Pennsylvania mortgage rates November 13, 2026: a $1,100 credit
On November 13, 2026 at 12:25 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% (6.782% APR) with $1,100 in lender credit, the largest credit at that marker on the Pennsylvania history page since October 30 (source: RateVerdict Pennsylvania rate table and history).
The short answer for November 13, 2026
RateVerdict priced one Pennsylvania loan at 12:25 PM ET on Friday, November 13, 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 13, 2026, 12:25 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.782% APR and $1,100 in lender credit. The top of the table was 6.125%, with a 6.496% APR and $14,332 in points (same source and time).
The largest credit at the marker so far
RateVerdict marks the rate whose price at closing is nearest $0. On Friday in Pennsylvania that rate, 6.750% (6.782% APR), came with $1,100 in lender credit.
On the Pennsylvania history page, which runs from October 30, the largest credit at that marker before Friday was $672, on Monday, November 9 at 6.500% (6.573% APR) (source: RateVerdict Pennsylvania rate history, weekday midday snapshots).
| Day priced | Rate closest to $0 | APR | Cost or credit at closing |
|---|---|---|---|
| Fri, Nov 13 | 6.750% | 6.782% | $1,100 credit |
| Thu, Nov 12 | 6.750% | 6.778% | $140 cost |
| Wed, Nov 11 | 6.625% | 6.695% | $156 credit |
| Tue, Nov 10 | 6.625% | 6.697% | $156 credit |
| Mon, Nov 9 | 6.500% | 6.573% | $672 credit |
| Fri, Nov 6 | 6.500% | 6.579% | $184 credit |
| Thu, Nov 5 | 6.500% | 6.579% | $148 credit |
| Wed, Nov 4 | 6.500% | 6.598% | $744 cost |
| Tue, Nov 3 | 6.625% | 6.709% | $612 credit |
| Mon, Nov 2 | 6.500% | 6.598% | $612 cost |
| Fri, Oct 30 | 6.500% | 6.615% | $1,100 cost |
How to read a credit at the marker
- A credit at the closest-to-$0 rate means that rate priced a little below zero. The lender would put that amount toward closing costs.
- A $1,100 credit on a $400,000 loan is 0.275 points. On a smaller loan, the same points are fewer dollars.
- The marker can land on either side of $0 from day to day. Check the dollars, not only the rate.
Friday'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% | 6.496% | 3.583 | $14,332 cost |
| 6.250% | 6.559% | 2.941 | $11,764 cost |
| 6.375% | 6.621% | 2.295 | $9,180 cost |
| 6.500% | 6.679% | 1.585 | $6,340 cost |
| 6.625% | 6.742% | 0.949 | $3,796 cost |
| 6.750% | 6.782% | -0.275 | $1,100 credit |
| 7.000% | 7.042% | -0.550 | $2,200 credit |
| 7.125% | 7.168% | -0.948 | $3,792 credit |
| 7.250% | 7.274% | -1.370 | $5,480 credit |
| 7.375% | 7.399% | -1.772 | $7,088 credit |
| 7.500% | 7.524% | -2.162 | $8,648 credit |
| 7.625% | 7.649% | -2.548 | $10,192 credit |
A Pennsylvania tax to know about
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 13, 2026?
It was 6.750% with a 6.782% APR and $1,100 in lender credit for the $400,000 Pennsylvania sample refinance with 780+ credit (source: RateVerdict Pennsylvania rate table, November 13, 2026, 12:25 PM ET).
Was November 13 the largest Pennsylvania credit at the closest-to-$0 rate?
Yes, on the history page since October 30. Before Friday the largest was $672 on November 9, 2026, at 6.500% (6.573% APR) (source: RateVerdict Pennsylvania rate history).
How did November 13 compare with November 12, 2026 in Pennsylvania?
The rate closest to $0 stayed at 6.750%. It went from $140 in points (6.778% APR) to $1,100 in lender credit (6.782% APR) (source: RateVerdict Pennsylvania rate history).
How many points is a $1,100 credit on a $400,000 loan?
It is 0.275 points. One point is 1% of the loan amount, or $4,000 on $400,000, and a credit shows as negative points on the table.
Does a Pennsylvania refinance 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.
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 13, 2026, 12:25 PM ET
- RateVerdict, Pennsylvania mortgage rate historyas of October 30 to November 13, 2026 weekday snapshots
- RateVerdict, mortgage rates by stateas of November 13, 2026
- RateVerdict, rate tool for your own loanas of November 13, 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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