Pennsylvania Refinance Rates Today for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Pennsylvania refinance rates today start at 5.97% for a 30 year fixed and 5.60% for a 15 year fixed, compared with Pennsylvania averages of 7.231% and 6.769%. Pennsylvania mortgage refinance rates range from 4.29% to 9.75%, verified by MonitorBankRates as of October 30, 2026. Current mortgage refinance rates in Pennsylvania include Marion Center BankMarion Center Bank106 W Main St, Big Run, PA, 15701B4.3 ★Texas Ratio: 12.13%Rate verified Oct 26, 2026 at 6.65%, Univest BankUnivest Bank1 Heritage Dr, Allentown, PA, 15221A5.0 ★Texas Ratio: 6.10%Rate verified Oct 26, 2026 at 7.25%, Riverfront Federal Credit UnionRiverfront Federal Credit Union2001 Museum Rd, Reading, PA, 19607 1602A+5.0 ★Texas Ratio: 4.11%Rate verified Oct 28, 2026 at 5.97%, Hill District Federal Credit UnionHill District Federal Credit Union2021 Centre Ave, Pittsburgh, PA, 15219 6301C+4.2 ★Texas Ratio: 25.14%Rate verified Oct 29, 2026 at 6.00%, and Harleysville BankHarleysville Bank1550 Hatfield Valley Rd, Harleysville, PA, 18084A+5.0 ★Texas Ratio: 1.05%Rate verified Oct 26, 2026 at 6.25%. Refinance rates as of October 30, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare refinance rates across all loan types in Pennsylvania side-by-side. Pennsylvania refinance rates currently start as low as 5.97% from Riverfront Federal Credit Union at 2001 Museum Rd, Reading, PA, 19607 1602. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to Pennsylvania homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 30, 2026
Compare Refinance Rates Today in Pennsylvania
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Pennsylvania lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
Pennsylvania 30 Year Fixed Refinance Rates
Rates and APRs include a .25% discount for automatic debit from an MCB deposit account
P&I payment: $1,364.35; Interest rate and APR for refinance transactions; Rates subject to change without notice
Fixed; APR based on $100,000 loan amount
Loan Term: 30-Year Fixed; Monthly payment (P&I) $1,199.10 on $200,000 loan; taxes and insurance not included; borrower must maintain share account of at least 1% of financed amount
Purchase of Primary Residence Only; Single Family Dwelling; Maximum Loan to Value 97%; Income Limits Apply; Funds limited to purchases in Montgomery, Berks, Bucks, Delaware and Chester Counties; Rate Lock: 60 days
Up to 80% Loan to Value; 30 Year Fixed (or 360 monthly payments)
Term: 30 Year Fixed (or 360 monthly payments); Up to 80% Loan to Value (up to 97% with PMI); APR based on $100,000.00 loan amount; $100,000 loan payment $622.24; Rates effective as of 9/22/2026
Estimated Closing Costs: $6,005.00; APR assumes $175,000 purchase loan, 80% LTV, FICO 730+, zero point options; loan amounts under $100,000 may carry a higher APR
Owner occupied; LTV up to 95%; PMI required on loans over 80% LTV; maximum loan amount $416,375; APR based on $150,000 loan with 20% down
As Low As; Finance up to 80% of appraised property value; homeowners insurance declaration page required
- Oct 30, 20266.75%▲ from 6.49%
- Oct 14, 20266.49%first recorded
Rates and APRs include a .25% discount for automatic debit from an MCB deposit account
As Low As; Rate based on loan amount $125,000.00 to $149,999.00 with no points and maximum LTV of 95% for purchase or refinance of a single family, first lien, owner-occupied property; APR excludes PMI; effective 10/21/2026
- Oct 23, 20266.88%▼ from 7.13%
- Oct 2, 20267.13%▲ from 6.75%
- Sep 16, 20266.75%first recorded
Biweekly Payment per $1,000: $3.28; Rate requires biweekly payments automatically drafted every 14 days from a PennCrest BANK checking account; Loan amounts up to $832,750; 20% down payment or equity required
- Oct 22, 20266.89%▲ from 6.77%
- Oct 14, 20266.77%first recorded
Conforming Rates; loan amounts up to $832,750; 780+ credit score; max LTV 75%; purchase, primary residence; effective October 26, 2026
- Oct 26, 20266.90%▼ from 7.17%
- Oct 11, 20267.17%▲ from 7.16%
- Oct 1, 20267.16%▲ from 7.03%
- Sep 27, 20267.03%▲ from 6.78%
No additional details available.
