Bradford Mortgage Rates & Closing Costs
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% |
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.).
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.