Lowest closing cost mortgage lenders in Philadelphia County County, Pennsylvania
In Philadelphia County, Pennsylvania, homebuyers paid a median of $7,122 in closing costs in 2024 — above the Pennsylvania median of $6,553. The county saw 9,485 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, ESSA Bank & Trust offered the lowest median costs at $2,380, which is $3,767 less than the county median.
Homebuyers in Philadelphia County County who chose ESSA Bank & Trust paid $4,742 less in closing costs than the county median.
County Median Costs
$7,122
+8.7% vs Pennsylvania ($6,553)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,258
Purchase Originations
9,485
vs Pennsylvania Median
8.7% above
$569
vs National Median
5.7% above
$381
Lender rankings in Philadelphia County County
100 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,380 | 6.250% | $0 | 53 | −$3,767 | |
| 2 | $2,395 | 6.750% | $0 | 27 | −$3,752 | |
| 3 | $3,478 | 6.375% | $1,450 | 101 | −$2,669 | |
| 4 | $3,646 | 6.250% | $695 | 11 | −$2,501 | |
| 5 | $3,833 | 6.500% | $748 | 62 | −$2,314 | |
| 6 | $3,885 | 6.375% | $550 | 16 | −$2,262 | |
| 7 | $3,899 | 6.375% | $649 | 30 | −$2,248 | |
| 8 | $3,901 | 6.750% | $0 | 53 | −$2,246 | |
| 9 | $4,058 | 5.750% | $550 | 65 | −$2,089 | |
| 10 | $4,062 | 6.625% | $645 | 31 | −$2,085 | |
| 11 | $4,183 | 6.500% | $221 | 16 | −$1,964 | |
| 12 | $4,190 | 6.058% | $700 | 58 | −$1,957 | |
| 13 | $4,257 | 6.490% | $1,317 | 204 | −$1,890 | |
| 14 | $4,366 | 6.312% | $1,055 | 12 | −$1,781 | |
| 15 | $4,405 | 6.500% | $1,000 | 64 | −$1,742 | |
| 16 | $4,430 | 6.375% | $0 | 81 | −$1,717 | |
| 17 | $4,738 | 6.625% | $753 | 17 | −$1,409 | |
| 18 | $4,789 | 6.000% | $1,295 | 35 | −$1,358 | |
| 19 | $4,809 | 6.875% | $1,395 | 70 | −$1,338 | |
| 20 | $4,936 | 6.500% | $1,590 | 59 | −$1,211 | |
| 21 | $4,942 | 6.250% | $1,452 | 126 | −$1,205 | |
| 22 | $4,986 | 6.375% | $1,658 | 286 | −$1,161 | |
| 23 | $5,007 | 6.375% | $1,349 | 89 | −$1,140 | |
| 24 | $5,007 | 6.625% | $1,813 | 23 | −$1,140 | |
| 25 | $5,021 | 6.562% | $1,500 | 16 | −$1,126 | |
| 26 | $5,039 | 6.375% | $1,680 | 13 | −$1,108 | |
| 27 | $5,098 | 6.562% | $2,035 | 10 | −$1,049 | |
| 28 | $5,160 | 6.375% | $1,495 | 111 | −$987 | |
| 29 | $5,209 | 6.500% | $1,500 | 104 | −$938 | |
| 30 | $5,232 | 6.438% | $1,020 | 80 | −$915 | |
| 31 | $5,239 | 6.500% | $1,125 | 97 | −$908 | |
| 32 | $5,286 | 6.500% | $950 | 113 | −$862 | |
| 33 | $5,376 | 6.500% | $1,500 | 20 | −$771 | |
| 34 | $5,390 | 6.490% | $2,016 | 21 | −$757 | |
| 35 | $5,417 | 6.933% | $1,299 | 10 | −$730 | |
| 36 | $5,477 | 6.500% | $2,071 | 32 | −$670 | |
| 37 | $5,524 | 6.500% | $1,570 | 13 | −$623 | |
| 38 | $5,539 | 6.750% | $1,449 | 55 | −$608 | |
| 39 | $5,557 | 6.375% | $1,571 | 35 | −$590 | |
| 40 | $5,582 | 6.375% | $1,320 | 55 | −$565 | |