- Oct 26, 20266.93%▲ from 6.42%
- Oct 20, 20266.42%first recorded
Fixed Annual Percentage Rate; Term of Loan: 360 months (30 Year Fixed); Closing costs will apply
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
No additional details available.
- Oct 26, 20267.01%▲ from 6.51%
- Oct 20, 20266.51%first recorded
Loan amounts up to $832,750; 20% down payment or equity required; rate requires monthly payments drafted from PennCrest BANK checking account
Conforming Rates; loan amounts up to $832,750; 780+ credit score; max LTV 75%; purchase, primary residence; effective October 26, 2026
- Oct 26, 20267.05%▼ from 7.32%
- Oct 1, 20267.32%▲ from 7.18%
- Sep 27, 20267.18%▲ from 6.93%
- Sep 19, 20266.93%first recorded
Purchase or no cash-out refinance; based on 780 FICO score
- Oct 26, 20267.07%▼ from 7.33%
- Oct 1, 20267.33%▲ from 7.20%
- Sep 27, 20267.20%▲ from 6.95%
- Sep 19, 20266.95%first recorded
Owner Occupied; APR is based on a $150,000 loan with 20% down; maximum loan amount $832,750; maximum LTV 95%
Owner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 60 days
Starting rate; APR based on $150,000 loan amount; assumes credit score of 780 or above; primary residence transactions
Owner Occupied
- Oct 28, 20267.14%▼ from 7.39%
- Oct 12, 20267.39%first recorded
Loan Amount: $0 - $832,750
- Oct 28, 20267.14%▼ from 7.19%
- Oct 23, 20267.19%first recorded
Owner Occupied
- Oct 28, 20267.17%▼ from 7.42%
- Oct 12, 20267.42%▲ from 6.79%
- Sep 17, 20266.79%▲ from 6.67%
- Sep 14, 20266.67%first recorded
As Low As; Advertised APR assumes approx. 2.000 points due at closing; Purchase loan $225,000; estimated property value $375,000; property in NY (Erie county); existing single family home; primary residence; escrow (impound) account required; 60-day rate lock; assumed credit score 740
Rates based on a 45 day lock
As Low As; Monthly Cost Per $10,000: $67.38
- Oct 29, 20267.21%▼ from 7.34%
- Oct 23, 20267.34%▲ from 7.33%
- Oct 9, 20267.33%▲ from 7.20%
- Oct 5, 20267.20%▲ from 6.95%
As Low As; Home Loans
As Low As; Amount (In Thousands): $151 - $200
Today's Featured Rates; Apply Now!
- Oct 23, 20267.23%▼ from 7.35%
- Oct 15, 20267.35%▼ from 7.60%
- Oct 8, 20267.60%▲ from 7.35%
- Sep 25, 20267.35%▲ from 7.23%
APR as low as; Mortgage rate table under FHA/VA Loans heading
Owner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 60 days
Payment per $1000: $6.74; Rates accurate as of 10/16/2026; APR includes .25% discount for automatic debit from InFirst Bank checking account
- Oct 21, 20267.27%▲ from 7.14%
- Oct 11, 20267.14%▲ from 7.01%
- Oct 1, 20267.01%▲ from 6.76%
- Sep 24, 20266.76%▲ from 6.51%
As Low As; Rates as low as 7.280% APR (homepage featured rate)
Rates effective as of 10/26/2026
Excellent credit footnote: rates reflect a $200,000 loan on a $250,000 estimated value, credit score > 780, single family primary residence with 20% down; auto pay from a Fidelity Bank checking account required (otherwise rate is .25% higher)
Minimum down: 5%; APR based on $350,000, 25% down; Initial rate fixed: n/a
- Oct 26, 20267.29%▼ from 7.79%
- Oct 20, 20267.79%first recorded
Rates last updated 10/26/2026
- Oct 26, 20267.32%▼ from 7.57%
- Oct 1, 20267.57%▲ from 7.32%
- Sep 28, 20267.32%first recorded
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), primary residence, escrow required, 60-day rate lock, 740 credit score assumed
As Low As; Rates as low as 6.875%; loan amount $225,000; estimated property value $375,000; purchase; NY (Erie county); existing single family primary residence; escrow required; 60 day rate lock; assumed credit score 740
Purchase transactions only; P&I payment: $1,364.35
Monthly payment example: $6.93 per thousand borrowed; 720 minimum credit score required; APR based on $100,000+ loan at 80% LTV
Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: -0.029% (lender credit); Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
APRs current as of October 26, 2026; based on 5% down payment; program minimum credit score 660; Maximum loan size is dependent upon maximum purchase price and county being served
- Oct 1, 20267.42%▲ from 7.17%
- Sep 27, 20267.17%▲ from 7.04%
- Sep 24, 20267.04%▲ from 6.79%
- Sep 15, 20266.79%first recorded
Purchase loan; rate lock 60 days; assumed credit score 740; escrow account required; APR is based on the assumed loan scenario
- Oct 2, 20267.44%▲ from 7.19%
- Sep 27, 20267.19%first recorded
No additional details available.
