Who has the best mortgage rates in Pennsylvania?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders with low rates in PA
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.
Lender | Lender fees |
---|
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders in PA likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 84 lenders and found that these lenders are likely to offer you a high rate.
Lender | Lender fees |
---|
Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Lenders with average rates in PA
You deserve better than what these lenders historically provide.
Sorry, no lenders were found.
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights

TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Pennsylvania is starting to look great for homebuyers
If you’ve been considering making a move, now might be the perfect time to find a great deal without stretching your finances too thin.
Philadelphia—it’s not just the City of Brotherly Love. With its rich history, vibrant food scene, and dynamic neighborhoods, Philadelphia is an excellent place to call home. Areas like Fishtown and South Philadelphia offer a blend of classic charm and modern amenities, and surprisingly affordable housing options can still be found, especially if you’re willing to explore beyond the more tourist-centric areas.
But don’t overlook other parts of the state! Pittsburgh is also on the rise, with a revitalized downtown and an expanding arts scene. Neighborhoods like Lawrenceville and Shadyside are filled with character, offering cozy cafes, boutique stores, and parks perfect for enjoying sunny days. Plus, the housing market here remains more accessible compared to other major cities, allowing you to enjoy city life without breaking the bank.
For first-time buyers, Pennsylvania offers various programs that assist with down payments and loans, providing valuable support as you step into homeownership. With these resources, financial stress doesn’t have to hold you back from achieving your homeownership goals.
If you’re looking for a mix of culture, affordability, and opportunity, Pennsylvania has a lot to offer. With improving interest rates and a wide variety of urban and suburban options, now is a great time to find your ideal home in the Keystone State.