CHAMBERSBURG - WAYNESBORO Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Chambersburg - Waynesboro averaged 6.8% for the week of 2024-05-16, compared to the national average of 7.02% for the same period.

The average rate for the prior week (2024-05-09) was 6.77% and one month ago for the week of 2024-04-11, the average rate was 6.56%.

Chambersburg - Waynesboro's average rate one year ago was 6.03%.

For refis of the same type during the week of 2024-05-16, the average rate was 7.91%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-16 7.02%
Chambersburg - Waynesboro 30 Year Fixed Rate 2024-05-16 6.8%
Chambersburg - Waynesboro 30 Year Fixed Rate Refi 2024-05-16 7.91%
Chambersburg - Waynesboro 15 Year Fixed Rate 2024-05-16 6.28%
Chambersburg - Waynesboro 15 Year Fixed Rate Refi 2024-05-16 6.48%
Chambersburg - Waynesboro 30 Year FHA 2024-05-16 6.71%
Chambersburg - Waynesboro 30 Year FHA Refi 2024-05-16 6.64%
Chambersburg - Waynesboro 30 Year USDA 2024-05-16 6.35%
Chambersburg - Waynesboro 30 Year USDA Refi 2024-05-16 6.55%
Chambersburg - Waynesboro 30 Year VA 2024-05-16 6.25%
Chambersburg - Waynesboro 30 Year VA Refi 2024-05-16 6.6%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CHAMBERSBURG-WAYNESBORO, PA.

CHAMBERSBURG - WAYNESBORO 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 CHAMBERSBURG-WAYNESBORO, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
PATRIOT 70 6.05% $4,202
Farmers and Merchants Trust Company of Chambersburg 60 6.08% $4,297
QUICKEN LOANS, LLC 53 6.80% $6,968
CROSSCOUNTRY MORTGAGE, LLC 43 6.86% $6,676
UNION HOME MORTGAGE CORP. 36 6.86% $6,914
Orrstown Bank 35 6.58% $5,071
GUILD MORTGAGE COMPANY 29 6.71% $6,737
M&T Bank 27 6.78% $4,318
Integrity Home Mortgage Corp 27 6.77% $8,667
ACNB Bank 24 6.06% $4,189
UNITED WHOLESALE MORTGAGE, LLC 22 6.85% $7,691
NVR Mortgage Finance, Inc. 18 6.48% $6,010
Northpointe Bank 17 6.70% $5,791
Truist 16 6.94% $4,632
HOMESPIRE MORTGAGE CORPORATION 16 6.85% $6,583
CORNING 15 6.33% $4,845
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 7.15% $5,663
FIRST HOME MORTGAGE CORPORATION 15 6.63% $7,729
Fulton Bank 14 6.45% $6,719
HOMEAMERICAN MORTGAGE CORPORATION 13 6.38% $5,436
CNB Bank Inc. 12 6.55% $4,917
Wells Fargo Bank 11 6.49% $3,640
T2 FINANCIAL LLC 10 6.39% $7,363
PENNSYLVANIA STATE EMPLOYEES Credit Union 10 6.14% $2,584
Homesale Mortgage, LLC 9 6.76% $4,824
LOANDEPOT.COM, LLC 8 7.20% $8,032
MEMBERS 1ST FEDERAL CREDIT UNION 8 6.64% $4,397
George Mason Mortgage, LLC 8 6.41% $7,426
NAVY FEDERAL CREDIT UNION 7 6.43% $5,088
MILLENNIUM FINANCIAL GROUP, INC. 7 6.96% $6,130
MOVEMENT MORTGAGE, LLC 7 6.85% $8,750
TIDEWATER MORTGAGE SERVICES, INC. 7 5.70% $5,262
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 6.52% $7,195
Community State Bank of Orbisonia 7 5.52% $3,305
Atlantic Union Bank 6 6.50% $6,113
Plains Commerce Bank 6 6.92% $5,866
CMG MORTGAGE, INC. 6 6.98% $6,560
NEWREZ LLC 5 7.25% $6,285
ENVOY MORTGAGE, LTD 5 6.23% $11,761
CBM Mortgage, Inc. 5 7.05% $6,774
Mr. Cooper ( Nationstar Mortgage ) 5 6.97% $8,021
PENNYMAC LOAN SERVICES, LLC 4 6.16% $6,670
ABSOLUTE HOME MORTGAGE CORPORATION 4 6.99% $5,564