- Oct 23, 20267.45%▲ from 7.33%
- Oct 12, 20267.33%first recorded
As Low As; Amount (In Thousands): $401 & Over
Pennsylvania 15 Year Fixed Refinance Rates
Rates and APRs include a .25% discount for automatic debit from an MCB deposit account
Origination Fee or Lender Credit: 0.000%
- Oct 23, 20266.58%▼ from 6.83%
- Oct 12, 20266.83%▲ from 6.70%
- Oct 8, 20266.70%first recorded
P&I payment: $1,769.82; Interest rate and APR for refinance transactions; Rates subject to change without notice
Fixed; APR based on $100,000 loan amount
Up to 80% Loan to Value; 15 Year Fixed (or 180 monthly payments)
Estimated Closing Costs: $5,960.00; APR assumes $175,000 purchase loan, 80% LTV, FICO 730+, zero point options; loan amounts under $100,000 may carry a higher APR
Term: 15 Year Fixed (or 180 monthly payments); Up to 80% Loan to Value (up to 97% with PMI); APR based on $100,000.00 loan amount; $100,000 loan payment $830.41; Rates effective as of 9/22/2026
No additional details available.
- Oct 26, 20266.14%▲ from 5.64%
- Oct 20, 20265.64%first recorded
No additional details available.
- Oct 26, 20266.24%▲ from 5.73%
- Oct 20, 20265.73%first recorded
Fixed Annual Percentage Rate; Term of Loan: 180 months (15 Year Fixed); Closing costs will apply
Rates and APRs include a .25% discount for automatic debit from an MCB deposit account
Conforming Rates; loan amounts up to $832,750; 780+ credit score; max LTV 75%; purchase, primary residence; effective October 26, 2026
- Oct 26, 20266.37%▼ from 6.62%
- Oct 14, 20266.62%▲ from 6.49%
- Oct 11, 20266.49%▼ from 6.62%
- Sep 27, 20266.62%▲ from 6.24%
Biweekly Payment per $1,000: $4.32; Rate requires biweekly payments automatically drafted every 14 days from a PennCrest BANK checking account; Loan amounts up to $832,750; 20% down payment or equity required
- Oct 22, 20266.39%▲ from 6.26%
- Oct 14, 20266.26%first recorded
Conforming Rates; loan amounts up to $832,750; 780+ credit score; max LTV 75%; purchase, primary residence; effective October 26, 2026
- Oct 26, 20266.46%▼ from 6.71%
- Sep 27, 20266.71%▲ from 6.46%
- Sep 24, 20266.46%▲ from 6.34%
- Sep 19, 20266.34%first recorded
As Low As; Finance up to 80% of appraised property value; homeowners insurance declaration page required
- Oct 30, 20266.50%▲ from 5.85%
- Sep 14, 20265.85%first recorded
Loan amounts up to $832,750; 20% down payment or equity required; rate requires monthly payments drafted from PennCrest BANK checking account
Purchase or no cash-out refinance; based on 780 FICO score
- Sep 27, 20266.53%▲ from 6.17%
- Sep 19, 20266.17%first recorded
Loan Amount: $0 - $832,750
- Oct 28, 20266.55%▼ from 6.69%
- Oct 23, 20266.69%first recorded
Owner Occupied; APR is based on a $150,000 loan with 20% down; maximum loan amount $832,750; maximum LTV 95%
Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Owner Occupied
- Oct 28, 20266.69%▼ from 6.94%
- Oct 12, 20266.94%▲ from 6.32%
- Sep 17, 20266.32%▲ from 6.19%
- Sep 14, 20266.19%first recorded
Owner Occupied
- Oct 28, 20266.72%▼ from 6.98%
- Oct 12, 20266.98%first recorded
No additional details available.
