CHAMBERSBURG - WAYNESBORO Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Chambersburg - Waynesboro averaged
6.61%
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
6.91% and
one month ago for the week of 2025-05-29, the
average rate was 6.73%.
Chambersburg - Waynesboro's average rate one year ago was 7.1%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.39%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Chambersburg - Waynesboro 30 Year Fixed Rate | 2025-07-03 | 6.61% |
| Chambersburg - Waynesboro 30 Year Fixed Rate Refi | 2025-07-03 | 7.39% |
| Chambersburg - Waynesboro 15 Year Fixed Rate | 2025-07-03 | 5.7% |
| Chambersburg - Waynesboro 15 Year Fixed Rate Refi | 2025-07-03 | 6.2% |
| Chambersburg - Waynesboro 30 Year FHA | 2025-07-03 | 0.03% |
| Chambersburg - Waynesboro 30 Year FHA Refi | 2025-07-03 | -0.2% |
| Chambersburg - Waynesboro 30 Year USDA | 2025-07-03 | -0.02% |
| Chambersburg - Waynesboro 30 Year USDA Refi | 2025-07-03 | -0.1% |
| Chambersburg - Waynesboro 30 Year VA | 2025-07-03 | -0.03% |
| Chambersburg - Waynesboro 30 Year VA Refi | 2025-07-03 | -0.2% |
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.).
CHAMBERSBURG - WAYNESBORO Average Closing Costs & Other Stats
CHAMBERSBURG-WAYNESBORO, PA's 141 lenders originated 3,551
loans during 2024. The total origination value was $657,415,000, with an average loan value of
$185,135.
CHAMBERSBURG - WAYNESBORO's average closing costs are $6,128.
The top CHAMBERSBURG - WAYNESBORO lender as defined by loan originations is QUICKEN LOANS, LLC, with
80 loans originated. Their average total fees are
$6,944, which is $2,188
higher 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 ($2,893), Community State Bank of Orbisonia ($3,706), PATRIOT ($3,900), ACNB Bank ($4,112) and Orrstown Bank ($4,440).
The lowest rate CHAMBERSBURG - WAYNESBORO lenders (with over 10 loans originated) are
Community State Bank of Orbisonia (5.40%), PENNSYLVANIA STATE EMPLOYEES Credit Union (6.28%), NAVY FEDERAL CREDIT UNION (6.53%), GUILD MORTGAGE COMPANY (6.55%) and PATRIOT (6.57%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Farmers and Merchants Trust Company of Chambersburg | $55,730,000 | $51,810,000 | -7.0% | 7.9% |
| PATRIOT | $38,145,000 | $41,775,000 | 9.5% | 6.4% |
| Orrstown Bank | $40,420,000 | $36,505,000 | -9.7% | 5.6% |
| QUICKEN LOANS, LLC | $22,975,000 | $36,010,000 | 56.7% | 5.5% |
| M&T Bank | $22,030,000 | $27,035,000 | 22.7% | 4.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $18,605,000 | $25,445,000 | 36.8% | 3.9% |
| Integrity Home Mortgage Corp | $18,420,000 | $24,770,000 | 34.5% | 3.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $12,660,000 | $22,290,000 | 76.1% | 3.4% |
| Mortgage Research Center, LLC | $12,750,000 | $18,005,000 | 41.2% | 2.7% |
| UNION HOME MORTGAGE CORP. | $17,320,000 | $17,450,000 | 0.8% | 2.7% |
| GUILD MORTGAGE COMPANY | $17,965,000 | $17,085,000 | -4.9% | 2.6% |
| BROKER SOLUTIONS, INC. | $1,635,000 | $12,420,000 | 659.6% | 1.9% |
| NVR Mortgage Finance, Inc. | $10,950,000 | $10,755,000 | -1.8% | 1.6% |
| ACNB Bank | $14,600,000 | $10,420,000 | -28.6% | 1.6% |
| DIRECT MORTGAGE LOANS, LLC | $1,910,000 | $10,405,000 | 444.8% | 1.6% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $6,290,000 | $9,990,000 | 58.8% | 1.5% |
| NAVY FEDERAL CREDIT UNION | $4,590,000 | $9,570,000 | 108.5% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $3,090,000 | $8,930,000 | 189.0% | 1.4% |
| CNB Bank Inc. | $6,195,000 | $8,685,000 | 40.2% | 1.3% |
| PENNYMAC LOAN SERVICES, LLC | $6,175,000 | $7,820,000 | 26.6% | 1.2% |
| Truist | $10,585,000 | $7,790,000 | -26.4% | 1.2% |
| CORNING | $9,025,000 | $7,550,000 | -16.3% | 1.1% |
| Fulton Bank | $6,035,000 | $6,155,000 | 2.0% | 0.9% |