Ally Bank 4 6.63% $7,215
Citizens Bank 4 6.22% $8,910
Meridian Bank Corporation 4 6.47% $6,199
PNC Bank 4 6.66% $6,091
PRIMARY RESIDENTIAL MORTGAGE, INC. 4 7.34% $9,398
Bank of America 4 6.16% $3,478
NFM, INC. 4 6.91% $8,015
PEOPLESBANK, A CODORUS VALLEY COMPANY 4 5.13% $5,213
EMBRACE HOME LOANS, INC. 3 6.63% $4,249
Presidential Bank, FSB 3 6.75% $8,753
DIRECT MORTGAGE LOANS, LLC 3 7.45% $7,872
MidAtlantic Farm Credit, ACA 3 7.22% $4,846
PENTAGON FEDERAL CREDIT UNION 3 6.25% $5,356
1ST ED CREDIT UNION 2 6.60% $5,303
ALLIED MORTGAGE GROUP, INC. 2 7.75% $8,214
AmeriHome Mortgage Company, LLC 2 7.13% $5,128
BROKER SOLUTIONS, INC. 2 7.00% $5,597
CHURCHILL MORTGAGE CORPORATION 2 6.81% $8,007
Flagstar Bank, FSB 2 7.00% $12,155
Foote Capital Mortgage Company 2 7.00% $6,985
FREEDOM MORTGAGE CORPORATION 2 7.63% $8,976
JPMorgan Chase Bank 2 6.50% $8,017
Mortgage Research Center, LLC 2 6.68% $3,583
The Huntington National Bank 2 6.81% $4,912
Morgan Stanley Private Bank 1 5.83% $2,945
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.63% $6,573
NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION 1 7.50% $12,668
LAKEVIEW LOAN SERVICING, LLC 1 6.99% $3,987
Neighborhood Loans, Inc. 1 7.50% $2,905
Network Funding, L.P. 1 6.13% $7,668
LAFAYETTE FEDERAL CREDIT UNION 1 5.50% $4,942
HOMESIDE FINANCIAL, LLC 1 7.38% $11,067
HomePromise Corporation 1 7.13% $8,102
Northwest Bank 1 6.00% $7,625
GUARANTEED RATE, INC. 1 7.50% $8,940
FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION 1 5.50% $3,954
First National Bank of Pennsylvania 1 6.38% $5,315
First Heritage Mortgage, LLC 1 6.38% $4,001
FIRST ALLIANCE HOME MORTGAGE, LLC 1 7.63% $9,397
FIDELITY DIRECT MORTGAGE, LLC 1 7.99% $5,676
EVANSVILLE TEACHERS 1 5.63% $3,326
EMM LOANS LLC 1 6.63% $7,511
Carrington Mortgage Services, LLC 1 6.25% $6,496
BETTER MORTGAGE CORPORATION 1 4.75% $7,974
BELCO COMMUNITY CREDIT UNION 1 6.75% $6,480
BAY CAPITAL MORTGAGE CORPORATION 1 7.25% $5,332
Prosperity Home Mortgage, LLC 1 6.63% $7,493
PROVIDENT FUNDING ASSOCIATES, L.P. 1 7.00% $3,278
Bank of England 1 7.50% $5,267
ROYAL UNITED MORTGAGE LLC 1 7.13% $8,407
Sandy Spring Bank 1 7.38% $4,941
Shore United Bank 1 7.00% $5,917
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 1 6.88% $4,469
State Financial Network, LLC 1 7.13% $3,377
S&T Bank 1 6.00% $4,848
SUN WEST MORTGAGE COMPANY, INC. 1 6.88% $5,229
SWBC MORTGAGE CORPORATION 1 6.63% $10,152
ARC HOME LLC 1 6.25% $7,139
ZILLOW HOME LOANS, LLC 1 6.00% $5,437
The Loan Store, Inc. 1 6.13% $6,092
Third Federal Savings and Loan Association of Cleveland 1 6.34% $295
THRIVE MORTGAGE, LLC 1 6.38% $5,744
AMERISAVE MORTGAGE CORPORATION 1 6.25% $9,758
TJC Mortgage, Inc. 1 5.63% $8,093
TOWER 1 7.63% $12,637
Towne Bank 1 5.88% $4,926
AMERICAN HERITAGE LENDING, INC. 1 9.63% $20,634
TRUMARK FINANCIAL CREDIT UNION 1 7.00% $6,143
Alcova Mortgage LLC 1 7.75% $8,552
A&D Mortgage LLC 1 7.63% $19,193
Univest Bank and Trust Co. 1 6.88% $4,292
USAA Federal Savings Bank 1 7.13% $3,396
Vellum Mortgage, Inc. 1 6.88% $6,681
ACADEMY MORTGAGE CORPORATION 1 6.50% $9,289
MORTGAGE ACCESS CORP. 1 6.75% $5,605