- Oct 23, 20266.74%▲ from 6.49%
- Oct 12, 20266.49%first recorded
Owner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 120 days
Today's Featured Rates; Apply Now!
- Oct 15, 20266.78%▼ from 7.03%
- Oct 8, 20267.03%▲ from 6.91%
- Sep 25, 20266.91%▲ from 6.66%
- Sep 16, 20266.66%first recorded
Rates effective as of 10/26/2026
Rates last updated 10/26/2026
- Oct 26, 20266.81%▼ from 6.94%
- Oct 1, 20266.94%▲ from 6.69%
- Sep 28, 20266.69%first recorded
Conforming Mortgage Rates; APR based on $350,000 loan, 25% down; Monthly Payment per $10,000: $88.49; Minimum Down: 5%; Time Initial Rate is Fixed: n/a; Adjustment After Initial Period: n/a; Max Lifetime Cap: n/a
- Oct 26, 20266.81%▼ from 7.07%
- Oct 7, 20267.07%▼ from 7.69%
- Sep 15, 20267.69%first recorded
Minimum down: 5%; APR based on $350,000, 25% down; Initial rate fixed: n/a
- Oct 26, 20266.81%▼ from 7.07%
- Oct 20, 20267.07%first recorded
Payment per $1000: $8.78; Rates accurate as of 10/16/2026; APR includes .25% discount for automatic debit from InFirst Bank checking account
- Oct 21, 20266.85%▲ from 6.72%
- Oct 11, 20266.72%▲ from 6.59%
- Oct 1, 20266.59%▲ from 6.34%
- Sep 24, 20266.34%▲ from 6.08%
Rates based on a 45 day lock
- Oct 28, 20266.88%▼ from 7.00%
- Oct 23, 20267.00%▼ from 7.13%
- Oct 15, 20267.13%first recorded
As Low As; Monthly Cost Per $10,000: $88.49
- Oct 23, 20266.89%▼ from 7.12%
- Oct 9, 20267.12%▲ from 6.87%
- Oct 5, 20266.87%▲ from 6.62%
- Sep 17, 20266.62%▲ from 6.24%
As Low As
- Oct 19, 20266.91%▲ from 6.53%
- Sep 14, 20266.53%first recorded
Mortgage refinance; conforming; rates include 0.125% autopay and paperless discount; based on $300,000 loan
Purchase transactions only; P&I payment: $1,769.82
As Low As; Home Loans
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
As Low As; Advertised APR assumes approx. 2.000 points due at closing; Purchase loan $225,000; estimated property value $375,000; property in NY (Erie county); existing single family home; primary residence; escrow (impound) account required; 60-day rate lock; assumed credit score 740
Monthly payment example: $8.99 per thousand borrowed; 720 minimum credit score required; APR based on $100,000+ loan at 80% LTV
Based on loan amount of $100,000.00; Excludes taxes and insurance; Maximum loan to value 80%
Available within Pennsylvania; APR based on $125,000 loan with 20% down; interest rate lock 45 days
- Oct 26, 20267.05%▲ from 7.05%
- Sep 27, 20267.05%▲ from 6.80%
- Sep 19, 20266.80%first recorded
Today's Mortgage Rates
- Oct 26, 20267.14%▼ from 7.39%
- Oct 14, 20267.39%first recorded
Excellent credit footnote: rates reflect a $200,000 loan on a $250,000 estimated value, credit score > 780, single family primary residence with 20% down; auto pay from a Fidelity Bank checking account required (otherwise rate is .25% higher)
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), primary residence, escrow required, 60-day rate lock, 740 credit score assumed
As Low As; Rates as low as 6.500%; loan amount $225,000; estimated property value $375,000; purchase; NY (Erie county); existing single family primary residence; escrow required; 60 day rate lock; assumed credit score 740
Pennsylvania residential loans; APR based on $125,000 loan with 20% down payment for purchase or limited cash-out refinance of a single-family principal residence; 10% minimum down payment required for all construction loans; interest rate lock 60 days; APR current as of October 26, 2026; payment excludes taxes and insurance
Loan Term: 15-Year Fixed; Monthly payment (P&I) $1,797.66 on $200,000 loan; taxes and insurance not included; borrower must maintain share account of at least 1% of financed amount
Points: 0%
Points: 1%
APR as low as; Mortgage rate table under FHA/VA Loans heading
Pennsylvania 5/1 ARM Refinance Rates
As Low As; Adjustable Rate Mortgage 5/1; Rates subject to increase or decrease after Initial Fixed Period; Loans over $832,750 may be subject to different rates
As Low As
As Low As; Construction ARMs (Adjustable Rate Mortgages); Rates are subject to change daily. Please contact Credit Union for additional program options.