| Homesale Mortgage, LLC | $4,450,000 | $5,970,000 | 34.2% | 0.9% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $4,945,000 | $5,815,000 | 17.6% | 0.9% |
| Community State Bank of Orbisonia | $5,205,000 | $5,515,000 | 6.0% | 0.8% |
| GUARANTEED RATE, INC. | $395,000 | $5,050,000 | 1,178.5% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $2,865,000 | $4,920,000 | 71.7% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,020,000 | $4,820,000 | -4.0% | 0.7% |
| LOANDEPOT.COM, LLC | $2,930,000 | $4,770,000 | 62.8% | 0.7% |
| TIDEWATER MORTGAGE SERVICES, INC. | $3,295,000 | $4,620,000 | 40.2% | 0.7% |
| NEWREZ LLC | $2,785,000 | $4,460,000 | 60.1% | 0.7% |
| ENVOY MORTGAGE, LTD | $4,015,000 | $4,340,000 | 8.1% | 0.7% |
| MidAtlantic Farm Credit, ACA | $1,195,000 | $4,270,000 | 257.3% | 0.6% |
| NYMEO FEDERAL CREDIT UNION | $610,000 | $4,060,000 | 565.6% | 0.6% |
| VILLAGE CAPITAL MORTGAGE | $885,000 | $3,985,000 | 350.3% | 0.6% |
| FIRST HOME MORTGAGE CORPORATION | $5,090,000 | $3,815,000 | -25.0% | 0.6% |
| GUARANTEED RATE AFFINITY, LLC | $315,000 | $3,535,000 | 1,022.2% | 0.5% |
| CMG MORTGAGE, INC. | $1,835,000 | $3,520,000 | 91.8% | 0.5% |
| PNC Bank | $2,160,000 | $3,460,000 | 60.2% | 0.5% |
| Wells Fargo Bank | $3,230,000 | $3,450,000 | 6.8% | 0.5% |
| Citizens Bank | $3,295,000 | $3,270,000 | -0.8% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,825,000 | $3,200,000 | 13.3% | 0.5% |
| United Bank | $4,420,000 | $3,170,000 | -28.3% | 0.5% |
| USAA Federal Savings Bank | $1,275,000 | $2,835,000 | 122.4% | 0.4% |
| United Nations Federal Credit Union | $2,830,000 | n/a | 0.4% | |
| JPMorgan Chase Bank | $805,000 | $2,800,000 | 247.8% | 0.4% |
| 1ST ED CREDIT UNION | $2,310,000 | $2,650,000 | 14.7% | 0.4% |
| York Traditions Bank | $705,000 | $2,535,000 | 259.6% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,120,000 | $2,515,000 | 18.6% | 0.4% |
| QNB Bank | $2,505,000 | n/a | 0.4% | |
| Presidential Bank, FSB | $750,000 | $2,455,000 | 227.3% | 0.4% |
| NFM, INC. | $1,710,000 | $2,440,000 | 42.7% | 0.4% |
| BAY CAPITAL MORTGAGE CORPORATION | $650,000 | $2,300,000 | 253.8% | 0.3% |
| MILLENNIUM FINANCIAL GROUP, INC. | $2,155,000 | $2,300,000 | 6.7% | 0.3% |
| First National Bank of Pennsylvania | $535,000 | $2,285,000 | 327.1% | 0.3% |
| EMBRACE HOME LOANS, INC. | $1,760,000 | $2,230,000 | 26.7% | 0.3% |
| The Federal Savings Bank | $305,000 | $2,155,000 | 606.6% | 0.3% |
| Encompass Lending Group, LP | $2,150,000 | n/a | 0.3% | |
| Shore United Bank | $825,000 | $2,125,000 | 157.6% | 0.3% |
| FIRST HERITAGE FINANCIAL, LLC | $2,100,000 | n/a | 0.3% | |
| Univest Bank and Trust Co. | $590,000 | $2,055,000 | 248.3% | 0.3% |
| Middletown Valley Bank | $2,925,000 | $1,945,000 | -33.5% | 0.3% |
| HOMESPIRE MORTGAGE CORPORATION | $6,285,000 | $1,850,000 | -70.6% | 0.3% |
| RADIUS FINANCIAL GROUP INC. | $540,000 | $1,790,000 | 231.5% | 0.3% |
| Magnolia Bank | $275,000 | $1,770,000 | 543.6% | 0.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,820,000 | $1,770,000 | -2.7% | 0.3% |
| U.S. Bank | $885,000 | $1,690,000 | 91.0% | 0.3% |
| T2 FINANCIAL LLC | $4,275,000 | $1,600,000 | -62.6% | 0.2% |
| NEW DAY FINANCIAL, LLC | $990,000 | $1,585,000 | 60.1% | 0.2% |
| Prosperity Home Mortgage, LLC | $765,000 | $1,580,000 | 106.5% | 0.2% |
| First United Corporation | $655,000 | $1,575,000 | 140.5% | 0.2% |
| Equity Prime Mortgage LLC | $305,000 | $1,570,000 | 414.8% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $300,000 | $1,560,000 | 420.0% | 0.2% |
| Sandy Spring Bank | $315,000 | $1,480,000 | 369.8% | 0.2% |
| Atlantic Coast Mortgage, LLC | $340,000 | $1,355,000 | 298.5% | 0.2% |
| Carrington Mortgage Services, LLC | $380,000 | $1,315,000 | 246.1% | 0.2% |
| AmeriHome Mortgage Company, LLC | $695,000 | $1,255,000 | 80.6% | 0.2% |
| Towne Bank | $840,000 | $1,225,000 | 45.8% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,185,000 | n/a | 0.2% | |