CHAMBERSBURG - WAYNESBORO Average Closing Costs & Other Stats

CHAMBERSBURG-WAYNESBORO, PA's 118 lenders originated 3,099 loans during 2023. The total origination value was $585,675,000, with an average loan value of $188,988.

CHAMBERSBURG - WAYNESBORO's average closing costs are $5,888.

The top CHAMBERSBURG - WAYNESBORO lender as defined by loan originations is PATRIOT, with 70 loans originated. Their average total fees are $4,202, which is $95 lower than the next largest lender, Farmers and Merchants Trust Company of Chambersburg.

The lowest fee CHAMBERSBURG - WAYNESBORO lenders (with over 10 loans originated) are PENNSYLVANIA STATE EMPLOYEES Credit Union ($2,584), Wells Fargo Bank ($3,640), ACNB Bank ($4,189), PATRIOT ($4,202) and Farmers and Merchants Trust Company of Chambersburg ($4,297).

The lowest rate CHAMBERSBURG - WAYNESBORO lenders (with over 10 loans originated) are PATRIOT (6.05%), ACNB Bank (6.06%), Farmers and Merchants Trust Company of Chambersburg (6.08%), PENNSYLVANIA STATE EMPLOYEES Credit Union (6.14%) and CORNING (6.33%).

CHAMBERSBURG-WAYNESBORO, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Farmers and Merchants Trust Company of Chambersburg $64,800,000 $55,730,000 -14.0% 9.5%
Orrstown Bank $50,600,000 $40,420,000 -20.1% 6.9%
PATRIOT $43,470,000 $38,145,000 -12.2% 6.5%
QUICKEN LOANS, LLC $47,485,000 $22,975,000 -51.6% 3.9%
M&T Bank $24,600,000 $22,030,000 -10.4% 3.8%
Barings Multifamily Capital $21,635,000 n/a 3.7%
JONES LANG LASALLE MULTIFAMILY, LLC $9,395,000 $19,045,000 102.7% 3.3%
CROSSCOUNTRY MORTGAGE, LLC $30,260,000 $18,605,000 -38.5% 3.2%
Integrity Home Mortgage Corp $22,895,000 $18,420,000 -19.5% 3.1%
GUILD MORTGAGE COMPANY $23,430,000 $17,965,000 -23.3% 3.1%
UNION HOME MORTGAGE CORP. $21,575,000 $17,320,000 -19.7% 3.0%
ACNB Bank $13,400,000 $14,600,000 9.0% 2.5%
Mortgage Research Center, LLC $15,225,000 $12,750,000 -16.3% 2.2%
UNITED WHOLESALE MORTGAGE, LLC $13,110,000 $12,660,000 -3.4% 2.2%
NVR Mortgage Finance, Inc. $840,000 $10,950,000 1,203.6% 1.9%
Truist $12,410,000 $10,585,000 -14.7% 1.8%
CORNING $13,745,000 $9,025,000 -34.3% 1.5%
Northpointe Bank $15,760,000 $8,130,000 -48.4% 1.4%
HOMEAMERICAN MORTGAGE CORPORATION $405,000 $7,010,000 1,630.9% 1.2%
MEMBERS 1ST FEDERAL CREDIT UNION $8,555,000 $6,290,000 -26.5% 1.1%
HOMESPIRE MORTGAGE CORPORATION $9,220,000 $6,285,000 -31.8% 1.1%
CNB Bank Inc. $10,625,000 $6,195,000 -41.7% 1.1%
PENNYMAC LOAN SERVICES, LLC $6,760,000 $6,175,000 -8.7% 1.1%
Fulton Bank $7,565,000 $6,035,000 -20.2% 1.0%
Community State Bank of Orbisonia $6,280,000 $5,205,000 -17.1% 0.9%
FIRST HOME MORTGAGE CORPORATION $4,975,000 $5,090,000 2.3% 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,240,000 $5,020,000 124.1% 0.9%
George Mason Mortgage, LLC $10,645,000 $4,995,000 -53.1% 0.9%
PENNSYLVANIA STATE EMPLOYEES Credit Union $4,670,000 $4,945,000 5.9% 0.8%
NAVY FEDERAL CREDIT UNION $9,035,000 $4,590,000 -49.2% 0.8%
Homesale Mortgage, LLC $4,970,000 $4,450,000 -10.5% 0.8%
Plains Commerce Bank $1,780,000 $4,450,000 150.0% 0.8%
United Bank $1,860,000 $4,420,000 137.6% 0.8%
T2 FINANCIAL LLC $3,695,000 $4,275,000 15.7% 0.7%
ENVOY MORTGAGE, LTD $4,610,000 $4,015,000 -12.9% 0.7%
Citizens Bank $5,075,000 $3,295,000 -35.1% 0.6%
TIDEWATER MORTGAGE SERVICES, INC. $5,440,000 $3,295,000 -39.4% 0.6%
Wells Fargo Bank $7,725,000 $3,230,000 -58.2% 0.6%
FREEDOM MORTGAGE CORPORATION $8,125,000 $3,090,000 -62.0% 0.5%
LOANDEPOT.COM, LLC $10,240,000 $2,930,000 -71.4% 0.5%
Middletown Valley Bank $8,190,000 $2,925,000 -64.3% 0.5%
MOVEMENT MORTGAGE, LLC $1,175,000 $2,865,000 143.8% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $5,470,000 $2,825,000 -48.4% 0.5%
NEWREZ LLC $5,505,000 $2,785,000 -49.4% 0.5%
1ST ED CREDIT UNION $2,310,000 n/a 0.4%
Bank of America $2,230,000 $2,210,000 -0.9% 0.4%
PNC Bank $5,035,000 $2,160,000 -57.1% 0.4%
MILLENNIUM FINANCIAL GROUP, INC. $2,350,000 $2,155,000 -8.3% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $4,170,000 $2,120,000 -49.2% 0.4%
DIRECT MORTGAGE LOANS, LLC $650,000 $1,910,000 193.8% 0.3%
CMG MORTGAGE, INC. $105,000 $1,835,000 1,647.6% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $735,000 $1,820,000 147.6% 0.3%