As Low As
As Low As; 5/6 ARM is a variable rate loan; APR assumes 20% down, 30 day rate lock, $200,000.00 loan amount
Conforming Rates; fixed for 5 years, then adjusts annually based on one year treasury plus 2.75% margin; loan amounts up to $832,750; 780+ credit score; max LTV 75%; effective October 26, 2026
- Oct 26, 20266.79%▼ from 6.97%
- Oct 14, 20266.97%first recorded
Conforming Rates; fixed for 5 years, then adjusts annually based on one year treasury plus 2.75% margin; loan amounts up to $832,750; 780+ credit score; max LTV 75%; effective October 26, 2026
- Oct 26, 20266.80%▼ from 6.97%
- Oct 14, 20266.97%first recorded
As Low As
Adjustable rate mortgage
- Oct 28, 20267.06%▲ from 6.94%
- Sep 25, 20266.94%▲ from 6.89%
- Sep 17, 20266.89%first recorded
As Low As; Adjustable-Rate Mortgage; Index plus 3.00 percentage point margin after first adjustment; Conforming Loan amounts from $50,000 to $832,750
As Low As; Home Loans
As Low As; Rates effective starting: October 23, 2026
As Low As; Rate fixed for first 5 years, then adjusts annually over 30-year term; APR may increase after initial fixed-rate period
Initial rate; fixed for first 5 years, then adjusts annually; amortized over 30 years; 3.00% margin over CMT index; 2/2/6 caps
Owner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); caps 2% / 4% life; Rate Lock: 120 days
Owner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); caps 2% / 4% life; Rate Lock: 120 days
APRs based on a $125,000 loan with 20% down for a single-family principal residence; available for residential loans within Pennsylvania; APR reflects a 60-day rate lock and approximate prepaid finance charges; Index: 1-Year Treasury; Caps: 2/2/5; Margin 2.750%; Floor 2.750%; no conversion option
- Oct 7, 20267.19%▲ from 7.01%
- Oct 2, 20267.01%▼ from 7.10%
- Oct 1, 20267.10%▲ from 6.99%
- Sep 27, 20266.99%▲ from 6.97%
Initial Fixed Rate Period: 5 Years; First Adjusted Rate: 7.24%; Rates effective October 22, 2026
Introductory rate (expires after 60 months); 0 Points Rate; APR subject to 5/1 ARM footnote **
- Oct 20, 20267.34%▲ from 6.63%
- Oct 7, 20266.63%first recorded
Loan amount $850,000, 25% down; Monthly payment per $10,000: $71.64; Minimum down: 10%; Initial rate fixed: 5 Yrs.; Adjusts every 6 Months; First adjusted interest rate: 6.875%; Max lifetime cap: 12.750%
- Oct 26, 20267.36%▼ from 7.41%
- Oct 7, 20267.41%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Conforming Mortgage Rates; APR based on $350,000 loan, 25% down; Minimum down 5%; Initial rate fixed 5 Yrs.; Adjusts every 6 Months; First adjusted interest rate 6.875%; Max lifetime cap 12.750%
- Oct 26, 20267.38%▼ from 7.41%
- Oct 7, 20267.41%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Minimum down: 5%; APR based on $350,000, 25% down; Initial rate fixed: 5 Yrs.; Adjustment after initial period: 6 Months; First adjusted interest rate: 6.875%; Max lifetime cap: 12.750%
As Low As; Rates effective starting: October 23, 2026
Rate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Caps 2% / 4% life; Rate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Pennsylvania 30-Year Jumbo Refinance Rates
Jumbo; Adjustable-rate mortgage; Origination Fee or Lender Credit: 0.000%
Jumbo rates calculated assuming 25% down and a loan amount of $832,800; APR assumes loan closes on last day of month
Loan Amount: $832,751 - $1,500,000
Adjustable-Rate Mortgage; Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Rate Lock: 60 Day; Loan Amount: $832,751 to $1,250,000; Add .375% for loan amounts of $1,250,001 and higher
ARM Type: 10/1; Loan amount $832,751 to $1,250,000; Add .375% to above rates for loan amounts of $1,250,001 and higher; All Jumbo ARMs have a 2/6 Cap and 2.75% Margin; Rates may increase after loan consummation
Rate Lock: 60 Day; Loan Amount: $832,751 to $1,250,000; Add .375% for loan amounts of $1,250,001 and higher
As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.83%▼ from 6.87%
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Loan Amount: $832,751 - $1,500,000
Loan Amount: $832,751 - $1,500,000
- Oct 28, 20266.94%▼ from 7.04%
- Oct 23, 20267.04%first recorded
No additional details available.
