Homebuyers in Tioga County County who chose FIRST HERITAGE FEDERAL CREDIT UNION paid $1,816 less in closing costs than the county median.
County Median Costs
$4,893
−24.7% vs Pennsylvania ($6,500)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,500
Purchase Originations
225
Denial Rate
11.2%
vs Pennsylvania avg (6.8%)
vs Pennsylvania Median
24.7% below
$-1,607
vs National Median
26.8% below
$-1,787
5 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,077 | 6.375% | $400 | 25 | −$1,439 | |
| 2 | $4,643 | 6.562% | $1,495 | 48 | +$127 | |
| 3 | $4,823 | 6.938% | $905 | 12 | +$307 | |
| 4 | $8,109 | 6.875% | $4,568 | 10 | +$3,593 |
Includes lenders with 10+ purchase originations in Tioga 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.