| EMM LOANS LLC | $555,000 | $1,140,000 | 105.4% | 0.2% |
| Plains Commerce Bank | $4,450,000 | $1,125,000 | -74.7% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $255,000 | $1,075,000 | 321.6% | 0.2% |
| First Heritage Mortgage, LLC | $895,000 | $1,060,000 | 18.4% | 0.2% |
| Meridian Bank Corporation | $1,410,000 | $1,060,000 | -24.8% | 0.2% |
| WesBanco | $175,000 | $1,055,000 | 502.9% | 0.2% |
| Discover Bank | $1,175,000 | $1,040,000 | -11.5% | 0.2% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $800,000 | $1,000,000 | 25.0% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $705,000 | $990,000 | 40.4% | 0.2% |
| TOTAL MORTGAGE SERVICES, LLC | $275,000 | $975,000 | 254.5% | 0.1% |
| EVERETT FINANCIAL, INC. | $965,000 | n/a | 0.1% | |
| Coastal Community Bank | $790,000 | $920,000 | 16.5% | 0.1% |
| CLEARPATH LENDING | $870,000 | $910,000 | 4.6% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $900,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $875,000 | n/a | 0.1% | |
| The Bank of Landisburg | $180,000 | $865,000 | 380.6% | 0.1% |
| PLANET HOME LENDING, LLC | $660,000 | $855,000 | 29.5% | 0.1% |
| Figure Lending LLC | $245,000 | $835,000 | 240.8% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $980,000 | $810,000 | -17.3% | 0.1% |
| Mid Penn Bank | $135,000 | $805,000 | 496.3% | 0.1% |
| 21ST MORTGAGE CORPORATION | $680,000 | $785,000 | 15.4% | 0.1% |
| The Huntington National Bank | $1,080,000 | $765,000 | -29.2% | 0.1% |
| PREMIA MORTGAGE, LLC | $755,000 | n/a | 0.1% | |
| HomePromise Corporation | $745,000 | $745,000 | 0.0% | 0.1% |
| ZILLOW HOME LOANS, LLC | $470,000 | $735,000 | 56.4% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,045,000 | $700,000 | -33.0% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $640,000 | $695,000 | 8.6% | 0.1% |
| Baxter Credit Union | $145,000 | $680,000 | 369.0% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $680,000 | n/a | 0.1% | |
| Bank of America | $2,210,000 | $670,000 | -69.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,725,000 | $655,000 | -62.0% | 0.1% |
| KeyBank | $645,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $595,000 | $630,000 | 5.9% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $215,000 | $620,000 | 188.4% | 0.1% |
| AMERICAN FINANCING CORPORATION | $245,000 | $595,000 | 142.9% | 0.1% |
| TOWNE MORTGAGE COMPANY | $590,000 | n/a | 0.1% | |
| Ixonia Bank | $585,000 | n/a | 0.1% | |
| SOMERSET TRUST COMPANY | $225,000 | $585,000 | 160.0% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $640,000 | $580,000 | -9.4% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $580,000 | $570,000 | -1.7% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,810,000 | $545,000 | -69.9% | 0.1% |
| Mid-Continent Funding, Inc. | $285,000 | $540,000 | 89.5% | 0.1% |
| Ameris Bank | $525,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $530,000 | $520,000 | -1.9% | 0.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $520,000 | n/a | 0.1% | |
| The Juniata Valley Bank | $1,220,000 | $520,000 | -57.4% | 0.1% |
| TJC Mortgage, Inc. | $195,000 | $515,000 | 164.1% | 0.1% |
| GSF Mortgage Corporation | $495,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $540,000 | $480,000 | -11.1% | 0.1% |
| MICHIGAN MUTUAL, INC. | $145,000 | $470,000 | 224.1% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $600,000 | $460,000 | -23.3% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $450,000 | $450,000 | 0.0% | 0.1% |
| SWBC MORTGAGE CORPORATION | $255,000 | $430,000 | 68.6% | 0.1% |
| US MORTGAGE CORPORATION | $425,000 | n/a | 0.1% | |
| ABSOLUTE HOME MORTGAGE CORPORATION | $1,455,000 | $420,000 | -71.1% | 0.1% |
| PHH Mortgage Corporation | $420,000 | n/a | 0.1% | |