- Oct 26, 20267.05%▲ from 6.54%
- Oct 20, 20266.54%first recorded
Loan Amount: $832,751 - $1,500,000
- Oct 28, 20267.12%▼ from 7.17%
- Oct 23, 20267.17%first recorded
No additional details available.
- Oct 26, 20267.13%▲ from 6.63%
- Oct 20, 20266.63%first recorded
No additional details available.
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.21%▼ from 7.46%
- Oct 22, 20267.46%first recorded
Jumbo Mortgages (Greater than $832,750); Fixed Rate; Est. APR based upon a 0% Service Fee
- Oct 20, 20267.26%▲ from 7.13%
- Oct 14, 20267.13%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.33%▼ from 7.46%
- Oct 22, 20267.46%first recorded
Introductory rate (expires after 36 months); 0 Points Rate; APR subject to 3/1 ARM footnote *
- Oct 20, 20267.38%▲ from 6.56%
- Oct 7, 20266.56%first recorded
Jumbo fixed; payment assumes $1,000,000 loan; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.45%▼ from 7.46%
- Oct 22, 20267.46%first recorded
As Low As; Adjustable-Rate Mortgage; Index plus 3.00 percentage point margin after first adjustment; Jumbo Conforming Loan amounts greater than $832,750
APR based on $850,000 loan, 20% down, 15 days prepaid interest; Jumbo mortgages are loans greater than $832,750
- Oct 27, 20267.52%▼ from 7.65%
- Oct 1, 20267.65%▲ from 7.52%
- Sep 28, 20267.52%▲ from 7.15%
- Sep 16, 20267.15%first recorded
Jumbo Loan Rates; Effective Date: Tuesday October 20, 2026; Fixed-Rate Jumbo; Rate reflects excellent credit history
Jumbo loan
- Oct 28, 20267.76%▼ from 7.88%
- Oct 23, 20267.88%first recorded
Introductory rate; 0 Points Rate; APR subject to 7/1 ARM footnote ***
- Oct 20, 20267.78%▲ from 7.52%
- Oct 7, 20267.52%first recorded
Loan amounts greater than $832,750; APR as low as 7.894%
Loan amount $832,751 to $2,000,000; APR based on 20% down payment; 45-day rate lock
- Oct 14, 20268.08%▼ from 8.20%
- Sep 27, 20268.20%▲ from 7.95%
- Sep 19, 20267.95%▲ from 7.83%
- Sep 15, 20267.83%first recorded
As Low As; Exclusive for Servicemembers, Reservists and Veterans who have exhausted their VA loan benefit; no down payment required; Rates as of Oct 26, 2026 ET
- Oct 26, 20268.22%▼ from 8.35%
- Oct 20, 20268.35%first recorded
Interest Rates As Low As; Jumbo loan; Down payment 0%; 720 FICO; single-family primary residence; Rates as of Oct 26, 2026 ET
- Oct 26, 20268.35%▼ from 8.48%
- Oct 20, 20268.48%▼ from 8.61%
- Oct 1, 20268.61%first recorded
Pennsylvania 15-Year Jumbo Refinance Rates
Jumbo; Origination Fee or Lender Credit: 0.000%
- Oct 23, 20266.52%▼ from 6.77%
- Oct 12, 20266.77%▲ from 6.65%
- Oct 8, 20266.65%first recorded
Jumbo rates calculated assuming 25% down and a loan amount of $832,800; APR assumes loan closes on last day of month
Loan Amount: $832,751 - $1,500,000
- Oct 28, 20266.51%▼ from 6.66%
- Oct 23, 20266.66%first recorded
Jumbo Mortgages (Greater than $832,750); Fixed Rate; Est. APR based upon a 0% Service Fee
Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Rate Lock: 60 Day; Loan Amount: $832,751 to $1,250,000; Add .375% for loan amounts of $1,250,001 and higher
No additional details available.
