CHAMBERSBURG - WAYNESBORO Mortgage Rates

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

30 Year Fixed Rate mortgages in Chambersburg - Waynesboro averaged 5.61% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.92% and one month ago for the week of 2022-05-26, the average rate was 5.21%.

Chambersburg - Waynesboro's average rate one year ago was 3.36%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.93%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Chambersburg - Waynesboro 30 Year Fixed Rate 2022-06-30 5.61%
Chambersburg - Waynesboro 30 Year Fixed Rate Refi 2022-06-30 5.93%
Chambersburg - Waynesboro 15 Year Fixed Rate 2022-06-30 4.99%
Chambersburg - Waynesboro 15 Year Fixed Rate Refi 2022-06-30 5.21%
Chambersburg - Waynesboro 30 Year FHA 2022-06-30 5.47%
Chambersburg - Waynesboro 30 Year FHA Refi 2022-06-30 5.89%
Chambersburg - Waynesboro 30 Year USDA 2022-06-30 5.71%
Chambersburg - Waynesboro 30 Year USDA Refi 2022-06-30 5.33%
Chambersburg - Waynesboro 30 Year VA 2022-06-30 5.49%
Chambersburg - Waynesboro 30 Year VA Refi 2022-06-30 5.09%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 204 3.06% $5,478
PATRIOT 183 2.87% $3,673
Farmers and Merchants Trust Company of Chambersburg 139 2.81% $3,677
Orrstown Bank 115 3.19% $3,517
CROSSCOUNTRY MORTGAGE, LLC 109 3.15% $4,516
Wells Fargo Bank 62 3.15% $3,969
UNION HOME MORTGAGE CORP. 56 3.15% $4,620
Integrity Home Mortgage Corp 52 3.15% $5,133
Northpointe Bank 52 3.13% $4,029
RESIDENTIAL MORTGAGE SERVICES, INC. 51 3.23% $4,500
NEWREZ LLC 40 3.15% $4,565
LOANDEPOT.COM, LLC 37 3.18% $5,929
George Mason Mortgage, LLC 37 3.09% $5,194
Fulton Bank 33 3.04% $4,805
Manufacturers and Traders Trust Company 29 3.14% $4,595
ACNB Bank 27 3.19% $3,978
PENNYMAC LOAN SERVICES, LLC 26 3.26% $6,055
CORNING 23 2.93% $4,565
MEMBERS 1ST FEDERAL CREDIT UNION 22 3.19% $3,703
UNITED WHOLESALE MORTGAGE, LLC 20 2.94% $5,798
Truist Bank 20 2.94% $3,826
Mr. Cooper ( Nationstar Mortgage ) 18 3.40% $6,090
AMERISAVE MORTGAGE CORPORATION 18 2.94% $4,681
GUILD MORTGAGE COMPANY 17 3.26% $4,055
PRIMELENDING, A PLAINSCAPITAL COMPANY 17 3.14% $6,119
Plains Commerce Bank 17 3.16% $4,401
CNB Bank Inc. 17 3.30% $3,620
JPMorgan Chase Bank 15 2.97% $3,858
FIRST HOME MORTGAGE CORPORATION 14 3.26% $4,476
Homesale Mortgage, LLC 13 3.06% $3,840
Citizens Bank 13 2.99% $5,399
NAVY FEDERAL CREDIT UNION 13 3.25% $5,382
DHI MORTGAGE COMPANY, LTD. 13 2.93% $4,983
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 13 3.05% $4,211
U.S. Bank 12 3.06% $3,081
Bank of America 12 2.90% $4,496
MILLENNIUM FINANCIAL GROUP, INC. 12 3.15% $3,829
BETTER MORTGAGE CORPORATION 12 2.98% $4,225
AMERICAN FINANCING CORPORATION 11 3.03% $5,113
TIDEWATER MORTGAGE SERVICES, INC. 11 3.06% $4,346
PNC Bank 11 3.03% $4,992
Community State Bank of Orbisonia 10 2.76% $2,856
HOMESPIRE MORTGAGE CORPORATION 10 3.20% $4,931
MCLEAN MORTGAGE CORPORATION 10 2.92% $4,491
FREEDOM MORTGAGE CORPORATION 9 3.32% $3,868
Flagstar Bank, FSB 8 3.44% $4,834
HOME POINT FINANCIAL CORPORATION 8 3.22% $4,956
Towne Bank 8 3.03% $5,783
CALIBER HOME LOANS, INC. 8 3.16% $4,047
PENTAGON FEDERAL CREDIT UNION 8 2.89% $2,788
Atlantic Union Bank 8 3.23% $4,251
EMBRACE HOME LOANS, INC. 8 3.12% $4,772
SOUTHERN TRUST MORTGAGE, LLC 7 3.16% $5,325
Prosperity Home Mortgage, LLC 7 3.14% $4,901
ACADEMY MORTGAGE CORPORATION 7 3.27% $4,076
BROKER SOLUTIONS, INC. 7 2.88% $4,491
T2 FINANCIAL LLC 7 3.41% $6,053
InterContinental Capital Group, Inc 7 3.02% $5,141
GUARANTEED RATE, INC. 7 2.98% $4,574
Network Funding, L.P. 6 3.44% $5,091
Keystone Funding, Inc. 6 3.23% $5,752
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 3.15% $4,696
HOMESIDE FINANCIAL, LLC 6 3.10% $7,302
SECURITYNATIONAL MORTGAGE COMPANY 6 3.69% $4,693
Foote Capital Mortgage Company 6 3.06% $3,676
PENNSYLVANIA STATE EMPLOYEES Credit Union 5 3.18% $2,268
CREDIT UNION MORTGAGE ASSOCIATION, INC. 5 3.05% $4,607
ZILLOW HOME LOANS, LLC 5 2.98% $4,951
Sierra Pacific Mortgage Company, Inc. 5 3.03% $8,190
Presidential Bank, FSB 4 3.12% $6,036
BAY CAPITAL MORTGAGE CORPORATION 4 3.03% $3,976
CBM Mortgage, Inc. 4 3.19% $4,046
EMM LOANS LLC 4 2.93% $6,849
EQUITY RESOURCES, INC. 4 2.91% $4,710