AMERISAVE MORTGAGE CORPORATION $1,825,000 $1,810,000 -0.8% 0.3%
EMBRACE HOME LOANS, INC. $2,875,000 $1,760,000 -38.8% 0.3%
PENTAGON FEDERAL CREDIT UNION $1,570,000 $1,725,000 9.9% 0.3%
NFM, INC. $5,285,000 $1,710,000 -67.6% 0.3%
BROKER SOLUTIONS, INC. $2,555,000 $1,635,000 -36.0% 0.3%
ABSOLUTE HOME MORTGAGE CORPORATION $510,000 $1,455,000 185.3% 0.2%
Meridian Bank Corporation $820,000 $1,410,000 72.0% 0.2%
Atlantic Union Bank $2,780,000 $1,390,000 -50.0% 0.2%
CBM Mortgage, Inc. $2,555,000 $1,340,000 -47.6% 0.2%
USAA Federal Savings Bank $5,095,000 $1,275,000 -75.0% 0.2%
Ally Bank $500,000 $1,235,000 147.0% 0.2%
The Juniata Valley Bank $415,000 $1,220,000 194.0% 0.2%
MidAtlantic Farm Credit, ACA $3,830,000 $1,195,000 -68.8% 0.2%
Discover Bank $1,005,000 $1,175,000 16.9% 0.2%
The Huntington National Bank $1,110,000 $1,080,000 -2.7% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $765,000 $1,045,000 36.6% 0.2%
Flagstar Bank, FSB $2,910,000 $1,030,000 -64.6% 0.2%
NEW DAY FINANCIAL, LLC $2,290,000 $990,000 -56.8% 0.2%
LAKEVIEW LOAN SERVICING, LLC $1,010,000 $980,000 -3.0% 0.2%
NBKC BANK $575,000 $935,000 62.6% 0.2%
First Federal Bank $235,000 $925,000 293.6% 0.2%
Foote Capital Mortgage Company $1,485,000 $920,000 -38.0% 0.2%
First Heritage Mortgage, LLC $895,000 n/a 0.2%
U.S. Bank $2,975,000 $885,000 -70.3% 0.2%
VILLAGE CAPITAL MORTGAGE $1,395,000 $885,000 -36.6% 0.2%
CLEARPATH LENDING $380,000 $870,000 128.9% 0.1%
PEOPLESBANK, A CODORUS VALLEY COMPANY $12,810,000 $860,000 -93.3% 0.1%
Towne Bank $2,640,000 $840,000 -68.2% 0.1%
Shore United Bank $215,000 $825,000 283.7% 0.1%
Neighborhood Loans, Inc. $820,000 n/a 0.1%
Alcova Mortgage LLC $155,000 $815,000 425.8% 0.1%
JPMorgan Chase Bank $2,720,000 $805,000 -70.4% 0.1%
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED $970,000 $800,000 -17.5% 0.1%
A&D Mortgage LLC $405,000 $790,000 95.1% 0.1%
Coastal Community Bank $790,000 n/a 0.1%
Prosperity Home Mortgage, LLC $1,670,000 $765,000 -54.2% 0.1%
Presidential Bank, FSB $1,460,000 $750,000 -48.6% 0.1%
HomePromise Corporation $1,070,000 $745,000 -30.4% 0.1%
Network Funding, L.P. $1,740,000 $735,000 -57.8% 0.1%
Sierra Pacific Mortgage Company, Inc. $1,285,000 $705,000 -45.1% 0.1%
York Traditions Bank $1,385,000 $705,000 -49.1% 0.1%
AmeriHome Mortgage Company, LLC $750,000 $695,000 -7.3% 0.1%
21ST MORTGAGE CORPORATION $555,000 $680,000 22.5% 0.1%
Bank of Bird-in-Hand $665,000 n/a 0.1%
ACADEMY MORTGAGE CORPORATION $940,000 $660,000 -29.8% 0.1%
PLANET HOME LENDING, LLC $2,120,000 $660,000 -68.9% 0.1%
First United Corporation $2,650,000 $655,000 -75.3% 0.1%
BAY CAPITAL MORTGAGE CORPORATION $3,475,000 $650,000 -81.3% 0.1%
ROYAL UNITED MORTGAGE LLC $180,000 $640,000 255.6% 0.1%
TRIAD FINANCIAL SERVICES, INC. $410,000 $640,000 56.1% 0.1%
BETTER MORTGAGE CORPORATION $1,515,000 $635,000 -58.1% 0.1%
BELCO COMMUNITY CREDIT UNION $920,000 $610,000 -33.7% 0.1%
NYMEO FEDERAL CREDIT UNION $385,000 $610,000 58.4% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $95,000 $600,000 531.6% 0.1%
TOWER $830,000 $600,000 -27.7% 0.1%
FINANCE OF AMERICA REVERSE LLC $595,000 n/a 0.1%
Univest Bank and Trust Co. $1,240,000 $590,000 -52.4% 0.1%
NORWICH COMMERCIAL GROUP, INC. $520,000 $580,000 11.5% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $560,000 n/a 0.1%
EMM LOANS LLC $480,000 $555,000 15.6% 0.1%
CHURCHILL MORTGAGE CORPORATION $580,000 $540,000 -6.9% 0.1%
RADIUS FINANCIAL GROUP INC. $540,000 n/a 0.1%
First National Bank of Pennsylvania $800,000 $535,000 -33.1% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $530,000 n/a 0.1%
Morgan Stanley Private Bank $435,000 $515,000 18.4% 0.1%
AMERICAN HERITAGE LENDING, INC. $475,000 n/a 0.1%
City National Bank of West Virginia $205,000 $470,000 129.3% 0.1%
ZILLOW HOME LOANS, LLC $820,000 $470,000 -42.7% 0.1%
RF Renovo Management Company, LLC $465,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $455,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $195,000 $450,000 130.8% 0.1%
S&T Bank $85,000 $450,000 429.4% 0.1%
FIRST ALLIANCE HOME MORTGAGE, LLC $430,000 n/a 0.1%
MILEND, INC. $530,000 $420,000 -20.8% 0.1%
MORTGAGE ACCESS CORP. $415,000 n/a 0.1%