- Oct 26, 20266.63%▲ from 6.13%
- Oct 20, 20266.13%first recorded
No additional details available.
- Oct 26, 20266.74%▲ from 6.23%
- Oct 20, 20266.23%first recorded
Jumbo fixed; payment assumes $1,000,000 loan; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.74%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.75%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; Rates quoted for owner occupied properties only
No additional details available.
- Oct 26, 20266.85%▼ from 6.97%
- Oct 20, 20266.97%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.87%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo loan
- Oct 28, 20267.00%▼ from 7.12%
- Oct 23, 20267.12%first recorded
Loan amounts greater than $832,750; APR as low as 7.155%
APR based on $850,000 loan, 20% down, 15 days prepaid interest; Jumbo mortgages are loans greater than $832,750
- Oct 27, 20267.16%▼ from 7.28%
- Oct 1, 20267.28%▲ from 7.16%
- Sep 28, 20267.16%▲ from 6.66%
- Sep 16, 20266.66%first recorded
Jumbo Loan Rates; Effective Date: Tuesday October 20, 2026; Fixed-Rate Jumbo; Rate reflects excellent credit history
Jumbo Mortgage ($832,751 - $2,000,000); APRs based on $832,751 loan with 20% down; rate lock 45 days; Pennsylvania residential loans
- Oct 26, 20267.49%▲ from 7.49%
- Sep 27, 20267.49%▲ from 7.24%
- Sep 24, 20267.24%▲ from 7.11%
- Sep 15, 20267.11%first recorded
0 Points Rate; APR subject to footnote ****
- Oct 20, 20268.42%▲ from 8.17%
- Oct 7, 20268.17%first recorded
Pennsylvania 5/1 Jumbo ARM Refinance Rates
As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.78%▼ from 6.83%
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
As Low As; Adjustable-Rate Mortgage; Index plus 3.00 percentage point margin after first adjustment; Jumbo Conforming Loan amounts greater than $832,750
Introductory rate (expires after 60 months); 0 Points Rate; APR subject to 5/1 ARM footnote **
- Oct 20, 20267.44%▲ from 6.89%
- Oct 7, 20266.89%first recorded
Pennsylvania FHA Loan Rates
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), primary residence, escrow required, 60-day rate lock, 740 credit score assumed
APR as low as; Mortgage rate table under FHA/VA Loans heading
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), primary residence, escrow required, 60-day rate lock, 740 credit score assumed
APR as low as; Mortgage rate table under FHA/VA Loans heading
As Low As; As of October 1, 2026; Rates locked for 60 days; PMI required with less than 20% down
FHA loan
- Oct 28, 20267.43%▼ from 7.47%
- Oct 23, 20267.47%first recorded
APR as low as; Mortgage rate table under FHA/VA Loans heading
As Low As; FHA/VA loan; Rate locks not exceeding 60 days
Rates effective as of 10/26/2026
As Low As; FHA/VA loan; Rate locks not exceeding 60 days
- Oct 23, 20267.62%▼ from 7.76%
- Oct 12, 20267.76%first recorded
FHA loan
- Oct 23, 20267.63%▲ from 7.43%
- Sep 17, 20267.43%first recorded
APR as low as; Mortgage rate table under FHA/VA Loans heading
As Low As; FHA 203k loan; Rate locks not exceeding 60 days
- Oct 28, 20267.71%▼ from 7.73%
- Oct 23, 20267.73%▼ from 7.86%
- Oct 12, 20267.86%first recorded
Rates based on a 45 day lock
- Oct 23, 20267.72%▼ from 8.23%
- Oct 15, 20268.23%first recorded
APR as low as; Mortgage rate table under FHA/VA Loans heading
Purchase transactions only; FHA & VA; P&I payment: $1,364.35
Pennsylvania VA Loan Rates
Variable rate tied to TD Mortgage Prime Rate
As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required.
As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required.