FIDELITY DIRECT MORTGAGE, LLC 4 2.94% $6,317
LAKEVIEW LOAN SERVICING, LLC 4 3.59% $3,469
MOVEMENT MORTGAGE, LLC 4 3.28% $4,251
MUTUAL OF OMAHA MORTGAGE, INC. 4 3.25% $4,376
NFM, INC. 4 3.03% $4,420
PROVIDENT FUNDING ASSOCIATES, L.P. 4 2.97% $2,915
ROYAL UNITED MORTGAGE LLC 4 3.38% $6,477
Wyndham Capital Mortgage, Inc. 4 3.15% $5,435
Mortgage Network, Inc. 3 2.99% $5,078
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 3 2.96% $4,243
KELLER MORTGAGE, LLC 3 3.08% $3,637
Mortgage Research Center, LLC 3 2.88% $4,701
Meridian Bank Corporation 2 3.00% $4,345
MILEND, INC. 2 3.38% $9,450
NETWORK CAPITAL FUNDING CORPORATION 2 3.50% $6,585
Discover Bank 2 4.87% $0
PLANET HOME LENDING, LLC 2 2.94% $1,988
The Ephrata National Bank 2 3.38% $5,467
Citibank 2 2.50% $6,533
FINANCE OF AMERICA MORTGAGE LLC 2 3.00% $4,768
TIAA, FSB 2 2.93% $2,092
APEX HOME LOANS, INC. 2 2.94% $6,141
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.19% $6,491
AmeriHome Mortgage Company, LLC 2 3.06% $4,218
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.19% $6,360
Princeton Mortgage Corporation 2 3.00% $10,880
CHURCHILL MORTGAGE CORPORATION 2 3.25% $3,881
Northwest Federal Credit Union 2 2.69% $3,938
KeyBank 2 3.00% $4,335
NYMEO FEDERAL CREDIT UNION 2 3.31% $2,942
RESIDENTIAL BANCORP. 2 3.12% $4,238
DEEPHAVEN MORTGAGE LLC 2 6.31% $6,860
York Traditions Bank 2 3.50% $4,595
Paramount Residential Mortgage Group, Inc. 2 3.00% $3,899
INTERCOASTAL MORTGAGE COMPANY 2 3.00% $3,868
Mid-Atlantic Federal Credit Union 2 2.81% $3,061
First Savings Bank 2 3.00% $9,315
SEVERN SAVINGS BANK, FSB DBA SEVERN BANK 2 3.06% $4,687
CONTOUR MORTGAGE CORPORATION 2 3.38% $5,577
Nations Lending Corporation 2 2.94% $10,595
1ST PREFERENCE MORTGAGE CORP. 1 3.75% $6,364
CITADEL FEDERAL CREDIT UNION 1 3.25% $2,735
ABSOLUTE HOME MORTGAGE CORPORATION 1 2.87% $3,938
Century Mortgage Company DBA Century Lending Company 1 3.63% $5,574
Quontic Bank 1 5.88% $10,875
RELIANCE FIRST CAPITAL, LLC 1 3.38% $5,246
CELEBRITY HOME LOANS, LLC 1 3.38% $3,890
Santander Bank, N.A. 1 2.88% $4,132
Carrington Mortgage Services, LLC 1 3.00% $7,170
CALCON MUTUAL MORTGAGE LLC 1 2.63% $4,803
SOFI LENDING CORP. 1 3.25% $4,792
Bank of England 1 3.00% $6,050
S&T Bank 1 2.88% $5,298
Strong Home Mortgage, LLC 1 3.25% $3,724
ARC HOME LLC 1 2.99% $2,405
The Central Trust Bank 1 2.75% $3,662
The Federal Savings Bank 1 2.75% $8,683
THRIVE MORTGAGE, LLC 1 3.00% $4,635
TJC Mortgage, Inc. 1 3.00% $5,509
TOWER 1 2.88% $5,266
AMERICAN FINANCIAL NETWORK, INC. 1 3.25% $5,131
Investors Bank 1 2.75% $5,985
ALLIED MORTGAGE GROUP, INC. 1 3.25% $6,274
Univest Bank and Trust Co. 1 3.50% $4,716
AgChoice Farm Credit ACA 1 3.56% $3,663
US MORTGAGE CORPORATION 1 2.88% $4,952
GUARANTEED RATE AFFINITY, LLC 1 2.99% $4,521
GREENWAY MORTGAGE FUNDING CORP. 1 3.00% $4,829
Gateway First Bank 1 3.25% $3,192
HOMESTEAD FUNDING CORP. 1 2.75% $6,175
Franklin Loan Corporation 1 3.00% $6,558
Union Savings Bank 1 2.63% $325
First National Bank of Pennsylvania 1 3.38% $7,837
First National Bank of America 1 6.75% $5,370
KS StateBank 1 2.88% $3,925
Victorian Finance, LLC 1 3.13% $4,071
LENDING CAPITAL GROUP Inc 1 3.25% $4,237
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.13% $2,515
First Internet Bank of Indiana 1 3.38% $4,760
LOANPAL, LLC 1 3.25% $6,275
First Heritage Mortgage, LLC 1 3.13% $6,205
First Federal Bank 1 4.13% $2,686
FirstBank 1 2.88% $3,398
MICHIGAN MUTUAL, INC. 1 3.88% $4,401
MID AMERICA MORTGAGE, INC. 1 3.38% $2,898
Mid Penn Bank 1 3.38% $3,326
AFFINITY 1 3.50% $3,156
Fifth Third Bank 1 3.49% $3,790
Wilmington Savings Fund Society, FSB 1 2.88% $3,713
NATIONS RELIABLE LENDING, LLC 1 3.38% $4,999
EDUCATIONAL SYSTEMS 1 3.38% $4,132
NEW DAY FINANCIAL, LLC 1 2.50% $3,824
DIRECT MORTGAGE LOANS, LLC 1 2.75% $5,133
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 2.75% $4,267
DELMAR FINANCIAL COMPANY 1 4.38% $4,731
NORWICH COMMERCIAL GROUP, INC. 1 3.25% $4,271
DAS Acquisition Company, LLC 1 2.88% $4,969
Colonial Savings, F.A. 1 3.38% $6,487
CMG MORTGAGE, INC. 1 2.75% $7,770
PEOPLESBANK, A CODORUS VALLEY COMPANY 1 3.63% $3,991
PHH Mortgage Corporation 1 3.00% $7,198
Citizens & Northern Bank 1 2.88% $5,614
PREMIA MORTGAGE, LLC 1 2.99% $0

