Pennsylvania mortgage rates November 12, 2026: next to 9 states
On November 12, 2026 at 12:26 PM ET, RateVerdict priced a $400,000 30-year fixed Pennsylvania refinance with 780+ credit and the rate closest to $0 at closing was 6.750% (6.778% APR, $140 in points), the same rate as in the nine other states RateVerdict priced that day, at the price nearest $0 of the ten (source: RateVerdict mortgage rates by state).
The short answer for November 12, 2026
RateVerdict priced one Pennsylvania loan at 12:26 PM ET on Thursday, November 12, 2026: a $400,000 30-year fixed refinance with a credit score of 780 or higher, priced against dozens of lenders (source: RateVerdict Pennsylvania rate table, as of November 12, 2026, 12:26 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.778% APR and $140 in points. The top of the table was 6.125%, with a 6.446% APR and $12,344 in points (same source and time).
Same rate in ten states, different prices
RateVerdict prices the same sample loan in ten states each weekday. On Thursday, all ten had 6.750% as the rate closest to $0 at closing. What differed was the price: the APR ran from 6.777% to 6.791%, and the dollars at closing ranged from a credit to a cost of $500 (source: RateVerdict mortgage rates by state, as of November 12, 2026).
Pennsylvania's $140 in points was the price nearest $0 of the ten states.
| State | Priced (ET) | Rate closest to $0 | APR | Cost or credit at closing |
|---|---|---|---|---|
| California | 12:00 PM | 6.750% | 6.791% | $500 cost |
| Colorado | 12:06 PM | 6.750% | 6.791% | $500 cost |
| Florida | 12:10 PM | 6.750% | 6.791% | $500 cost |
| Georgia | 12:16 PM | 6.750% | 6.781% | $316 cost |
| Michigan | 12:05 PM | 6.750% | 6.780% | $280 cost |
| Ohio | 12:21 PM | 6.750% | 6.781% | $304 cost |
| Pennsylvania | 12:26 PM | 6.750% | 6.778% | $140 cost |
| South Carolina | 12:31 PM | 6.750% | 6.791% | $500 cost |
| Texas | 12:36 PM | 6.750% | 6.777% | $264 credit |
| Virginia | 12:40 PM | 6.750% | 6.791% | $500 cost |
Why the same loan prices differently by state
- Lenders set prices by state, and not every lender lends in every state.
- Each state is priced at its own time around midday ET, so the snapshots are a few minutes apart.
- State taxes and recording fees are separate from these prices and are not in the table.
Thursday's full Pennsylvania table
Every rate RateVerdict kept for the sample loan, each with its APR and its cost or credit at closing.
Today's Pennsylvania table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
See today's Pennsylvania rates| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.125% | 6.446% | 3.086 | $12,344 cost |
| 6.250% | 6.499% | 2.334 | $9,336 cost |
| 6.375% | 6.566% | 1.724 | $6,896 cost |
| 6.500% | 6.632% | 1.117 | $4,468 cost |
| 6.625% | 6.690% | 0.375 | $1,500 cost |
| 6.750% | 6.778% | 0.035 | $140 cost |
| 6.875% | 6.899% | -0.442 | $1,768 credit |
| 7.000% | 7.024% | -0.928 | $3,712 credit |
| 7.125% | 7.149% | -1.330 | $5,320 credit |
| 7.250% | 7.274% | -1.784 | $7,136 credit |
| 7.375% | 7.399% | -2.213 | $8,852 credit |
| 7.500% | 7.524% | -2.581 | $10,324 credit |
A Pennsylvania rule worth knowing
Pennsylvania's state realty transfer tax is 1 percent of the value of real estate transferred by deed, and many local governments add their own realty transfer tax. (source: Pennsylvania Department of Revenue, Realty Transfer Tax).
See today's rate for your scenario
This post is one sample loan on one day. The Pennsylvania rate table on this site shows the current weekday table, and the Pennsylvania rate history page keeps past weekday snapshots. To compare states, see mortgage rates by state. To price your own balance, home value and credit range, use the rate tool on this site, with every rate shown beside its APR.
Common questions
What was the 30-year fixed refinance rate closest to $0 at closing in Pennsylvania on November 12, 2026?
It was 6.750% with a 6.778% APR and $140 in points for the $400,000 Pennsylvania sample refinance with 780+ credit (source: RateVerdict Pennsylvania rate table, November 12, 2026, 12:26 PM ET).
How did Pennsylvania compare with other states on November 12, 2026?
All ten states RateVerdict priced had 6.750% closest to $0. Pennsylvania's $140 in points was the price nearest $0 of the ten (source: RateVerdict mortgage rates by state, November 12, 2026).
Why would the same loan cost more in one state than another?
Lenders price each state separately, and not every lender lends everywhere. The same rate can carry a different number of points or credit from state to state.
Does a refinance in Pennsylvania pay realty transfer tax?
Pennsylvania's 1 percent realty transfer tax applies to real estate transferred by deed (source: Pennsylvania Department of Revenue). Ask your title company what applies to your refinance.
Where can I see every state's rate table?
The mortgage rates by state page on RateVerdict lists each state's latest weekday table and links to each state's history page.
See today's Pennsylvania rates
Today's Pennsylvania table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
Sources
- RateVerdict, Pennsylvania mortgage rates today (weekday midday snapshot)as of November 12, 2026, 12:26 PM ET
- RateVerdict, Pennsylvania mortgage rate historyas of November 12, 2026 snapshot
- RateVerdict, mortgage rates by stateas of November 12, 2026
- RateVerdict, rate tool for your own loanas of November 12, 2026
- Pennsylvania Department of Revenue, Realty Transfer Taxas of checked October 2026
This article is educational and is not an offer to lend, a rate lock, or a commitment to lend. Rates and terms depend on a complete application and are subject to credit approval, underwriting, and program guidelines. Any figure shown comes from our pricing engines or a cited source with its as-of date. See how we get our numbers on the methodology page.
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