Homebuyers in Delaware County County who chose ESSA Bank & Trust paid $5,245 less in closing costs than the county median.
County Median Costs
$7,429
+14.3% vs Pennsylvania ($6,500)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,922
Purchase Originations
4,239
Denial Rate
4.9%
vs Pennsylvania avg (6.8%)
vs Pennsylvania Median
14.3% above
$929
vs National Median
11.2% above
$749
64 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,184 | 6.150% | $0 | 10 | −$4,465 | |
| 2 | $2,890 | 6.500% | $0 | 29 | −$3,759 | |
| 3 | $3,834 | 6.438% | $674 | 12 | −$2,815 | |
| 4 | $3,954 | 6.125% | $495 | 23 | −$2,696 | |
| 5 | $4,098 | 6.188% | $495 | 20 | −$2,551 | |
| 6 | $4,168 | 6.240% | $550 | 21 | −$2,481 | |
| 7 | $4,320 | 6.625% | $0 | 34 | −$2,329 | |
| 8 | $4,746 | 6.375% | $889 | 17 | −$1,903 | |
| 9 | $4,853 | 6.375% | $1,050 | 61 | −$1,796 | |
| 10 | $4,868 | 6.250% | $595 | 86 | −$1,781 | |
| 11 | $5,264 | 6.125% | $873 | 16 | −$1,385 | |
| 12 | $5,384 | 6.625% | $1,300 | 39 | −$1,265 | |
| 13 | $5,420 | 6.000% | $1,938 | 49 | −$1,230 | |
| 14 | $5,441 | 6.500% | $1,940 | 21 | −$1,208 | |
| 15 | $5,595 | 6.500% | $1,125 | 57 | −$1,054 | |
| 16 | $5,730 | 6.375% | $820 | 11 | −$919 | |
| 17 | $5,829 | 6.375% | $1,350 | 31 | −$820 | |
| 18 | $6,016 | 6.750% | $2,059 | 14 | −$633 | |
| 19 | $6,058 | 6.375% | $1,472 | 18 | −$591 | |
| 20 | $6,106 | 6.500% | $1,550 | 13 | −$543 | |
| 21 | $6,135 | 5.750% | $815 | 14 | −$514 | |
| 22 | $6,156 | 6.500% | $1,757 | 12 | −$493 | |
| 23 | $6,164 | 6.000% | $950 | 36 | −$485 | |
| 24 | $6,214 | 6.433% | $2,601 | 14 | −$435 | |
| 25 | $6,232 | 6.875% | $2,680 | 77 | −$417 |
Includes lenders with 10+ purchase originations in Delaware 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
Found your lender? Make sure their quote is fair.
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 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.