| Residential Mortgage Solutions, Inc. | $420,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $1,030,000 | $415,000 | -59.7% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $340,000 | $405,000 | 19.1% | 0.1% |
| Cornerstone First Mortgage, Inc | $405,000 | n/a | 0.1% | |
| Atlantic Union Bank | $1,390,000 | $395,000 | -71.6% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $395,000 | n/a | 0.1% | |
| ARC HOME LLC | $265,000 | $380,000 | 43.4% | 0.1% |
| LENDINGONE, LLC | $370,000 | n/a | 0.1% | |
| First Commonwealth Bank | $365,000 | n/a | 0.1% | |
| MLD MORTGAGE INC. | $365,000 | n/a | 0.1% | |
| Woodsboro Bank | $350,000 | n/a | 0.1% | |
| Citibank | $340,000 | n/a | 0.1% | |
| Gateway First Bank | $335,000 | n/a | 0.1% | |
| Keystone Funding, Inc. | $225,000 | $335,000 | 48.9% | 0.1% |
| The Fidelity Deposit and Discount Bank | $325,000 | n/a | 0.0% | |
| Bank of Charles Town | $320,000 | n/a | 0.0% | |
| HOMEAMERICAN MORTGAGE CORPORATION | $7,010,000 | $315,000 | -95.5% | 0.0% |
| THE MORTGAGE FIRM, INC. | $315,000 | n/a | 0.0% | |
| LOANPAL, LLC | $300,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $295,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $85,000 | $295,000 | 247.1% | 0.0% |
| Morgan Stanley Private Bank | $515,000 | $295,000 | -42.7% | 0.0% |
| The Gratz Bank | $295,000 | n/a | 0.0% | |
| Kish Bank | $265,000 | $290,000 | 9.4% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $285,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $635,000 | $285,000 | -55.1% | 0.0% |
| LIBRARY OF CONGRESS | $285,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $360,000 | $280,000 | -22.2% | 0.0% |
| AMWEST FUNDING CORP. | $275,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $275,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $265,000 | n/a | 0.0% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $255,000 | n/a | 0.0% | |
| BELCO COMMUNITY CREDIT UNION | $610,000 | $255,000 | -58.2% | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $430,000 | $255,000 | -40.7% | 0.0% |
| GENEVA FINANCIAL, LLC | $255,000 | n/a | 0.0% | |
| NexBank | $255,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $175,000 | $255,000 | 45.7% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $250,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $245,000 | n/a | 0.0% | |
| INTERCOASTAL MORTGAGE COMPANY | $235,000 | n/a | 0.0% | |
| S&T Bank | $450,000 | $235,000 | -47.8% | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | $145,000 | $225,000 | 55.2% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $225,000 | $225,000 | 0.0% | 0.0% |
| Tompkins Trust Company | $225,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $370,000 | $225,000 | -39.2% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $215,000 | n/a | 0.0% | |
| City Lending Inc. | $215,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $215,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $215,000 | n/a | 0.0% | |
| Florida Capital Bank | $215,000 | n/a | 0.0% | |
| Quaint Oak Mortgage, LLC | $215,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $465,000 | $215,000 | -53.8% | 0.0% |
| RIVERFRONT | $35,000 | $215,000 | 514.3% | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| MORTGAGE EQUITY PARTNERS LLC | $205,000 | n/a | 0.0% | |
| UBS Bank USA | $205,000 | n/a | 0.0% | |
| AgFirst Farm Credit Bank | $195,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $335,000 | $195,000 | -41.8% | 0.0% |
| First Keystone Community Bank | $195,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $195,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $195,000 | n/a | 0.0% | |
| Ally Bank | $1,235,000 | $185,000 | -85.0% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $455,000 | $185,000 | -59.3% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $185,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $275,000 | $185,000 | -32.7% | 0.0% |