CHAMBERSBURG-WAYNESBORO, PA's 177 lenders originated 6,751 loans during 2021. The total origination value was $1,248,325,000, with an average loan value of $184,910.

The top CHAMBERSBURG - WAYNESBORO lender as defined by loan originations is QUICKEN LOANS, LLC, with 204 loans originated. Their average total fees are $5,478, which is $1,805 higher than the next largest lender, PATRIOT.

The lowest fee CHAMBERSBURG - WAYNESBORO lenders (with over 10 loans originated) are Community State Bank of Orbisonia ($2,856), U.S. Bank ($3,081), Orrstown Bank ($3,517), CNB Bank Inc. ($3,620) and PATRIOT ($3,673).

The lowest rate CHAMBERSBURG - WAYNESBORO lenders (with over 10 loans originated) are Community State Bank of Orbisonia (2.76%), Farmers and Merchants Trust Company of Chambersburg (2.81%), PATRIOT (2.87%), Bank of America (2.90%) and MCLEAN MORTGAGE CORPORATION (2.92%).

CHAMBERSBURG-WAYNESBORO, PA Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Farmers and Merchants Trust Company of Chambersburg $98,445,000 $118,070,000 19.9% 9.5%
QUICKEN LOANS, LLC $78,635,000 $97,645,000 24.2% 7.8%
PATRIOT $99,815,000 $90,720,000 -9.1% 7.3%
Orrstown Bank $59,185,000 $69,605,000 17.6% 5.6%
CROSSCOUNTRY MORTGAGE, LLC $54,735,000 $61,915,000 13.1% 5.0%
UNION HOME MORTGAGE CORP. $29,415,000 $38,020,000 29.3% 3.0%
Integrity Home Mortgage Corp $37,930,000 n/a 3.0%
FREEDOM MORTGAGE CORPORATION $29,085,000 $33,105,000 13.8% 2.7%
Wells Fargo Bank $12,040,000 $30,420,000 152.7% 2.4%
Manufacturers and Traders Trust Company $29,370,000 $29,915,000 1.9% 2.4%
ACNB Bank $21,040,000 $29,555,000 40.5% 2.4%
Northpointe Bank $16,980,000 $24,505,000 44.3% 2.0%
NEWREZ LLC $10,945,000 $22,770,000 108.0% 1.8%
RESIDENTIAL MORTGAGE SERVICES, INC. $31,480,000 $22,610,000 -28.2% 1.8%
PENNYMAC LOAN SERVICES, LLC $8,130,000 $22,505,000 176.8% 1.8%
LOANDEPOT.COM, LLC $10,865,000 $21,110,000 94.3% 1.7%
Mortgage Research Center, LLC $15,465,000 $15,880,000 2.7% 1.3%
George Mason Mortgage, LLC $11,020,000 $15,690,000 42.4% 1.3%
Fulton Bank $20,485,000 $13,735,000 -33.0% 1.1%
Truist Bank $16,640,000 $12,725,000 -23.5% 1.0%
CORNING $19,925,000 $12,445,000 -37.5% 1.0%
UNITED WHOLESALE MORTGAGE, LLC $10,815,000 $12,375,000 14.4% 1.0%
MEMBERS 1ST FEDERAL CREDIT UNION $14,310,000 $11,195,000 -21.8% 0.9%
NAVY FEDERAL CREDIT UNION $11,330,000 $11,070,000 -2.3% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $9,820,000 $10,715,000 9.1% 0.9%
CNB Bank Inc. $11,360,000 $10,400,000 -8.5% 0.8%
AMERISAVE MORTGAGE CORPORATION $7,755,000 $9,210,000 18.8% 0.7%
Citizens Bank $4,665,000 $8,900,000 90.8% 0.7%
Middletown Valley Bank $3,495,000 $8,735,000 149.9% 0.7%
DHI MORTGAGE COMPANY, LTD. $2,725,000 $8,605,000 215.8% 0.7%
GUILD MORTGAGE COMPANY $8,600,000 n/a 0.7%
HOME POINT FINANCIAL CORPORATION $5,695,000 $8,510,000 49.4% 0.7%
Community State Bank of Orbisonia $4,485,000 $8,355,000 86.3% 0.7%
Homesale Mortgage, LLC $2,480,000 $7,595,000 206.3% 0.6%
Plains Commerce Bank $1,105,000 $7,460,000 575.1% 0.6%
BETTER MORTGAGE CORPORATION $2,370,000 $7,260,000 206.3% 0.6%
HOMESPIRE MORTGAGE CORPORATION $1,740,000 $7,215,000 314.7% 0.6%
PRIMELENDING, A PLAINSCAPITAL COMPANY $5,365,000 $7,000,000 30.5% 0.6%
LAKEVIEW LOAN SERVICING, LLC $3,570,000 $6,745,000 88.9% 0.5%
FIRST HOME MORTGAGE CORPORATION $7,455,000 $6,695,000 -10.2% 0.5%
CALIBER HOME LOANS, INC. $6,080,000 $6,585,000 8.3% 0.5%
MILLENNIUM FINANCIAL GROUP, INC. $4,595,000 $6,360,000 38.4% 0.5%
JPMorgan Chase Bank $5,380,000 $5,810,000 8.0% 0.5%
USAA Federal Savings Bank $4,190,000 $5,635,000 34.5% 0.5%
TIDEWATER MORTGAGE SERVICES, INC. $9,165,000 $5,360,000 -41.5% 0.4%
CIVIC FINANCIAL SERVICES, LLC $2,490,000 $5,195,000 108.6% 0.4%
PNC Bank $5,665,000 $4,740,000 -16.3% 0.4%
MCLEAN MORTGAGE CORPORATION $2,965,000 $4,660,000 57.2% 0.4%
NEW DAY FINANCIAL, LLC $4,125,000 $4,515,000 9.5% 0.4%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $4,485,000 n/a 0.4%
Sierra Pacific Mortgage Company, Inc. $2,345,000 $4,465,000 90.4% 0.4%
