Bradford Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Bradford averaged 6.79% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

The average rate for the prior week (2025-06-26) was 6.79% and one month ago for the week of 2025-05-29, the average rate was 6.91%.

Bradford's average rate one year ago was 7.08%.

For refis of the same type during the week of 2025-07-03, the average rate was 7.27%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-03 6.67%
Bradford 30 Year Fixed Rate 2025-07-03 6.79%
Bradford 30 Year Fixed Rate Refi 2025-07-03 7.27%
Bradford 15 Year Fixed Rate 2025-07-03 5.6%
Bradford 15 Year Fixed Rate Refi 2025-07-03 6.2%
Bradford 30 Year FHA 2025-07-03 0.1%
Bradford 30 Year FHA Refi 2025-07-03 -0.1%
Bradford 30 Year USDA 2025-07-03 -0.1%
Bradford 30 Year USDA Refi 2025-07-03 0%
Bradford 30 Year VA 2025-07-03 -0.2%
Bradford 30 Year VA Refi 2025-07-03 -0.2%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bradford, PA.

Bradford Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Bradford, PA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 27 6.87% $5,645
Northwest Bank 17 6.49% $4,208
Community Bank 9 7.54% $51
CNB Bank 7 6.11% $3,966
PNC Bank 6 6.73% $4,920
PENNSYLVANIA STATE EMPLOYEES Credit Union 3 6.25% $3,391
NBKC BANK 2 6.56% $3,379
MOVEMENT MORTGAGE, LLC 2 6.53% $3,787
BROKER SOLUTIONS, INC. 2 7.63% $6,451
Citizens Bank 2 6.88% $5,317
UNION HOME MORTGAGE CORP. 2 7.00% $8,337
Citizens & Northern Bank 2 7.06% $4,020
Univest Bank and Trust Co. 2 7.25% $3,734
Wells Fargo Bank 2 6.50% $5,634
Mortgage Research Center, LLC 2 7.13% $2,782
PENNYMAC LOAN SERVICES, LLC 2 6.88% $5,906
UNITED WHOLESALE MORTGAGE, LLC 1 7.00% $6,191
AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.13% $4,380
ZILLOW HOME LOANS, LLC 1 7.00% $3,617
Ally Bank 1 7.63% $4,983
ANDREWS FEDERAL CREDIT UNION 1 6.00% $4,289
Carrington Mortgage Services, LLC 1 7.25% $4,597
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $4,712
First Commonwealth Bank 1 8.13% $4,327
First National Bank of Pennsylvania 1 7.00% $4,066
Fulton Bank 1 7.13% $3,563
HOMESIDE FINANCIAL, LLC 1 6.50% $3,395
Ixonia Bank 1 7.00% $3,948
LEBANON 1 6.50% $4,414
LOANDEPOT.COM, LLC 1 7.13% $10,194
MEMBERS 1ST FEDERAL CREDIT UNION 1 8.13% $4,980
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.38% $6,229
The Huntington National Bank 1 6.50% $6,075
Truist 1 5.49% $4,400

Bradford Average Closing Costs & Other Stats

Bradford, PA's 34 lenders originated 369 loans during 2024. The total origination value was $40,015,000, with an average loan value of $108,442.

Bradford's average closing costs are $4,743.

The top Bradford lender as defined by loan originations is QUICKEN LOANS, LLC, with 27 loans originated. Their average total fees are $5,645, which is $1,437 higher than the next largest lender, Northwest Bank.

The lowest fee Bradford lenders (with over 10 loans originated) are Northwest Bank ($4,208), QUICKEN LOANS, LLC ($5,645), .

The lowest rate Bradford lenders (with over 10 loans originated) are Northwest Bank (6.49%), QUICKEN LOANS, LLC (6.87%), .

