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20-Year Fixed Conforming Mortgage Refinance

Pennsylvania 20-Year Fixed Mortgage Refinance Rates 2025

Compare Pennsylvania 20-Year Fixed Conforming Mortgage Refinance Rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information.

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Pennsylvania 20-Year Fixed Conforming Mortgage Refinance

November 19, 2025
Average: 6.43% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Refi.com NMLS ID: 1907	Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Tap into your home’s equity with a cash-out refinance 20 Yr Fixed		$0	Learn More
Direct Home Lending NMLS ID: 274058	5.715% 20 Yr Fixed	5.625% Fees & Points $2,365 Total 0.553 Pts: $1,770 $595 Fees	$2,224	Learn More See Table View
Saxton Mortgage NMLS ID: 1717191	5.841% 20 Yr Fixed	5.750% Fees & Points $2,453 Total 0.364 Pts: $1,165 $1,288 Fees	$2,247	Learn More See Table View
District Lending NMLS ID: 1835285	5.857% 20 Yr Fixed	5.750% Fees & Points $2,800 Total 0.375 Pts: $1,200 $1,600 Fees	$2,247	Learn More See Table View
Pure Rate Mortgage NMLS ID: 2578474	5.873% 20 Yr Fixed	5.750% Fees & Points $3,210 Total 0.675 Pts: $2,160 $1,050 Fees	$2,247	Learn More See Table View
Bergen Mortgage Enterprise LLC NMLS ID: 1897215	5.983% 20 Yr Fixed	5.875% Fees & Points $2,800 Total 0.875 Pts: $2,800 $0 Fees	$2,270	Learn More See Table View
Northpointe Bank NMLS ID: 447490	6.099% 20 Yr Fixed	5.990% Fees & Points $2,806 Total 0.877 Pts: $2,806 $0 Fees	$2,291	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.106% 20 Yr Fixed	5.875% Fees & Points $6,000 Total 0.875 Pts: $2,800 $3,200 Fees	$2,270	Learn More See Table View
Refi.com NMLS ID: 1907 License#: Pennsylvania	6.106% 20 Yr Fixed	5.990% Fees & Points $3,002 Total 0.938 Pts: $3,002 $0 Fees	$2,291	Learn More See Table View
Ameristreets Mortgage LLC NMLS ID: 2555251 License#: Pennsylvania	6.151% 20 Yr Fixed	6.000% Fees & Points $4,003 Total 0.875 Pts: $2,800 $1,203 Fees	$2,293	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	6.243% 20 Yr Fixed	6.125% Fees & Points $3,024 Total 0.945 Pts: $3,024 $0 Fees	$2,316	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify "The smoothest refi experience I’ve ever had" - TR, Houston 20 Yr Fixed			Learn More
Agave Home Loans NMLS ID: 1951574 License#: 107135	REFI, HELOC, & Home Equity Loan Options A+ BBB Rating & 1500+ 5-Star Reviews Get a Quote WITHOUT a Hard Credit Pull Top 3 in Customer Satisfaction by Lending Tree Q4 2024 20 Yr Fixed			Learn More
Quicken Loans NMLS ID: 167283	Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate It costs $0 to see how much you could get with a lender 20 Yr Fixed			Learn More
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 20 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
U.s. Bank National Association Updated 05/07/2023	5.97%	5.75% 0.57 points $0.00 fees	$2,246.67	Learn MoreShow Less See Table View
Pnc Bank, National Association Updated 10/04/2022	6.11%	5.88% 0.00 points $3,210.00 fees	$2,269.56	Learn MoreShow Less See Table View
Embassy Bank For The Lehigh Valley Updated 09/12/2025	6.13%	5.88% 0.00 points $0.00 fees	$2,269.75	Learn MoreShow Less See Table View
Citibank, National Association Updated 06/15/2022	6.38%	6.25% 0.13 points $2,739.00 fees	$2,338.97	Learn MoreShow Less See Table View
Northwest Bank Updated 05/26/2023	6.67%	6.39% 1.00 points $0.00 fees	$2,365.53	Learn MoreShow Less See Table View
Dollar Bank, Federal Savings Bank Updated 11/14/2025	5.63%	6.41% 0.00 points $0.00 fees	$2,368.16	Learn MoreShow Less See Table View
Peoples Security Bank And Trust Company Updated 10/11/2024	6.78%	6.43% 0.00 points $0.00 fees	$2,372.48	Learn MoreShow Less See Table View
The Fidelity Deposit And Discount Bank Updated 11/14/2025	6.22%	6.51% 0.00 points $0.00 fees	$2,386.78	Learn MoreShow Less See Table View
Nextier Bank, National Association Updated 10/11/2024	6.68%	6.55% 0.00 points $0.00 fees	$2,395.64	Learn MoreShow Less See Table View
Union Savings Bank Updated 04/07/2023	6.05%	6.55% 0.00 points $0.00 fees	$2,395.64	Learn MoreShow Less See Table View
S&t Bank Updated 02/16/2023	6.59%	6.59% 1.00 points $0.00 fees	$2,402.06	Learn MoreShow Less See Table View
Wayne Bank Updated 09/13/2024	5.61%	6.61% 1.00 points $0.00 fees	$2,407.36	Learn MoreShow Less See Table View
Somerset Trust Company Updated 05/16/2025	6.01%	6.63% 0.00 points $0.00 fees	$2,411.15	Learn MoreShow Less See Table View
Nbt Bank, National Association Updated 06/15/2022	7.09%	7.00% 0.00 points $0.00 fees	$2,480.96	Learn MoreShow Less See Table View
Acnb Bank Updated 12/07/2022	7.13%	7.00% 0.00 points $0.00 fees	$2,480.96	Learn MoreShow Less See Table View
Citadel Credit Union Updated 06/15/2022 Restrictions	7.05%	7.00% 0.00 points $1,415.00 fees	$2,480.96	Learn MoreShow Less See Table View
Police & Fire Credit Union Updated 06/15/2022 Restrictions	7.09%	7.00% 0.58 points $0.00 fees	$2,480.96	Learn MoreShow Less See Table View
Pennsylvania State Employees Credit Union Updated 06/15/2022 Restrictions	7.18%	7.00% 0.00 points $0.00 fees	$2,480.96	Learn MoreShow Less See Table View
Atlanta Postal Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $3,394.00 fees	$2,505.02	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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Pennsylvania 20-Year Fixed Mortgage Refinance Rates 2025

Pennsylvania 20-Year Fixed Conforming Mortgage Refinance

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