Northwest Bank $965,000 $410,000 -57.5% 0.1%
GUARANTEED RATE, INC. $795,000 $395,000 -50.3% 0.1%
TEMPLE VIEW CAPITAL FUNDING, LP $390,000 n/a 0.1%
Carrington Mortgage Services, LLC $1,995,000 $380,000 -81.0% 0.1%
Old National Bank $380,000 n/a 0.1%
POLARIS HOME FUNDING CORP. $185,000 $380,000 105.4% 0.1%
TOP FLITE FINANCIAL, INC. $1,115,000 $370,000 -66.8% 0.1%
RELIANCE FIRST CAPITAL, LLC $440,000 $360,000 -18.2% 0.1%
LOANLEADERS OF AMERICA, INC. $355,000 n/a 0.1%
ALLIED MORTGAGE GROUP, INC. $345,000 $340,000 -1.4% 0.1%
Atlantic Coast Mortgage, LLC $155,000 $340,000 119.4% 0.1%
Barrington Bank & Trust Company, N.A. $1,010,000 $335,000 -66.8% 0.1%
GUARANTEED RATE AFFINITY, LLC $2,910,000 $315,000 -89.2% 0.1%
Sandy Spring Bank $955,000 $315,000 -67.0% 0.1%
Third Federal Savings and Loan Association of Cleveland $260,000 $310,000 19.2% 0.1%
Equity Prime Mortgage LLC $495,000 $305,000 -38.4% 0.1%
NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION $305,000 n/a 0.1%
The Federal Savings Bank $520,000 $305,000 -41.3% 0.1%
HOMESIDE FINANCIAL, LLC $740,000 $300,000 -59.5% 0.1%
THRIVE MORTGAGE, LLC $300,000 n/a 0.1%
Century Mortgage Company DBA Century Lending Company $295,000 n/a 0.1%
CALIBER HOME LOANS, INC. $2,615,000 $285,000 -89.1% 0.0%
Fifth Third Bank $1,390,000 $285,000 -79.5% 0.0%
Mid-Continent Funding, Inc. $285,000 n/a 0.0%
LAFAYETTE FEDERAL CREDIT UNION $275,000 n/a 0.0%
Magnolia Bank $500,000 $275,000 -45.0% 0.0%
PLAZA HOME MORTGAGE, INC. $275,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $255,000 $275,000 7.8% 0.0%
Vellum Mortgage, Inc. $275,000 n/a 0.0%
ARC HOME LLC $265,000 n/a 0.0%
Kish Bank $285,000 $265,000 -7.0% 0.0%
OCMBC, INC. $285,000 $260,000 -8.8% 0.0%
Paramount Residential Mortgage Group, Inc. $215,000 $255,000 18.6% 0.0%
SWBC MORTGAGE CORPORATION $325,000 $255,000 -21.5% 0.0%
AMERICAN FINANCING CORPORATION $1,610,000 $245,000 -84.8% 0.0%
Figure Lending LLC $245,000 n/a 0.0%
CIVIC FINANCIAL SERVICES, LLC $6,910,000 $240,000 -96.5% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $835,000 $235,000 -71.9% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $235,000 n/a 0.0%
The Dime Bank $235,000 n/a 0.0%
Keystone Funding, Inc. $225,000 n/a 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,150,000 $225,000 -80.4% 0.0%
SOMERSET TRUST COMPANY $115,000 $225,000 95.7% 0.0%
Stifel Bank and Trust $225,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,550,000 $215,000 -86.1% 0.0%
FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION $1,470,000 $215,000 -85.4% 0.0%
Bank of England $330,000 $205,000 -37.9% 0.0%
State Financial Network, LLC $205,000 n/a 0.0%
TJC Mortgage, Inc. $965,000 $195,000 -79.8% 0.0%
The Bank of Landisburg $420,000 $180,000 -57.1% 0.0%
Signature Federal Credit Union $175,000 n/a 0.0%
The Loan Store, Inc. $175,000 n/a 0.0%
WesBanco $1,485,000 $175,000 -88.2% 0.0%
THE MORTGAGE LINK, INC. $815,000 $165,000 -79.8% 0.0%
VAN DYK MORTGAGE CORPORATION $165,000 n/a 0.0%
NJ LENDERS CORP. $155,000 n/a 0.0%
Baxter Credit Union $540,000 $145,000 -73.1% 0.0%
FIDELITY DIRECT MORTGAGE, LLC $570,000 $145,000 -74.6% 0.0%
MICHIGAN MUTUAL, INC. $155,000 $145,000 -6.5% 0.0%
TRUMARK FINANCIAL CREDIT UNION $330,000 $145,000 -56.1% 0.0%
LENDINGHOME FUNDING CORPORATION $240,000 $135,000 -43.8% 0.0%
Mid Penn Bank $405,000 $135,000 -66.7% 0.0%
Service Federal Credit Union $135,000 n/a 0.0%
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania $125,000 n/a 0.0%
SPRING EQ, LLC $605,000 $110,000 -81.8% 0.0%
EVANSVILLE TEACHERS $85,000 n/a 0.0%
Pennian Bank $4,160,000 $85,000 -98.0% 0.0%
Ballston Spa National Bank $75,000 n/a 0.0%
First Commonwealth Federal Credit Union $75,000 n/a 0.0%
FIRST CREDIT CORPORATION OF NEW YORK, INC. $75,000 n/a 0.0%
NEXTMARK $75,000 n/a 0.0%
Centier Bank $65,000 n/a 0.0%
DIGITAL Federal Credit Union $65,000 n/a 0.0%
Lakeview Community Capital, LLC $45,000 $65,000 44.4% 0.0%
UTILITIES EMPLOYEES CREDIT UNION $90,000 $55,000 -38.9% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $165,000 $55,000 -66.7% 0.0%
Members Choice Financial Credit Union $45,000 n/a 0.0%
RIVERFRONT $155,000 $35,000 -77.4% 0.0%
SkyPoint Federal Credit Union $25,000 $25,000 0.0% 0.0%