U.S. Bank $3,910,000 $4,430,000 13.3% 0.4%
PENNSYLVANIA STATE EMPLOYEES Credit Union $4,545,000 $4,315,000 -5.1% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $6,290,000 $4,305,000 -31.6% 0.3%
EMBRACE HOME LOANS, INC. $4,700,000 $4,255,000 -9.5% 0.3%
Atlantic Union Bank $4,180,000 $3,820,000 -8.6% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,110,000 $3,790,000 241.4% 0.3%
AMERICAN FINANCING CORPORATION $1,385,000 $3,735,000 169.7% 0.3%
Flagstar Bank, FSB $1,400,000 $3,735,000 166.8% 0.3%
T2 FINANCIAL LLC $425,000 $3,680,000 765.9% 0.3%
PENTAGON FEDERAL CREDIT UNION $560,000 $3,560,000 535.7% 0.3%
Bank of America $2,595,000 $3,470,000 33.7% 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,310,000 $3,445,000 49.1% 0.3%
PLANET HOME LENDING, LLC $2,440,000 $3,425,000 40.4% 0.3%
BROKER SOLUTIONS, INC. $2,280,000 $3,350,000 46.9% 0.3%
The Bank of Landisburg $605,000 $3,350,000 453.7% 0.3%
Foote Capital Mortgage Company $2,325,000 $3,105,000 33.5% 0.2%
SOUTHERN TRUST MORTGAGE, LLC $1,645,000 $3,065,000 86.3% 0.2%
GUARANTEED RATE, INC. $1,260,000 $2,860,000 127.0% 0.2%
AmeriServ Financial Bank $430,000 $2,660,000 518.6% 0.2%
First United Corporation $1,965,000 $2,595,000 32.1% 0.2%
Towne Bank $3,215,000 $2,585,000 -19.6% 0.2%
CBM Mortgage, Inc. $3,665,000 $2,510,000 -31.5% 0.2%
Mid Penn Bank $420,000 $2,485,000 491.7% 0.2%
Network Funding, L.P. $2,545,000 $2,480,000 -2.6% 0.2%
CHURCHILL MORTGAGE CORPORATION $1,045,000 $2,440,000 133.5% 0.2%
InterContinental Capital Group, Inc $1,630,000 $2,430,000 49.1% 0.2%
Wyndham Capital Mortgage, Inc. $845,000 $2,395,000 183.4% 0.2%
BAY CAPITAL MORTGAGE CORPORATION $3,435,000 $2,365,000 -31.1% 0.2%
HOMESIDE FINANCIAL, LLC $175,000 $2,315,000 1,222.9% 0.2%
ACADEMY MORTGAGE CORPORATION $340,000 $2,230,000 555.9% 0.2%
Carrington Mortgage Services, LLC $3,085,000 $2,225,000 -27.9% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $235,000 $2,220,000 844.7% 0.2%
NFM, INC. $1,510,000 $2,165,000 43.4% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $2,170,000 $2,130,000 -1.8% 0.2%
Keystone Funding, Inc. $2,080,000 n/a 0.2%
Prosperity Home Mortgage, LLC $3,835,000 $2,055,000 -46.4% 0.2%
EMM LOANS LLC $1,370,000 $1,985,000 44.9% 0.2%
AgChoice Farm Credit ACA $3,025,000 $1,895,000 -37.4% 0.2%
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED $1,420,000 $1,895,000 33.5% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,035,000 $1,865,000 80.2% 0.1%
Presidential Bank, FSB $2,840,000 $1,855,000 -34.7% 0.1%
The Federal Savings Bank $1,860,000 $1,815,000 -2.4% 0.1%
AmeriHome Mortgage Company, LLC $2,140,000 $1,665,000 -22.2% 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $700,000 $1,590,000 127.1% 0.1%
FIDELITY DIRECT MORTGAGE, LLC $460,000 $1,540,000 234.8% 0.1%
ZILLOW HOME LOANS, LLC $275,000 $1,510,000 449.1% 0.1%
TJC Mortgage, Inc. $400,000 $1,460,000 265.0% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $285,000 $1,455,000 410.5% 0.1%
Mortgage Network, Inc. $400,000 $1,450,000 262.5% 0.1%
York Traditions Bank $440,000 $1,420,000 222.7% 0.1%
EQUITY RESOURCES, INC. $245,000 $1,225,000 400.0% 0.1%
Meridian Bank Corporation $975,000 $1,225,000 25.6% 0.1%
CLEARPATH LENDING $4,365,000 $1,185,000 -72.9% 0.1%
HomePromise Corporation $545,000 $1,180,000 116.5% 0.1%
SEVERN SAVINGS BANK, FSB DBA SEVERN BANK $3,075,000 $1,175,000 -61.8% 0.1%
First Guaranty Mortgage Corporation $975,000 $1,100,000 12.8% 0.1%
CONTOUR MORTGAGE CORPORATION $465,000 $1,030,000 121.5% 0.1%
S&T Bank $55,000 $1,020,000 1,754.5% 0.1%
Nations Lending Corporation $860,000 $1,015,000 18.0% 0.1%
KELLER MORTGAGE, LLC $3,025,000 $1,000,000 -66.9% 0.1%
Paramount Residential Mortgage Group, Inc. $1,520,000 $995,000 -34.5% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $715,000 $965,000 35.0% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $1,270,000 $965,000 -24.0% 0.1%
KeyBank $945,000 n/a 0.1%