| 41 | $5,600 | 6.625% | $1,195 | 12 | −$547 | |
| 42 | $5,630 | 6.625% | $2,016 | 35 | −$517 | |
| 43 | $5,680 | 6.750% | $1,500 | 51 | −$467 | |
| 44 | $5,709 | 6.625% | $1,658 | 15 | −$438 | |
| 45 | $5,869 | 6.625% | $1,967 | 41 | −$278 | |
| 46 | $5,925 | 6.875% | $2,395 | 38 | −$222 | |
| 47 | $5,929 | 6.875% | $2,596 | 44 | −$218 | |
| 48 | $5,940 | 6.500% | $3,256 | 13 | −$207 | |
| 49 | $5,942 | 6.625% | $2,482 | 45 | −$205 | |
| 50 | $6,028 | 6.625% | $2,129 | 16 | −$119 | |
| 51 | $6,102 | 6.375% | $1,956 | 111 | −$45 | |
| 52 | $6,110 | 6.188% | $815 | 32 | −$37 | |
| 53 | $6,145 | 6.433% | $2,149 | 12 | −$2 | |
| 54 | $6,179 | 6.500% | $2,830 | 19 | +$32 | |
| 55 | $6,183 | 6.500% | $2,867 | 85 | +$36 | |
| 56 | $6,193 | 6.375% | $1,545 | 47 | +$46 | |
| 57 | $6,250 | 6.875% | $1,745 | 42 | +$103 | |
| 58 | $6,256 | 6.600% | $2,471 | 33 | +$109 | |
| 59 | $6,260 | 6.750% | $3,036 | 18 | +$113 | |
| 60 | $6,322 | 7.000% | $2,955 | 31 | +$175 | |
| 61 | $6,345 | 6.375% | $1,060 | 25 | +$198 | |
| 62 | $6,353 | 6.625% | $1,892 | 289 | +$206 | |
| 63 | $6,457 | 6.875% | $2,098 | 51 | +$310 | |
| 64 | $6,469 | 6.625% | $2,547 | 27 | +$322 | |
| 65 | $6,653 | 6.625% | $2,859 | 12 | +$506 | |
| 66 | $6,689 | 6.625% | $4,208 | 386 | +$542 | |
| 67 | $6,896 | 6.500% | $2,543 | 13 | +$749 | |
| 68 | $6,903 | 6.495% | $1,112 | 32 | +$756 | |
| 69 | $6,958 | 6.625% | $1,300 | 15 | +$811 | |
| 70 | $7,218 | 6.550% | $2,656 | 592 | +$1,071 | |
| 71 | $7,262 | 6.688% | $2,934 | 54 | +$1,115 | |
| 72 | $7,344 | 6.625% | $3,684 | 450 | +$1,197 | |
| 73 | $7,370 | 6.688% | $4,341 | 12 | +$1,223 | |
| 74 | $7,424 | 6.625% | $3,415 | 29 | +$1,277 | |
| 75 | $7,473 | 6.625% | $3,940 | 779 | +$1,326 | |
| 76 | $7,512 | 6.625% | $4,017 | 309 | +$1,365 | |
| 77 | $7,569 | 6.875% | $3,659 | 19 | +$1,422 | |
| 78 | $7,658 | 6.688% | $4,270 | 12 | +$1,511 | |
| 79 | $7,779 | 6.875% | $1,590 | 25 | +$1,632 | |
| 80 | $7,828 | 6.558% | $3,381 | 26 | +$1,681 | |
| 81 | $7,930 | 6.500% | $4,115 | 19 | +$1,783 | |
| 82 | $7,980 | 7.125% | $4,390 | 23 | +$1,833 | |
| 83 | $8,393 | 6.808% | $5,082 | 12 | +$2,246 | |
| 84 | $8,529 | 6.562% | $4,620 | 18 | +$2,382 | |
| 85 | $8,693 | 6.125% | $500 | 17 | +$2,546 | |
| 86 | $8,992 | 6.624% | $4,605 | 74 | +$2,845 | |
| 87 | $9,053 | 6.625% | $5,118 | 22 | +$2,906 | |
| 88 | $9,127 | 6.750% | $5,962 | 84 | +$2,980 | |
| 89 | $9,154 | 6.750% | $5,645 | 10 | +$3,007 | |
| 90 | $9,772 | 6.808% | $5,283 | 10 | +$3,625 | |
| 91 | $10,219 | 6.625% | $6,386 | 30 | +$4,072 | |
| 92 | $10,512 | 6.625% | $6,235 | 40 | +$4,365 | |
| 93 | $12,580 | 6.625% | $8,116 | 14 | +$6,433 | |
| 94 | $13,206 | 6.625% | $8,811 | 11 | +$7,059 |
Includes lenders with 10+ purchase originations in Philadelphia 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.