CHAMBERSBURG - WAYNESBORO's top lender by overall market share is Farmers and Merchants Trust Company of Chambersburg, with 9.5% market share. In second place, with 6.9%, is Orrstown Bank, having originated $40,420,000 in loans. In third place, with 6.5%, is PATRIOT, having originated $38,145,000 in loans. In fourth place, with 3.9%, is QUICKEN LOANS, LLC, having originated $22,975,000 in loans. In fifth place, with 3.8%, is M&T Bank, having originated $22,030,000 in loans.


CHAMBERSBURG - WAYNESBORO Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - CHAMBERSBURG - WAYNESBORO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $202,490 (3.5%) $225,896 (4.0%) 0.75 601
2018-02-01 $199,945 (0.0%) $225,073 (0.6%) 0.73 580
2018-03-01 $204,900 (2.5%) $230,153 (1.2%) 0.72 604
2018-04-01 $199,900 (0.0%) $229,332 (0.7%) 0.68 663
2018-05-01 $204,700 (0.2%) $236,755 (1.7%) 0.68 678
2018-06-01 $206,990 (0.6%) $239,430 (1.9%) 0.69 690
2018-07-01 $202,450 (-2.4%) $241,770 (3.0%) 0.68 678
2018-08-01 $208,723 (-0.4%) $244,751 (2.6%) 0.70 684
2018-09-01 $213,445 (3.7%) $245,385 (4.4%) 0.72 655
2018-10-01 $209,923 (1.1%) $240,188 (1.3%) 0.71 653
2018-11-01 $204,950 (2.5%) $238,730 (4.0%) 0.69 628
2018-12-01 $202,990 (-0.9%) $243,382 (6.4%) 0.70 587
2019-01-01 $200,748 (-0.9%) $240,506 (6.5%) 0.69 565
2019-02-01 $214,900 (7.5%) $240,921 (7.0%) 0.73 552
2019-03-01 $214,243 (4.6%) $239,964 (4.3%) 0.70 550
2019-04-01 $219,950 (10.0%) $240,321 (4.8%) 0.70 533
2019-05-01 $224,900 (9.9%) $242,427 (2.4%) 0.70 546
2019-06-01 $219,900 (6.2%) $240,919 (0.6%) 0.69 551
2019-07-01 $219,900 (8.6%) $240,359 (-0.6%) 0.69 533
2019-08-01 $219,452 (5.1%) $239,133 (-2.3%) 0.69 523
2019-09-01 $218,630 (2.4%) $238,055 (-3.0%) 0.70 512
2019-10-01 $218,081 (3.9%) $237,337 (-1.2%) 0.70 509
2019-11-01 $217,000 (5.9%) $237,647 (-0.5%) 0.71 491
2019-12-01 $219,400 (8.1%) $241,698 (-0.7%) 0.73 440
2020-01-01 $222,675 (10.9%) $244,711 (1.8%) 0.74 405
2020-02-01 $225,495 (4.9%) $249,651 (3.6%) 0.74 394
2020-03-01 $226,400 (5.7%) $253,037 (5.5%) 0.71 379
2020-04-01 $229,925 (4.5%) $263,245 (9.5%) 0.72 343
2020-05-01 $229,900 (2.2%) $262,968 (8.5%) 0.70 355
2020-06-01 $230,173 (4.7%) $264,338 (9.7%) 0.68 328
2020-07-01 $239,225 (8.8%) $276,628 (15.1%) 0.69 284
2020-08-01 $239,900 (9.3%) $283,238 (18.4%) 0.69 234
2020-09-01 $234,975 (7.5%) $283,788 (19.2%) 0.67 205
2020-10-01 $224,900 (3.1%) $281,537 (18.6%) 0.64 213
2020-11-01 $229,900 (5.9%) $274,128 (15.4%) 0.67 199
2020-12-01 $228,200 (4.0%) $280,435 (16.0%) 0.68 158
2021-01-01 $245,000 (10.0%) $286,641 (17.1%) 0.73 138
2021-02-01 $244,900 (8.6%) $284,241 (13.9%) 0.71 131
2021-03-01 $243,725 (7.7%) $288,703 (14.1%) 0.69 125
2021-04-01 $241,850 (5.2%) $285,987 (8.6%) 0.65 148
2021-05-01 $249,550 (8.6%) $296,171 (12.6%) 0.66 146
2021-06-01 $243,550 (5.8%) $293,014 (10.9%) 0.64 183
2021-07-01 $247,000 (3.3%) $294,414 (6.4%) 0.65 226
2021-08-01 $232,450 (-3.1%) $290,887 (2.7%) 0.62 222
2021-09-01 $234,950 (0.0%) $281,414 (-0.8%) 0.63 230
2021-10-01 $239,950 (6.7%) $283,784 (0.8%) 0.64 216
2021-11-01 $241,250 (4.9%) $284,316 (3.7%) 0.64 193
2021-12-01 $258,745 (13.4%) $290,171 (3.5%) 0.70 178
2022-01-01 $270,895 (10.6%) $300,962 (5.0%) 0.73 168
2022-02-01 $269,900 (10.2%) $302,054 (6.3%) 0.70 155
2022-03-01 $287,375 (17.9%) $313,578 (8.6%) 0.72 143
2022-04-01 $314,999 (30.3%) $339,107 (18.6%) 0.75 154
2022-05-01 $317,350 (27.2%) $337,946 (14.1%) 0.73 175
2022-06-01 $325,000 (33.4%) $344,538 (17.6%) 0.72 187
2022-07-01 $329,950 (33.6%) $344,415 (17.0%) 0.74 199
2022-08-01 $303,125 (30.4%) $335,588 (15.4%) 0.70 224
2022-09-01 $299,450 (27.5%) $332,600 (18.2%) 0.70 233
2022-10-01 $289,900 (20.8%) $352,303 (24.1%) 0.68 239
2022-11-01 $293,695 (21.7%) $353,058 (24.2%) 0.71 258
2022-12-01 $289,900 (12.0%) $352,258 (21.4%) 0.72 228
2023-01-01 $298,250 (10.1%) $376,553 (25.1%) 0.74 197
2023-02-01 $310,245 (15.0%) $392,537 (30.0%) 0.75 169
2023-03-01 $311,495 (8.4%) $400,828 (27.8%) 0.73 153
2023-04-01 $324,900 (3.1%) $408,313 (20.4%) 0.76 174
2023-05-01 $302,675 (-4.6%) $395,969 (17.2%) 0.69 176
2023-06-01 $312,923 (-3.7%) $395,667 (14.8%) 0.70 187
2023-07-01 $310,990 (-5.8%) $392,409 (13.9%) 0.71 196
2023-08-01 $325,750 (7.5%) $395,769 (17.9%) 0.75 193
2023-09-01 $325,000 (8.5%) $394,280 (18.6%) 0.76 207
2023-10-01 $335,108 (15.6%) $373,087 (5.9%) 0.79 219
2023-11-01 $317,675 (8.2%) $351,675 (-0.4%) 0.76 229
2023-12-01 $300,000 (3.5%) $348,178 (-1.2%) 0.73 200
2024-01-01 $312,500 (4.8%) $352,978 (-6.3%) 0.76 193
2024-02-01 $318,950 (2.8%) $358,262 (-8.7%) 0.77 180
2024-03-01 $315,000 (1.1%) $353,718 (-11.8%) 0.74 179
2024-04-01 $317,445 (-2.3%) $359,233 (-12.0%) 0.74 180
CHAMBERSBURG - WAYNESBORO's median listing price for 2024-04-01 was $317,445, a difference of $-7,455 (-2.3%) versus the prior year and $2,445 versus the prior month.