MOVEMENT MORTGAGE, LLC $1,250,000 $915,000 -26.8% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $910,000 n/a 0.1%
ALLIED MORTGAGE GROUP, INC. $1,090,000 $895,000 -17.9% 0.1%
GUARANTEED RATE AFFINITY, LLC $1,325,000 $850,000 -35.8% 0.1%
APEX HOME LOANS, INC. $1,035,000 $820,000 -20.8% 0.1%
RESIDENTIAL BANCORP. $820,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $1,590,000 $795,000 -50.0% 0.1%
US MORTGAGE CORPORATION $785,000 n/a 0.1%
DIRECT MORTGAGE LOANS, LLC $695,000 $780,000 12.2% 0.1%
United Bank $760,000 $775,000 2.0% 0.1%
MILEND, INC. $770,000 n/a 0.1%
Strong Home Mortgage, LLC $770,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $1,350,000 $760,000 -43.7% 0.1%
Bank of England $185,000 $755,000 308.1% 0.1%
TIAA, FSB $365,000 $745,000 104.1% 0.1%
Third Federal Savings and Loan Association of Cleveland $195,000 $710,000 264.1% 0.1%
The Juniata Valley Bank $445,000 $695,000 56.2% 0.1%
First National Bank of Pennsylvania $1,510,000 $685,000 -54.6% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $370,000 $675,000 82.4% 0.1%
FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION $665,000 n/a 0.1%
Triumph Bank $660,000 n/a 0.1%
ABSOLUTE HOME MORTGAGE CORPORATION $2,025,000 $655,000 -67.7% 0.1%
First Savings Bank $615,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $4,085,000 $615,000 -84.9% 0.0%
Magnolia Bank $710,000 $615,000 -13.4% 0.0%
THRIVE MORTGAGE, LLC $615,000 n/a 0.0%
First Heritage Mortgage, LLC $185,000 $610,000 229.7% 0.0%
NP, Inc. $370,000 $610,000 64.9% 0.0%
Princeton Mortgage Corporation $600,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $915,000 $590,000 -35.5% 0.0%
The Ephrata National Bank $910,000 $585,000 -35.7% 0.0%
PHH Mortgage Corporation $465,000 $580,000 24.7% 0.0%
Northwest Federal Credit Union $550,000 n/a 0.0%
Citibank $125,000 $545,000 336.0% 0.0%
21ST MORTGAGE CORPORATION $220,000 $540,000 145.5% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $540,000 n/a 0.0%
Franklin Loan Corporation $535,000 n/a 0.0%
GSF Mortgage Corporation $175,000 $530,000 202.9% 0.0%
INTERCOASTAL MORTGAGE COMPANY $360,000 $530,000 47.2% 0.0%
1ST PREFERENCE MORTGAGE CORP. $155,000 $525,000 238.7% 0.0%
PEOPLESBANK, A CODORUS VALLEY COMPANY $360,000 $525,000 45.8% 0.0%
NYMEO FEDERAL CREDIT UNION $550,000 $520,000 -5.5% 0.0%
RESIDENTIAL HOME FUNDING CORP. $520,000 n/a 0.0%
Vellum Mortgage, Inc. $520,000 n/a 0.0%
Centric Bank $515,000 n/a 0.0%
SOFI LENDING CORP. $135,000 $510,000 277.8% 0.0%
Fifth Third Bank $600,000 $505,000 -15.8% 0.0%
Santander Bank, N.A. $815,000 $505,000 -38.0% 0.0%
Discover Bank $375,000 $485,000 29.3% 0.0%
AMERICAN ADVISORS GROUP $335,000 $475,000 41.8% 0.0%
DEEPHAVEN MORTGAGE LLC $470,000 n/a 0.0%
Shore United Bank $455,000 n/a 0.0%
The Gratz Bank $450,000 n/a 0.0%
City National Bank of West Virginia $430,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $430,000 n/a 0.0%
LINKBANK $425,000 n/a 0.0%
Bank of Charles Town $95,000 $410,000 331.6% 0.0%
The Huntington National Bank $1,130,000 $410,000 -63.7% 0.0%
TOWER $455,000 $395,000 -13.2% 0.0%
WesBanco Bank, Inc. $395,000 n/a 0.0%
BELCO COMMUNITY CREDIT UNION $380,000 n/a 0.0%
DAS Acquisition Company, LLC $375,000 n/a 0.0%
LOANPAL, LLC $235,000 $370,000 57.4% 0.0%
NBKC BANK $450,000 $365,000 -18.9% 0.0%
The Central Trust Bank $365,000 n/a 0.0%
Union Savings Bank $365,000 n/a 0.0%
LENDING CAPITAL GROUP Inc $360,000 n/a 0.0%
Mid-Atlantic Federal Credit Union $215,000 $360,000 67.4% 0.0%
Mortgage America, Inc. $355,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $375,000 $345,000 -8.0% 0.0%
Equity Prime Mortgage LLC $340,000 n/a 0.0%
First Internet Bank of Indiana $325,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $560,000 $325,000 -42.0% 0.0%
NASA Federal Credit Union $315,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $475,000 $310,000 -34.7% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $880,000 $310,000 -64.8% 0.0%
ARC HOME LLC $835,000 $310,000 -62.9% 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $305,000 n/a 0.0%