Bradford, PA Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
QUICKEN LOANS, LLC $5,935,000 $6,650,000 12.0% 16.6%
Northwest Bank $16,280,000 $6,040,000 -62.9% 15.1%
CNB Bank $7,310,000 $5,900,000 -19.3% 14.7%
Mortgage Research Center, LLC $1,400,000 $3,025,000 116.1% 7.6%
PNC Bank $1,440,000 $2,260,000 56.9% 5.6%
Community Bank $740,000 $1,130,000 52.7% 2.8%
UNITED WHOLESALE MORTGAGE, LLC $340,000 $1,100,000 223.5% 2.7%
Citizens & Northern Bank $2,370,000 $1,075,000 -54.6% 2.7%
FREEDOM MORTGAGE CORPORATION $770,000 n/a 1.9%
LOANDEPOT.COM, LLC $270,000 $660,000 144.4% 1.6%
MOVEMENT MORTGAGE, LLC $540,000 $595,000 10.2% 1.5%
GUARANTEED RATE, INC. $1,890,000 $580,000 -69.3% 1.4%
InFirst Bank $570,000 n/a 1.4%
UNION HOME MORTGAGE CORP. $565,000 n/a 1.4%
The Juniata Valley Bank $650,000 $485,000 -25.4% 1.2%
PENNYMAC LOAN SERVICES, LLC $240,000 $455,000 89.6% 1.1%
NBKC BANK $445,000 n/a 1.1%
The Federal Savings Bank $415,000 n/a 1.0%
PENNSYLVANIA STATE EMPLOYEES Credit Union $330,000 $410,000 24.2% 1.0%
Univest Bank and Trust Co. $175,000 $385,000 120.0% 1.0%
Citizens Bank $160,000 $365,000 128.1% 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $320,000 n/a 0.8%
The Huntington National Bank $320,000 n/a 0.8%
AMERISAVE MORTGAGE CORPORATION $75,000 $310,000 313.3% 0.8%
21ST MORTGAGE CORPORATION $345,000 $290,000 -15.9% 0.7%
Wells Fargo Bank $290,000 n/a 0.7%
ZILLOW HOME LOANS, LLC $125,000 $230,000 84.0% 0.6%
BROKER SOLUTIONS, INC. $365,000 $220,000 -39.7% 0.5%
First National Bank of Pennsylvania $210,000 n/a 0.5%
MORTGAGE SOLUTIONS OF COLORADO, LLC $205,000 n/a 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $475,000 $185,000 -61.1% 0.5%
USAA Federal Savings Bank $565,000 $175,000 -69.0% 0.4%
CORNING $165,000 n/a 0.4%
Bank of America $155,000 n/a 0.4%
HOMESIDE FINANCIAL, LLC $155,000 n/a 0.4%
RELIANCE FIRST CAPITAL, LLC $210,000 $155,000 -26.2% 0.4%
MidAtlantic Farm Credit, ACA $150,000 n/a 0.4%
LEBANON $145,000 n/a 0.4%
ANDREWS FEDERAL CREDIT UNION $135,000 n/a 0.3%
CLEARPATH LENDING $135,000 n/a 0.3%
Discover Bank $130,000 n/a 0.3%
CARDINAL FINANCIAL $125,000 n/a 0.3%
Valley National Bank $125,000 n/a 0.3%
Carrington Mortgage Services, LLC $115,000 n/a 0.3%
Elderton State Bank $185,000 $105,000 -43.2% 0.3%
MEMBERS 1ST FEDERAL CREDIT UNION $105,000 n/a 0.3%
SPRING EQ, LLC $105,000 n/a 0.3%
AFFORDABLE MORTGAGE ADVISORS, LLC. $95,000 n/a 0.2%
First Commonwealth Bank $330,000 $90,000 -72.7% 0.2%
Ally Bank $325,000 $85,000 -73.8% 0.2%
Dollar Bank, Federal Savings Bank $85,000 n/a 0.2%
PLANET HOME LENDING, LLC $85,000 n/a 0.2%
Susquehanna Community Bank $85,000 n/a 0.2%
Truist $85,000 n/a 0.2%
Fulton Bank $65,000 n/a 0.2%
Coastal Community Bank $70,000 $60,000 -14.3% 0.1%
Ixonia Bank $55,000 n/a 0.1%
Bethpage Federal Credit Union $45,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $35,000 n/a 0.1%
Jersey Shore State Bank $60,000 $35,000 -41.7% 0.1%
ROYAL UNITED MORTGAGE LLC $35,000 n/a 0.1%
S&T Bank $25,000 n/a 0.1%
Figure Lending LLC $15,000 n/a 0.0%

Bradford's top lender by overall market share is QUICKEN LOANS, LLC, with 16.6% market share. In second place, with 15.1%, is Northwest Bank, having originated $6,040,000 in loans. In third place, with 14.7%, is CNB Bank, having originated $5,900,000 in loans. In fourth place, with 7.6%, is Mortgage Research Center, LLC, having originated $3,025,000 in loans. In fifth place, with 5.6%, is PNC Bank, having originated $2,260,000 in loans.

Bradford, PA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 177 $23,775,000 $134,322
Home Improvement 68 $3,780,000 $55,588
Other 48 $3,630,000 $75,625
Cash Out Refi 43 $4,835,000 $112,442
Refi 33 $3,995,000 $121,061

Bradford's most frequently cited loan purpose was Home Purchase, with 177 originations. The 2nd most popular reason was Home Improvement, with 68 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 162 $19,470,000 $120,185
7-8% 102 $10,500,000 $102,941
Over 8% 58 $3,880,000 $66,897
5-6% 35 $5,375,000 $153,571
4-5% 1 $115,000 $115,000

During 2024, Bradford's most frequently originated rate bucket was 6-7%, with 162 originations.

Loan Sizing (Bradford, PA MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 203 $11,765,000 $57,956
$100k-200k 127 $17,345,000 $136,575
$200k-400k 36 $9,390,000 $260,833
$400k-600k 2 $850,000 $425,000
$600k-1000k 1 $665,000 $665,000

Bradford's loan sizing saw the bucket of loans from $100,000 or less with 203 originations, totaling $11,765,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 158 $22,080,000 $139,747
60-80% 71 $9,125,000 $128,521
20-40% 68 $3,900,000 $57,353
40-60% 31 $2,645,000 $85,323
Under 20% 23 $555,000 $24,130
Over 100% 2 $420,000 $210,000

Bradford's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 158 originations, totaling $22,080,000 in origination value.