Rates based on a 45 day lock
As Low As; Rates as low as 6.500%; loan amount $225,000; estimated property value $375,000; purchase; NY (Erie county); existing single family primary residence; escrow required; 60 day rate lock; assumed credit score 740
APR as low as; Mortgage rate table under FHA/VA Loans heading
As Low As; Rates as low as 6.875%; loan amount $225,000; estimated property value $375,000; purchase; NY (Erie county); existing single family primary residence; escrow required; 60 day rate lock; assumed credit score 740
APR as low as; Mortgage rate table under FHA/VA Loans heading
APR as low as; Mortgage rate table under FHA/VA Loans heading
APR as low as; Mortgage rate table under FHA/VA Loans heading
VA loan
- Oct 23, 20267.73%▼ from 7.86%
- Oct 15, 20267.86%▼ from 7.89%
- Oct 12, 20267.89%▲ from 7.86%
- Oct 2, 20267.86%▲ from 7.73%
APR as low as; Mortgage rate table under FHA/VA Loans heading
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 31, 2026. Use these as the benchmark for the Pennsylvania quotes above; lenders that price refinances separately currently run about 0.189 points higher.
Pennsylvania Refinance Rate Trends
Compare local Pennsylvania refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a Pennsylvania refinance quote should be measured against, plus roughly 0.189 points at lenders that price refinances separately.
Pennsylvania 30-year fixed rates fell 0.024 points over the past 7 days to 7.231%.
Pennsylvania 15-year fixed rates fell 0.016 points over the past 7 days to 6.769%.
What Pennsylvania Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
Pennsylvania Refinance Rate Forecast, Next 12 Months
Where are Pennsylvania refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for Pennsylvania Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $203,600 (80% of the state median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (PA avg) | 7.231% | $1,386 | 21.3% | |
| 6-Month Forecast | 7.231% (6.88, 7.53%) | $1,386 | +$0/mo | 21.3% |
| 12-Month Forecast | 7.481% (7.13, 7.78%) | $1,421 | +$35/mo | 21.9% |
Income column = annual mortgage payment as % of Pennsylvania median household income ($77,971). Above 30% is generally considered cost-burdened.
Pennsylvania Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current Pennsylvania rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your Pennsylvania Refinance
The rate is only part of the decision. Use these calculators to turn current Pennsylvania home refinance rates into monthly savings, break-even months, and total interest before you request quotes from refinance lenders.
If you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateEnter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateIf your goal is cash rather than a lower rate, compare current Pennsylvania home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Pennsylvania rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateTypes of Refinance Loans Available in Pennsylvania
Homeowners across Pennsylvania can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every Pennsylvania lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s Pennsylvania average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in Pennsylvania usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in Pennsylvania quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming baseline in Pennsylvania is $832,750 for most counties, higher in designated high-cost areas. A refinance above the county limit is a jumbo loan, priced and underwritten lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pennsylvania refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates for Pennsylvania directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Pennsylvania. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in PA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Refinance Product Information
How a Mortgage Refinance Works
A refinance pays off your current mortgage with a new loan on the same Pennsylvania home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
Refinance Rates vs. Purchase Rates
Most Pennsylvania banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our Pennsylvania mortgage rates page. For example, Marion Center Bank is listing a Residential Mortgage Loan - 30 Year Fixed: Purchase/Refinance at 6.65% for either purpose. Some lenders price refinances separately and list them by name, such as Marion Center Bank’s Residential Mortgage Loan - 15 Year Fixed: Purchase/Refinance at 6.15%. Across lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break Even Point
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Pennsylvania homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs
Refinance closing costs in Pennsylvania typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When to Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our Pennsylvania refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in Pennsylvania
What are refinance rates in Pennsylvania today?
What are home loan refinance rates in Pennsylvania (PA) today?
Are refinance rates higher than purchase mortgage rates in Pennsylvania?
When does refinancing make sense in Pennsylvania?
How soon can I refinance a mortgage in Pennsylvania?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in Pennsylvania?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I compare refinance lenders in Pennsylvania?
How do I get refinance quotes in Pennsylvania?
What are the best refinance rates in Pennsylvania?
- Marion Center Bank: 6.65% (Residential Mortgage Loan - 30 Year Fixed: Purchase/Refinance)
- Univest Bank: 7.25% (Mortgage Refinance - 30 Year Fixed)
- Riverfront Federal Credit Union: 5.97% (Mortgage 30 Year Fixed)
- Hill District Federal Credit Union: 6.00% (Conventional Mortgage - 30-Year Fixed)
- Harleysville Bank: 6.25% (Special Community Homebuyer Program - 30 Yr. Fixed)
Pennsylvania Rates & Resources
Home Refinance Rates by City in Pennsylvania (PA)