UNITED SECURITY FINANCIAL CORP $460,000 $295,000 -35.9% 0.0%
Lakeview Community Capital, LLC $165,000 $290,000 75.8% 0.0%
Wilmington Savings Fund Society, FSB $285,000 n/a 0.0%
Citizens & Northern Bank $255,000 $275,000 7.8% 0.0%
POLICE & FIRE $55,000 $275,000 400.0% 0.0%
PREMIA MORTGAGE, LLC $675,000 $275,000 -59.3% 0.0%
FirstBank $265,000 n/a 0.0%
JAMES B. NUTTER & COMPANY $225,000 $265,000 17.8% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $910,000 $260,000 -71.4% 0.0%
Colonial Savings, F.A. $500,000 $255,000 -49.0% 0.0%
NATIONS RELIABLE LENDING, LLC $255,000 n/a 0.0%
Quontic Bank $255,000 n/a 0.0%
Victorian Finance, LLC $255,000 n/a 0.0%
West Town Bank & Trust $125,000 $255,000 104.0% 0.0%
GREENTREE MORTGAGE COMPANY, L.P. $245,000 n/a 0.0%
Huntingdon Valley Bank $245,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $245,000 n/a 0.0%
Metro City Bank $245,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $245,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $410,000 $245,000 -40.2% 0.0%
STEARNS LENDING, LLC $770,000 $245,000 -68.2% 0.0%
UNITED MORTGAGE CORP. $245,000 n/a 0.0%
AFFINITY $235,000 n/a 0.0%
Kish Bank $805,000 $235,000 -70.8% 0.0%
MID AMERICA MORTGAGE, INC. $1,955,000 $235,000 -88.0% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $65,000 $225,000 246.2% 0.0%
EVERETT FINANCIAL, INC. $225,000 n/a 0.0%
Service Federal Credit Union $225,000 n/a 0.0%
First Commonwealth Bank $620,000 $220,000 -64.5% 0.0%
TRIAD FINANCIAL SERVICES, INC. $120,000 $220,000 83.3% 0.0%
AgFirst Farm Credit Bank $510,000 $210,000 -58.8% 0.0%
CALCON MUTUAL MORTGAGE LLC $205,000 n/a 0.0%
Capital Bank $1,200,000 $205,000 -82.9% 0.0%
GREENWAY MORTGAGE FUNDING CORP. $205,000 n/a 0.0%
ON Q FINANCIAL, INC. $205,000 n/a 0.0%
Blue Ridge Bank $500,000 $195,000 -61.0% 0.0%
CMG MORTGAGE, INC. $195,000 n/a 0.0%
EDUCATIONAL SYSTEMS $195,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $205,000 $195,000 -4.9% 0.0%
ACCELERATE MORTGAGE, LLC $185,000 n/a 0.0%
ALL REVERSE MORTGAGE, INC. $175,000 n/a 0.0%
CELEBRITY HOME LOANS, LLC $175,000 n/a 0.0%
C & F Mortgage Corporation $175,000 n/a 0.0%
Northwest Bank $1,200,000 $175,000 -85.4% 0.0%
PLAZA HOME MORTGAGE, INC. $1,285,000 $175,000 -86.4% 0.0%
Ally Bank $420,000 $165,000 -60.7% 0.0%
AMWEST FUNDING CORP. $165,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $85,000 $165,000 94.1% 0.0%
Univest Bank and Trust Co. $165,000 n/a 0.0%
American Bank $155,000 n/a 0.0%
Investors Bank $155,000 n/a 0.0%
KS StateBank $365,000 $145,000 -60.3% 0.0%
Gateway First Bank $135,000 n/a 0.0%
LENDINGONE, LLC $135,000 n/a 0.0%
MEMBER FIRST MORTGAGE, LLC $165,000 $135,000 -18.2% 0.0%
OCMBC, INC. $135,000 n/a 0.0%
Pennian Bank $135,000 n/a 0.0%
Residential Mortgage Solutions, Inc. $135,000 n/a 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $330,000 $135,000 -59.1% 0.0%
Alcova Mortgage LLC $330,000 $125,000 -62.1% 0.0%
AMERICAN HERITAGE FCU $125,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $125,000 n/a 0.0%
Secured Investment Corp. $125,000 n/a 0.0%
Century Mortgage Company DBA Century Lending Company $115,000 n/a 0.0%
STAR USA FEDERAL CREDIT UNION $115,000 n/a 0.0%
First Federal Bank $485,000 $95,000 -80.4% 0.0%
First National Bank of America $395,000 $85,000 -78.5% 0.0%
OPEN MORTGAGE, LLC $85,000 n/a 0.0%
Centier Bank $135,000 $65,000 -51.9% 0.0%
NUMARK CREDIT UNION $60,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $505,000 $60,000 -88.1% 0.0%
CITADEL FEDERAL CREDIT UNION $55,000 n/a 0.0%
ALLEGACY FEDERAL CREDIT UNION $35,000 n/a 0.0%
SPRING EQ, LLC $330,000 $25,000 -92.4% 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 7.8%, is QUICKEN LOANS, LLC, having originated $97,645,000 in loans. In third place, with 7.3%, is PATRIOT, having originated $90,720,000 in loans. In third place, with 5.6%, is Orrstown Bank, having originated $69,605,000 in loans. In third place, with 5.0%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $61,915,000 in loans.


