |
| 9 | $5,134 | 6.625% | $1,588 | 35 | −$883 | |
| 10 | $5,384 | 6.870% | $2,166 | 14 | −$633 | |
| 11 | $5,407 | 6.625% | $1,965 | 24 | −$610 | |
| 12 | $5,416 | 6.375% | $1,463 | 20 | −$601 | |
| 13 | $5,492 | 6.490% | $1,195 | 47 | −$525 | |
| 14 | $5,504 | 6.615% | $2,148 | 14 | −$513 | |
| 15 | $5,510 | 6.250% | $2,112 | 29 | −$507 | |
| 16 | $5,582 | 6.625% | $1,629 | 87 | −$435 | |
| 17 | $5,653 | 6.312% | $1,450 | 20 | −$364 | |
| 18 | $5,720 | 6.625% | $2,765 | 22 | −$297 | |
| 19 | $5,723 | 6.750% | $1,514 | 21 | −$294 | |
| 20 | $5,815 | 6.500% | $2,935 | 48 | −$202 | |
| 21 | $5,855 | 6.625% | $1,999 | 52 | −$162 | |
| 22 | $5,893 | 7.000% | $1,020 | 11 | −$124 | |
| 23 | $5,921 | 6.500% | $1,790 | 10 | −$96 | |
| 24 | $5,975 | 6.625% | $2,372 | 81 | −$42 | |
| 25 | $5,997 | 6.750% | $1,798 | 18 | −$20 |
Includes lenders with 10+ purchase originations in Cumberland 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.