CHAMBERSBURG - WAYNESBORO's median listing price comes in at 74% of the national average.

CHAMBERSBURG - WAYNESBORO's average listing price for 2024-04-01 was $359,233, a difference of $-49,080 (-12.0%) versus the prior year and $5,515 versus the prior month.

For the 2024-04-01 period, CHAMBERSBURG - WAYNESBORO had 180 MLS listings, a difference of 1 listings (1%) versus the prior month and 6 listings (3%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - CHAMBERSBURG - WAYNESBORO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 90 days 1,902 sqft
2018-02-01 97 days 1,875 sqft
2018-03-01 67 days 1,854 sqft
2018-04-01 52 days 1,800 sqft
2018-05-01 59 days 1,862 sqft
2018-06-01 64 days 1,958 sqft
2018-07-01 71 days 1,991 sqft
2018-08-01 72 days 2,005 sqft
2018-09-01 73 days 2,067 sqft
2018-10-01 68 days 2,000 sqft
2018-11-01 71 days 1,956 sqft
2018-12-01 81 days 1,928 sqft
2019-01-01 89 days 1,918 sqft
2019-02-01 91 days 1,916 sqft
2019-03-01 74 days 1,920 sqft
2019-04-01 55 days 1,931 sqft
2019-05-01 56 days 2,000 sqft
2019-06-01 59 days 2,000 sqft
2019-07-01 65 days 1,988 sqft
2019-08-01 66 days 1,990 sqft
2019-09-01 66 days 1,988 sqft
2019-10-01 65 days 1,986 sqft
2019-11-01 68 days 2,000 sqft
2019-12-01 78 days 2,037 sqft
2020-01-01 83 days 2,043 sqft
2020-02-01 77 days 2,076 sqft
2020-03-01 56 days 2,027 sqft
2020-04-01 69 days 2,067 sqft
2020-05-01 80 days 2,046 sqft
2020-06-01 64 days 1,976 sqft
2020-07-01 40 days 1,978 sqft
2020-08-01 38 days 2,000 sqft
2020-09-01 36 days 1,980 sqft
2020-10-01 48 days 1,971 sqft
2020-11-01 50 days 1,931 sqft
2020-12-01 56 days 1,865 sqft
2021-01-01 59 days 1,906 sqft
2021-02-01 51 days 1,919 sqft
2021-03-01 44 days 1,972 sqft
2021-04-01 30 days 1,919 sqft
2021-05-01 33 days 1,950 sqft
2021-06-01 38 days 1,855 sqft
2021-07-01 38 days 1,871 sqft
2021-08-01 41 days 1,842 sqft
2021-09-01 41 days 1,761 sqft
2021-10-01 44 days 1,750 sqft
2021-11-01 45 days 1,744 sqft
2021-12-01 52 days 1,759 sqft
2022-01-01 65 days 1,772 sqft
2022-02-01 65 days 1,729 sqft
2022-03-01 51 days 1,771 sqft
2022-04-01 37 days 1,840 sqft
2022-05-01 39 days 1,954 sqft
2022-06-01 42 days 1,914 sqft
2022-07-01 45 days 1,954 sqft
2022-08-01 44 days 1,927 sqft
2022-09-01 48 days 1,969 sqft
2022-10-01 46 days 1,914 sqft
2022-11-01 47 days 1,863 sqft
2022-12-01 54 days 1,822 sqft
2023-01-01 73 days 1,892 sqft
2023-02-01 70 days 1,887 sqft
2023-03-01 44 days 1,903 sqft
2023-04-01 31 days 1,950 sqft
2023-05-01 33 days 1,930 sqft
2023-06-01 40 days 1,924 sqft
2023-07-01 35 days 1,972 sqft
2023-08-01 33 days 1,945 sqft
2023-09-01 37 days 1,943 sqft
2023-10-01 43 days 1,922 sqft
2023-11-01 48 days 1,903 sqft
2023-12-01 56 days 1,900 sqft
2024-01-01 54 days 1,902 sqft
2024-02-01 42 days 1,900 sqft
2024-03-01 33 days 1,900 sqft
2024-04-01 35 days 1,882 sqft
CHAMBERSBURG - WAYNESBORO's median listing age (time on market) for 2024-04-01 was 35 days. This is 11% longer than the same period one year ago.

CHAMBERSBURG - WAYNESBORO's median square footage for active listings during the 2024-04-01 period was 1,882 sqft. One year prior, the average listing was 1,950 sqft.