CHAMBERSBURG-WAYNESBORO, PA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 2,666 $485,190,000 $181,992
Home Purchase 2,454 $548,540,000 $223,529
Cash Out Refi 902 $164,920,000 $182,838
Home Improvement 421 $26,125,000 $62,055
Other 308 $23,550,000 $76,461

Chambersburg - Waynesboro's most frequently cited loan purpose was Refi, with 2,666 originations. The 2nd most popular reason was Home Purchase, with 2,454 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 2,442 $478,970,000 $196,138
3-4% 2,020 $398,500,000 $197,277
<2.5% 1,811 $302,795,000 $167,198
4-5% 285 $37,555,000 $131,772
5-6% 60 $4,190,000 $69,833
6-7% 30 $1,960,000 $65,333
Over 8% 20 $1,080,000 $54,000
7-8% 13 $845,000 $65,000

During 2021, Chambersburg - Waynesboro's most frequently originated rate bucket was 2.5-3%, with 2,442 originations.

Loan Sizing (CHAMBERSBURG-WAYNESBORO, PA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 3,129 $470,205,000 $150,273
$200k-400k 2,169 $567,795,000 $261,777
$100,000 or less 1,239 $70,215,000 $56,671
$400k-600k 183 $85,805,000 $468,880
$600k-1000k 20 $14,790,000 $739,500
$Over $1MM 11 $39,515,000 $3,592,273

CHAMBERSBURG - WAYNESBORO's loan sizing saw the bucket of loans from $100k-200k with 3,129 originations, totaling $470,205,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,443 $546,605,000 $223,743
60-80% 2,095 $425,905,000 $203,296
40-60% 796 $113,500,000 $142,588
20-40% 501 $42,915,000 $85,659
Under 20% 496 $18,230,000 $36,754
Over 100% 99 $28,645,000 $289,343

CHAMBERSBURG - WAYNESBORO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,443 originations, totaling $546,605,000 in origination value.


Market Conditions (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 $204,500 (3.3%) $225,745 (3.8%) 0.75 580
2018-02-01 $202,445 (1.3%) $225,247 (0.8%) 0.73 560
2018-03-01 $206,990 (3.6%) $230,531 (1.4%) 0.72 589
2018-04-01 $201,495 (-1.7%) $230,492 (1.0%) 0.68 645
2018-05-01 $204,995 (-1.9%) $236,867 (1.0%) 0.68 661
2018-06-01 $209,900 (0.0%) $238,561 (0.9%) 0.70 670
2018-07-01 $207,445 (-1.2%) $241,287 (2.0%) 0.69 654
2018-08-01 $209,900 (-1.2%) $244,570 (1.6%) 0.70 662
2018-09-01 $217,990 (3.9%) $245,744 (4.0%) 0.73 632
2018-10-01 $209,950 (-0.2%) $238,635 (0.1%) 0.70 635
2018-11-01 $202,000 (-1.4%) $237,199 (3.0%) 0.68 611
2018-12-01 $199,900 (-2.9%) $241,404 (5.3%) 0.68 573
2019-01-01 $199,945 (-2.2%) $239,062 (5.9%) 0.69 546
2019-02-01 $214,900 (6.2%) $240,089 (6.6%) 0.72 534
2019-03-01 $217,043 (4.9%) $239,959 (4.1%) 0.71 531
2019-04-01 $221,950 (10.2%) $240,411 (4.3%) 0.70 509
2019-05-01 $224,900 (9.7%) $241,739 (2.1%) 0.69 532
2019-06-01 $219,900 (4.8%) $240,973 (1.0%) 0.68 541
2019-07-01 $219,900 (6.0%) $241,103 (-0.1%) 0.68 520
2019-08-01 $222,100 (5.8%) $242,563 (-0.8%) 0.70 506
2019-09-01 $222,050 (1.9%) $243,150 (-1.1%) 0.71 484
2019-10-01 $219,900 (4.7%) $240,178 (0.7%) 0.70 481
2019-11-01 $218,000 (7.9%) $238,010 (0.3%) 0.70 468
2019-12-01 $223,900 (12.0%) $244,132 (1.1%) 0.75 406
2020-01-01 $226,450 (13.3%) $246,332 (3.0%) 0.76 369
2020-02-01 $229,900 (7.0%) $252,153 (5.0%) 0.74 361
2020-03-01 $229,900 (5.9%) $255,230 (6.4%) 0.72 348
2020-04-01 $236,445 (6.5%) $267,048 (11.1%) 0.74 321
2020-05-01 $229,900 (2.2%) $266,267 (10.2%) 0.70 335
2020-06-01 $234,490 (6.6%) $267,545 (11.0%) 0.68 306
2020-07-01 $241,200 (9.7%) $279,682 (16.0%) 0.69 270
2020-08-01 $245,000 (10.3%) $288,236 (18.8%) 0.70 221
2020-09-01 $239,950 (8.1%) $289,250 (19.0%) 0.69 193
2020-10-01 $229,900 (4.6%) $286,507 (19.3%) 0.66 202
2020-11-01 $231,250 (6.1%) $275,185 (15.6%) 0.66 193
2020-12-01 $237,400 (6.0%) $284,855 (16.7%) 0.70 151
2021-01-01 $249,900 (10.4%) $291,441 (18.3%) 0.74 130
2021-02-01 $254,900 (10.9%) $291,193 (15.5%) 0.73 119
2021-03-01 $253,900 (10.4%) $292,547 (14.6%) 0.71 113
2021-04-01 $242,450 (2.5%) $286,059 (7.1%) 0.65 135
2021-05-01 $249,900 (8.7%) $298,159 (12.0%) 0.66 131
2021-06-01 $247,450 (5.5%) $295,263 (10.4%) 0.64 167
2021-07-01 $247,500 (2.6%) $288,453 (3.1%) 0.64 202
2021-08-01 $235,450 (-3.9%) $287,955 (-0.1%) 0.62 204
2021-09-01 $237,450 (-1.0%) $277,537 (-4.1%) 0.62 215
2021-10-01 $239,900 (4.4%) $282,078 (-1.6%) 0.63 207
2021-11-01 $248,200 (7.3%) $284,106 (3.2%) 0.65 186
2021-12-01 $263,945 (11.2%) $290,700 (2.1%) 0.70 166
2022-01-01 $279,900 (12.0%) $305,996 (5.0%) 0.75 160
2022-02-01 $269,900 (5.9%) $302,823 (4.0%) 0.69 148
2022-03-01 $293,700 (15.7%) $316,124 (8.1%) 0.73 134
2022-04-01 $320,000 (32.0%) $341,966 (19.5%) 0.75 149
2022-05-01 $327,000 (30.9%) $341,946 (14.7%) 0.73 164
2022-06-01 $332,495 (34.4%) $349,583 (18.4%) 0.74 173
CHAMBERSBURG - WAYNESBORO's median listing price for 2022-06-01 was $332,495, a difference of $85,045 (34.4%) versus the prior year and $5,495 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 2022-06-01 was $349,583, a difference of $54,320 (18.4%) versus the prior year and $7,637 versus the prior month.

