What are the average closing costs in Lancaster County County?

In Lancaster County County, the median total loan costs on purchase mortgages were $6,563 in 2024, based on 3,562 originations.

Which lender has the lowest closing costs in Lancaster County County?

Among lenders with 10+ originations in Lancaster County County, Pennsylvania State Employees Credit Union had the lowest median total closing costs at $3,493 in 2024.

How do closing costs in Lancaster County County compare to Pennsylvania?

Lancaster County County closing costs (median $6,563) are 0.1% above the Pennsylvania state median of $6,553.

Lowest closing cost mortgage lenders in Lancaster County County, Pennsylvania

In Lancaster County, Pennsylvania, homebuyers paid a median of $6,563 in closing costs in 2024 — near the Pennsylvania median of $6,553. The county saw 3,562 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Pennsylvania State Employees Credit Union offered the lowest median costs at $3,493, which is $2,538 less than the county median.

Homebuyers in Lancaster County County who chose Pennsylvania State Employees Credit Union paid $3,070 less in closing costs than the county median.

County Median Costs

$6,563

+0.1% vs Pennsylvania ($6,553)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$2,277

Purchase Originations

3,562

vs Pennsylvania Median

0.1% above

$10

vs National Median

2.6% below

$-178

Lender rankings in Lancaster County County

50 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	Pennsylvania State Employees Credit Union	$3,493	6.375%	$550	69	−$2,538
2	NAVY FEDERAL CREDIT UNION	$4,137	6.562%	$0	18	−$1,894
3	MEMBERS 1ST	$4,276	6.375%	$995	43	−$1,755
4	Farmers and Merchants Trust Company of Chambersburg	$4,744	6.875%	$895	21	−$1,287
5	Alcova Mortgage LLC	$4,879	6.875%	$1,594	30	−$1,152
6	S&T Bank	$5,031	6.750%	$1,150	13	−$1,000
7	Northwest Bank	$5,162	6.375%	$1,495	21	−$869
8	Truist Bank	$5,188	6.490%	$1,278	37	−$843
9	Traditions Bank	$5,189	6.875%	$1,540	31	−$842
10	Manufacturers and Traders Trust Company	$5,198	6.812%	$1,060	24	−$833
11	JPMorgan Chase Bank, National Association	$5,204	6.500%	$1,734	29	−$827
12	Homesale Mortgage, LLC	$5,206	7.000%	$1,640	82	−$825
13	PROVIDENT FUNDING ASSOCIATES, L.P.	$5,290	6.500%	$2,246	16	−$741
14	First National Bank of Pennsylvania	$5,327	6.625%	$1,060	45	−$704
15	SIERRA PACIFIC MORTGAGE COMPANY, INC.	$5,352	6.625%	$1,500	16	−$679
16	AMERIHOME MORTGAGE COMPANY, LLC	$5,548	6.875%	$1,634	54	−$483
17	MORTGAGE AMERICA, INC.	$5,549	6.875%	$1,349	10	−$482
18	The Huntington National Bank	$5,595	7.000%	$1,395	23	−$436
19	MOVEMENT MORTGAGE, LLC	$5,700	6.625%	$2,135	31	−$331
20	Wells Fargo Bank, National Association	$5,809	6.250%	$2,320	34	−$222
21	GUILD MORTGAGE COMPANY LLC	$5,826	6.625%	$1,747	413	−$205
22	NEWREZ LLC	$5,854	6.625%	$2,162	105	−$177
23	Univest Bank and Trust Co.	$5,854	6.875%	$1,907	34	−$177
24	HOWARD HANNA FINANCIAL SERVICES, INC.	$5,930	6.625%	$2,967	16	−$101
25	Fulton Bank, National Association	$5,934	6.625%	$2,249	251	−$97
26	PNC Bank, National Association	$6,096	6.438%	$1,914	34	+$65
27	Citizens Bank, National Association	$6,227	6.625%	$1,494	13	+$196
28	KIND LENDING, LLC	$6,265	6.933%	$2,044	20	+$234
29	GUARANTEED RATE, INC.	$6,313	6.750%	$2,441	35	+$282
30	CMG MORTGAGE, INC.	$6,443	6.625%	$2,785	43	+$412
31	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$6,499	6.625%	$2,849	111	+$468
32	Ixonia Bank	$6,564	6.500%	$3,622	11	+$532
33	Horizon Farm Credit, ACA	$6,602	6.985%	$2,891	22	+$571
34	LOANDEPOT.COM, LLC	$6,615	6.625%	$2,643	38	+$584
35	UNION HOME MORTGAGE CORP.	$6,661	6.562%	$3,020	32	+$630
36	The Ephrata National Bank	$6,761	6.750%	$2,851	127	+$730
37	NEW AMERICAN FUNDING, LLC	$6,773	6.500%	$3,349	97	+$742
38	ROCKET MORTGAGE, LLC	$6,873	6.500%	$4,364	142	+$842
39	Orrstown Bank	$6,962	6.625%	$2,212	42	+$931
40	PENNYMAC LOAN SERVICES, LLC	$7,039	6.990%	$3,320	61	+$1,008
41	MERIDIAN BANK	$7,219	6.500%	$3,456	37	+$1,188
42	UNITED WHOLESALE MORTGAGE, LLC	$7,315	6.625%	$3,720	74	+$1,284
43	CROSSCOUNTRY MORTGAGE, LLC	$7,427	6.875%	$3,898	120	+$1,396
44	GUARANTEED RATE AFFINITY, LLC	$7,577	6.875%	$4,200	27	+$1,546
45	Flagstar Bank, National Association	$7,845	6.875%	$3,990	13	+$1,814
46	EMM LOANS LLC	$7,988	6.990%	$3,816	30	+$1,957
47	Mid Penn Bank	$8,696	6.875%	$1,300	12	+$2,665
48	MDE HOME LOANS, LLC	$9,607	6.750%	$4,918	30	+$3,576

Includes lenders with 10+ purchase originations in Lancaster County County. Source: HMDA 2024. 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 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.