| The Ephrata National Bank | $185,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $175,000 | n/a | 0.0% | |
| Mortgage America, Inc. | $175,000 | n/a | 0.0% | |
| THE MORTGAGE LINK, INC. | $165,000 | $175,000 | 6.1% | 0.0% |
| TOWER | $600,000 | $175,000 | -70.8% | 0.0% |
| Alerus Financial | $165,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $380,000 | $165,000 | -56.6% | 0.0% |
| SIRVA MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
| Allied First Bank,sb | $155,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $65,000 | $155,000 | 138.5% | 0.0% |
| Metro City Bank | $155,000 | n/a | 0.0% | |
| Texana Bank | $155,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $310,000 | $140,000 | -54.8% | 0.0% |
| SPRING EQ, LLC | $110,000 | $130,000 | 18.2% | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $125,000 | n/a | 0.0% | |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $125,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $110,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $235,000 | $110,000 | -53.2% | 0.0% |
| Centier Bank | $65,000 | $45,000 | -30.8% | 0.0% |
| Superior Credit Union | $45,000 | n/a | 0.0% | |
| TD Bank | $35,000 | n/a | 0.0% | |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | $25,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $55,000 | $25,000 | -54.5% | 0.0% |
| AMERICHOICE | $15,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $15,000 | n/a | 0.0% |
CHAMBERSBURG - WAYNESBORO's top lender by overall market share is Farmers and Merchants Trust Company of Chambersburg, with 7.9% market share. In second place, with 6.4%, is PATRIOT, having originated $41,775,000 in loans. In third place, with 5.6%, is Orrstown Bank, having originated $36,505,000 in loans. In fourth place, with 5.5%, is QUICKEN LOANS, LLC, having originated $36,010,000 in loans. In fifth place, with 4.1%, is M&T Bank, having originated $27,035,000 in loans.
CHAMBERSBURG-WAYNESBORO, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,666 | $421,450,000 | $252,971 |
| Refi | 595 | $99,035,000 | $166,445 |
| Home Improvement | 539 | $40,555,000 | $75,241 |
| Other | 438 | $35,420,000 | $80,868 |
| Cash Out Refi | 313 | $60,955,000 | $194,744 |
Chambersburg - Waynesboro's most frequently cited loan purpose was Home Purchase, with 1,666 originations. The 2nd most popular reason was Refi, with 595 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,336 | $302,960,000 | $226,766 |
| 7-8% | 579 | $128,605,000 | $222,116 |
| 5-6% | 574 | $108,840,000 | $189,617 |
| Over 8% | 567 | $55,435,000 | $97,769 |
| 4-5% | 344 | $37,770,000 | $109,797 |
| <2.5% | 81 | $5,705,000 | $70,432 |
| 3-4% | 4 | $780,000 | $195,000 |
| 2.5-3% | 1 | $135,000 | $135,000 |
During 2024, Chambersburg - Waynesboro's most frequently originated rate bucket was 6-7%, with 1,336 originations.
Loan Sizing (CHAMBERSBURG-WAYNESBORO, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,269 | $342,375,000 | $269,799 |
| $100,000 or less | 1,117 | $56,405,000 | $50,497 |
| $100k-200k | 952 | $140,200,000 | $147,269 |
| $400k-600k | 166 | $77,710,000 | $468,133 |
| $600k-1000k | 38 | $27,740,000 | $730,000 |
| $Over $1MM | 9 | $12,985,000 | $1,442,778 |
CHAMBERSBURG - WAYNESBORO's loan sizing saw the bucket of loans from $200k-400k with 1,269 originations, totaling $342,375,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,219 | $331,325,000 | $271,801 |
| Under 20% | 651 | $25,485,000 | $39,147 |
| 20-40% | 629 | $56,835,000 | $90,358 |
| 60-80% | 578 | $137,720,000 | $238,270 |
| 40-60% | 319 | $56,535,000 | $177,226 |
| Over 100% | 55 | $19,995,000 | $363,545 |
CHAMBERSBURG - WAYNESBORO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,219 originations, totaling $331,325,000 in origination value.