For the 2022-06-01 period, CHAMBERSBURG - WAYNESBORO had 173 MLS listings, a difference of 9 listings (5%) versus the prior month and 6 listings (4%) 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
2018-01-01 109 days 1,908 sqft
2018-02-01 104 days 1,875 sqft
2018-03-01 87 days 1,872 sqft
2018-04-01 68 days 1,807 sqft
2018-05-01 67 days 1,877 sqft
2018-06-01 77 days 2,000 sqft
2018-07-01 81 days 2,083 sqft
2018-08-01 86 days 2,092 sqft
2018-09-01 85 days 2,121 sqft
2018-10-01 77 days 2,016 sqft
2018-11-01 77 days 1,969 sqft
2018-12-01 88 days 1,921 sqft
2019-01-01 102 days 1,918 sqft
2019-02-01 105 days 1,918 sqft
2019-03-01 71 days 1,928 sqft
2019-04-01 65 days 1,950 sqft
2019-05-01 64 days 1,995 sqft
2019-06-01 65 days 2,000 sqft
2019-07-01 72 days 2,000 sqft
2019-08-01 78 days 2,013 sqft
2019-09-01 84 days 2,016 sqft
2019-10-01 72 days 1,987 sqft
2019-11-01 74 days 2,000 sqft
2019-12-01 86 days 2,046 sqft
2020-01-01 89 days 2,018 sqft
2020-02-01 88 days 2,081 sqft
2020-03-01 70 days 2,024 sqft
2020-04-01 81 days 2,091 sqft
2020-05-01 91 days 2,046 sqft
2020-06-01 88 days 1,974 sqft
2020-07-01 52 days 1,984 sqft
2020-08-01 42 days 2,000 sqft
2020-09-01 41 days 2,000 sqft
2020-10-01 49 days 1,980 sqft
2020-11-01 51 days 1,957 sqft
2020-12-01 58 days 1,900 sqft
2021-01-01 63 days 1,974 sqft
2021-02-01 59 days 2,028 sqft
2021-03-01 48 days 2,024 sqft
2021-04-01 35 days 1,934 sqft
2021-05-01 35 days 1,976 sqft
2021-06-01 41 days 1,874 sqft
2021-07-01 39 days 1,912 sqft
2021-08-01 42 days 1,860 sqft
2021-09-01 42 days 1,778 sqft
2021-10-01 44 days 1,764 sqft
2021-11-01 47 days 1,739 sqft
2021-12-01 53 days 1,762 sqft
2022-01-01 66 days 1,800 sqft
2022-02-01 69 days 1,714 sqft
2022-03-01 57 days 1,792 sqft
2022-04-01 41 days 1,840 sqft
2022-05-01 42 days 1,960 sqft
2022-06-01 45 days 1,947 sqft
CHAMBERSBURG - WAYNESBORO's median listing age (time on market) for 2022-06-01 was 45 days. This is 10% longer than the same period one year ago.

CHAMBERSBURG - WAYNESBORO's median square footage for active listings during the 2022-06-01 period was 1,947 sqft. One year prior, the average listing was 1,874 sqft.