Who has the best mortgage rates in Pennsylvania?

I’m looking for a primary, single-family home in for , and credit score.

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Insights

Negotiate everything—rates, fees, and terms are not set in stone.

Portrait of George Robinson, TrueRate Data ScientistGeorge Robinson TrueRate Data Scientist

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.

LenderLender fees
Customer reviews

Insights

Negotiate everything—rates, fees, and terms are not set in stone.

Portrait of George Robinson, TrueRate Data ScientistGeorge Robinson TrueRate Data Scientist

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.

LenderLender fees
Customer reviews

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.

Portrait of George Robinson, TrueRate Data ScientistGeorge Robinson TrueRate Data Scientist

Lenders with average rates in PA

You deserve better than what these lenders historically provide.


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.

6.69% - 6.87%

Insights

TrueRate compares lenders based on their 0 points or par rate. You should use this rate when comparing lenders.
Portrait of James McTernan, Tomo Mortgage Loan AdvisorInsights by James McTernan Tomo Mortgage Loan Advisor - NMLS #337556

TrueRate report

See how mortgage companies got home buyers to over-pay by billions.

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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.


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.