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Mortgage Rates in Pennsylvania

81 real rates from borrowers and public HMDA records

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30-Yr Fixed Avg
6.483%
52 submissions
15-Yr Fixed Avg
5.848%
6 submissions
Total Submissions
81
Jan 2025 – Dec 2025
Lenders Reporting
8

Top Lenders in Pennsylvania

LenderAvg RateSubmissions
Pentagon Federal (PenFed)Pentagon Federal (PenFed)5.958%3
Fifth Third BankFifth Third Bank5.875%3
Flagstar BankFlagstar Bank6.708%3
Navy Federal Credit UnionNavy Federal Credit Union6.167%3
PennymacPennymac5.997%3
loanDepotloanDepot6.355%3
Guild MortgageGuild Mortgage5.993%3
Alliant Credit UnionAlliant Credit Union5.625%3

Rate Trend by Month

MonthAvg RateSubmissions
Dec 20256.274%13
Nov 20256.249%8
Oct 20256.675%5
Sep 20256.000%3
Aug 20256.612%5
Jul 20256.341%8
Jun 20256.339%4
May 20256.192%9
Apr 20255.973%5
Mar 20256.525%5
Feb 20256.351%11
Jan 20256.503%5

Frequently Asked Questions

What is the average mortgage rate in Pennsylvania?
Based on 52 real 30-year fixed submissions, the average rate locked in Pennsylvania is 6.483%. This reflects what borrowers actually locked, not lender-advertised teaser rates.
How many mortgage rate submissions does HomeLoans.fyi have for Pennsylvania?
81 real rates from Pennsylvania, sourced from anonymous borrower submissions and public HMDA loan records.
What is the average VA loan rate in Pennsylvania?
The average VA 30-year rate locked in Pennsylvania is 5.938%, based on 6 submissions.
Which lenders have the most submissions in Pennsylvania?
Pentagon Federal (PenFed), Fifth Third Bank, Flagstar Bank have the most submitted rates in Pennsylvania on HomeLoans.fyi.
Browse all Pennsylvania submissions →