CHAMBERSBURG-WAYNESBORO, PA Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
17021 Chambersburg-Waynesboro, PA MSA $660 $760 $970 $1,230 $1,320
17201 Chambersburg-Waynesboro, PA MSA $820 $830 $1,060 $1,430 $1,560
17202 Chambersburg-Waynesboro, PA MSA $890 $900 $1,150 $1,560 $1,690
17210 Chambersburg-Waynesboro, PA MSA $670 $700 $890 $1,180 $1,270
17214 Chambersburg-Waynesboro, PA MSA $640 $650 $850 $1,150 $1,210
17217 Chambersburg-Waynesboro, PA MSA $800 $800 $1,030 $1,390 $1,510
17219 Chambersburg-Waynesboro, PA MSA $650 $740 $930 $1,200 $1,250
17220 Chambersburg-Waynesboro, PA MSA $800 $800 $1,030 $1,390 $1,510
17221 Chambersburg-Waynesboro, PA MSA $640 $650 $850 $1,150 $1,210
17222 Chambersburg-Waynesboro, PA MSA $830 $840 $1,070 $1,450 $1,580
17224 Chambersburg-Waynesboro, PA MSA $640 $650 $850 $1,150 $1,210
17225 Chambersburg-Waynesboro, PA MSA $890 $900 $1,150 $1,560 $1,690
17232 Chambersburg-Waynesboro, PA MSA $800 $800 $1,030 $1,390 $1,510
17233 Chambersburg-Waynesboro, PA MSA $800 $800 $1,030 $1,390 $1,510
17235 Chambersburg-Waynesboro, PA MSA $1,050 $1,050 $1,350 $1,830 $1,980
17236 Chambersburg-Waynesboro, PA MSA $780 $790 $1,010 $1,370 $1,480
17237 Chambersburg-Waynesboro, PA MSA $890 $900 $1,150 $1,560 $1,690
17240 Chambersburg-Waynesboro, PA MSA $850 $940 $1,190 $1,540 $1,630
17244 Chambersburg-Waynesboro, PA MSA $920 $930 $1,190 $1,610 $1,750
17246 Chambersburg-Waynesboro, PA MSA $890 $900 $1,150 $1,560 $1,690
17247 Chambersburg-Waynesboro, PA MSA $820 $820 $1,050 $1,420 $1,540
17250 Chambersburg-Waynesboro, PA MSA $820 $820 $1,050 $1,420 $1,540
17251 Chambersburg-Waynesboro, PA MSA $840 $860 $1,090 $1,470 $1,590
17252 Chambersburg-Waynesboro, PA MSA $640 $650 $850 $1,150 $1,210
17254 Chambersburg-Waynesboro, PA MSA $890 $900 $1,150 $1,560 $1,690
17256 Chambersburg-Waynesboro, PA MSA $890 $900 $1,150 $1,560 $1,690
17257 Chambersburg-Waynesboro, PA MSA $800 $880 $1,110 $1,450 $1,540
17261 Chambersburg-Waynesboro, PA MSA $800 $800 $1,030 $1,390 $1,510
17262 Chambersburg-Waynesboro, PA MSA $640 $650 $850 $1,150 $1,210
17263 Chambersburg-Waynesboro, PA MSA $840 $840 $1,080 $1,470 $1,590
17265 Chambersburg-Waynesboro, PA MSA $830 $840 $1,070 $1,450 $1,570
17268 Chambersburg-Waynesboro, PA MSA $820 $820 $1,050 $1,420 $1,540
17270 Chambersburg-Waynesboro, PA MSA $890 $900 $1,150 $1,560 $1,690
17271 Chambersburg-Waynesboro, PA MSA $660 $660 $850 $1,150 $1,250
17272 Chambersburg-Waynesboro, PA MSA $820 $820 $1,050 $1,420 $1,540

2022 Average & Median Rent Data Statistics
CHAMBERSBURG-WAYNESBORO, PA average 1BR rent: $814, median: $820
CHAMBERSBURG-WAYNESBORO, PA average 2BR rent: $1,043, median: $1,050
CHAMBERSBURG-WAYNESBORO, PA average 3BR rent: $1,404, median: $1,420

CHAMBERSBURG-WAYNESBORO, PA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,543 $373,775,000 $242,239
Home Improvement 453 $30,485,000 $67,296
Refi 437 $82,035,000 $187,723
Other 426 $33,390,000 $78,380
Cash Out Refi 240 $65,990,000 $274,958

Chambersburg - Waynesboro's most frequently cited loan purpose was Home Purchase, with 1,543 originations. The 2nd most popular reason was Home Improvement, with 453 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,123 $230,745,000 $205,472
5-6% 689 $165,645,000 $240,414
7-8% 548 $105,080,000 $191,752
Over 8% 396 $40,160,000 $101,414
4-5% 224 $31,700,000 $141,518
<2.5% 49 $2,525,000 $51,531
3-4% 21 $3,555,000 $169,286

During 2023, Chambersburg - Waynesboro's most frequently originated rate bucket was 6-7%, with 1,123 originations.

Loan Sizing (CHAMBERSBURG-WAYNESBORO, PA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,055 $283,515,000 $268,735
$100,000 or less 960 $47,380,000 $49,354
$100k-200k 943 $140,675,000 $149,178
$400k-600k 118 $54,440,000 $461,356
$600k-1000k 18 $12,510,000 $695,000
$Over $1MM 5 $47,155,000 $9,431,000

CHAMBERSBURG - WAYNESBORO's loan sizing saw the bucket of loans from $200k-400k with 1,055 originations, totaling $283,515,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,165 $295,625,000 $253,755
20-40% 537 $49,735,000 $92,616
Under 20% 532 $19,350,000 $36,372
60-80% 517 $161,945,000 $313,240
40-60% 257 $40,655,000 $158,191
Over 100% 34 $10,040,000 $295,294

CHAMBERSBURG - WAYNESBORO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,165 originations, totaling $295,625,000 in origination value.