Homebuyers in Philadelphia County County who chose ESSA Bank & Trust paid $4,580 less in closing costs than the county median.
County Median Costs
$6,898
+6.1% vs Pennsylvania ($6,500)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,750
Purchase Originations
9,257
Denial Rate
6.1%
vs Pennsylvania avg (6.8%)
vs Pennsylvania Median
6.1% above
$398
vs National Median
3.3% above
$218
96 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,318 | 6.200% | $0 | 26 | −$3,643 | |
| 2 | $3,196 | 6.750% | $0 | 23 | −$2,766 | |
| 3 | $3,550 | 6.375% | $696 | 16 | −$2,411 | |
| 4 | $3,729 | 6.250% | $738 | 23 | −$2,232 | |
| 5 | $3,876 | 5.062% | $419 | 12 | −$2,085 | |
| 6 | $4,018 | 6.115% | $333 | 62 | −$1,943 | |
| 7 | $4,069 | 6.375% | $750 | 71 | −$1,892 | |
| 8 | $4,076 | 6.375% | $0 | 56 | −$1,885 | |
| 9 | $4,225 | 6.375% | $645 | 35 | −$1,736 | |
| 10 | $4,375 | 6.375% | $995 | 149 | −$1,586 | |
| 11 | $4,453 | 6.250% | $1,450 | 135 | −$1,508 | |
| 12 | $4,561 | 6.125% | $820 | 151 | −$1,400 | |
| 13 | $4,662 | 6.375% | $895 | 94 | −$1,299 | |
| 14 | $4,694 | 6.500% | $950 | 102 | −$1,267 | |
| 15 | $4,713 | 6.250% | $1,500 | 114 | −$1,248 | |
| 16 | $4,763 | 6.625% | $750 | 10 | −$1,198 | |
| 17 | $4,782 | 6.125% | $1,294 | 298 | −$1,179 | |
| 18 | $4,783 | 6.500% | $250 | 13 | −$1,178 | |
| 19 | $4,810 | 6.250% | $995 | 11 | −$1,151 | |
| 20 | $4,823 | 6.125% | $1,767 | 53 | −$1,138 | |
| 21 | $4,861 | 6.375% | $147 | 14 | −$1,100 | |
| 22 | $4,965 | 6.750% | $826 | 14 | −$996 | |
| 23 | $5,035 | 6.375% | $1,249 | 61 | −$926 | |
| 24 | $5,094 | 6.490% | $1,300 | 13 | −$867 | |
| 25 | $5,108 | 6.125% | $2,053 | 36 | −$853 |
Includes lenders with 10+ purchase originations in Philadelphia 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.