CHAMBERSBURG - WAYNESBORO Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Chambersburg - Waynesboro averaged
7.01%
for the week of 2023-11-30, compared to the national average of
7.22% for the same period.
The average rate for the prior week (2023-11-22) was
7.38% and
one month ago for the week of 2023-10-26, the
average rate was 7.68%.
Chambersburg - Waynesboro's average rate one year ago was 6.37%.
For refis of the same type during the week of 2023-11-30, the average rate
was 5.43%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-11-30 | 7.22% |
| Chambersburg - Waynesboro 30 Year Fixed Rate | 2023-11-30 | 7.01% |
| Chambersburg - Waynesboro 30 Year Fixed Rate Refi | 2023-11-30 | 5.43% |
| Chambersburg - Waynesboro 15 Year Fixed Rate | 2023-11-30 | 6.5% |
| Chambersburg - Waynesboro 15 Year Fixed Rate Refi | 2023-11-30 | 5.74% |
| Chambersburg - Waynesboro 30 Year FHA | 2023-11-30 | 6.67% |
| Chambersburg - Waynesboro 30 Year FHA Refi | 2023-11-30 | 6.75% |
| Chambersburg - Waynesboro 30 Year USDA | 2023-11-30 | 6.23% |
| Chambersburg - Waynesboro 30 Year USDA Refi | 2023-11-30 | 7.2% |
| Chambersburg - Waynesboro 30 Year VA | 2023-11-30 | 6.59% |
| Chambersburg - Waynesboro 30 Year VA Refi | 2023-11-30 | 6.77% |
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 146 lenders originated 4,144
loans during 2022. The total origination value was $798,760,000, with an average loan value of
$192,751.
CHAMBERSBURG - WAYNESBORO's average closing costs are $5,634.
The top CHAMBERSBURG - WAYNESBORO lender as defined by loan originations is QUICKEN LOANS, LLC, with
97 loans originated. Their average total fees are
$7,285, which is $3,501
higher than the next largest lender,
PATRIOT.
The lowest fee CHAMBERSBURG - WAYNESBORO lenders (with over 10 loans originated) are
PATRIOT ($3,783), Farmers and Merchants Trust Company of Chambersburg ($4,004), CNB Bank Inc. ($4,089), CORNING ($4,191) and Truist ($4,284).
The lowest rate CHAMBERSBURG - WAYNESBORO lenders (with over 10 loans originated) are
PNC Bank (4.40%), CNB Bank Inc. (4.46%), Farmers and Merchants Trust Company of Chambersburg (4.56%), George Mason Mortgage, LLC (4.59%) and Wells Fargo Bank (4.65%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| Farmers and Merchants Trust Company of Chambersburg | $118,070,000 | $64,800,000 | -45.1% | 8.1% |
| Orrstown Bank | $69,605,000 | $50,600,000 | -27.3% | 6.3% |
| QUICKEN LOANS, LLC | $97,645,000 | $47,485,000 | -51.4% | 5.9% |
| PATRIOT | $90,720,000 | $43,470,000 | -52.1% | 5.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $61,915,000 | $30,260,000 | -51.1% | 3.8% |
| M&T Bank | $29,915,000 | $24,600,000 | -17.8% | 3.1% |
| GUILD MORTGAGE COMPANY | $8,600,000 | $23,430,000 | 172.4% | 2.9% |
| Integrity Home Mortgage Corp | $37,930,000 | $22,895,000 | -39.6% | 2.9% |
| UNION HOME MORTGAGE CORP. | $38,020,000 | $21,575,000 | -43.3% | 2.7% |
| Northpointe Bank | $24,505,000 | $15,760,000 | -35.7% | 2.0% |
| Mortgage Research Center, LLC | $15,880,000 | $15,225,000 | -4.1% | 1.9% |
| BERKELEY POINT CAPITAL LLC | $15,135,000 | n/a | 1.9% | |
| CORNING | $12,445,000 | $13,745,000 | 10.4% | 1.7% |
| ACNB Bank | $29,555,000 | $13,400,000 | -54.7% | 1.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $12,375,000 | $13,110,000 | 5.9% | 1.6% |
| PEOPLESBANK, A CODORUS VALLEY COMPANY | $525,000 | $12,810,000 | 2,340.0% | 1.6% |
| Truist | $12,725,000 | $12,410,000 | -2.5% | 1.6% |
| George Mason Mortgage, LLC | $15,690,000 | $10,645,000 | -32.2% | 1.3% |
| CNB Bank Inc. | $10,400,000 | $10,625,000 | 2.2% | 1.3% |
| LOANDEPOT.COM, LLC | $21,110,000 | $10,240,000 | -51.5% | 1.3% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $9,395,000 | n/a | 1.2% | |
| HOMESPIRE MORTGAGE CORPORATION | $7,215,000 | $9,220,000 | 27.8% | 1.2% |
| NAVY FEDERAL CREDIT UNION | $11,070,000 | $9,035,000 | -18.4% | 1.1% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $11,195,000 | $8,555,000 | -23.6% | 1.1% |
| Middletown Valley Bank | $8,735,000 | $8,190,000 | -6.2% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $33,105,000 | $8,125,000 | -75.5% | 1.0% |
| Wells Fargo Bank | $30,420,000 | $7,725,000 | -74.6% | 1.0% |
| Fulton Bank | $13,735,000 | $7,565,000 | -44.9% | 0.9% |
| CIVIC FINANCIAL SERVICES, LLC | $5,195,000 | $6,910,000 | 33.0% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $22,505,000 | $6,760,000 | -70.0% | 0.8% |
| Citizens & Northern Bank | $275,000 | $6,755,000 | 2,356.4% | 0.8% |
| Community State Bank of Orbisonia | $8,355,000 | $6,280,000 | -24.8% | 0.8% |
| NEWREZ LLC | $22,770,000 | $5,505,000 | -75.8% | 0.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,000,000 | $5,470,000 | -21.9% | 0.7% |
| TIDEWATER MORTGAGE SERVICES, INC. | $5,360,000 | $5,440,000 | 1.5% | 0.7% |
| NFM, INC. | $2,165,000 | $5,285,000 | 144.1% | 0.7% |
| USAA Federal Savings Bank | $5,635,000 | $5,095,000 | -9.6% | 0.6% |
| Citizens Bank | $8,900,000 | $5,075,000 | -43.0% | 0.6% |
| PNC Bank | $4,740,000 | $5,035,000 | 6.2% | 0.6% |
| FIRST HOME MORTGAGE CORPORATION | $6,695,000 | $4,975,000 | -25.7% | 0.6% |
| Homesale Mortgage, LLC | $7,595,000 | $4,970,000 | -34.6% | 0.6% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $4,315,000 | $4,670,000 | 8.2% | 0.6% |
| ENVOY MORTGAGE, LTD | $4,610,000 | n/a | 0.6% | |
| QNB Bank | $4,605,000 | n/a | 0.6% | |
| Mr. Cooper ( Nationstar Mortgage ) | $10,715,000 | $4,170,000 | -61.1% | 0.5% |
| Pennian Bank | $135,000 | $4,160,000 | 2,981.5% | 0.5% |
| MidAtlantic Farm Credit, ACA | $3,830,000 | n/a | 0.5% | |
| HOME POINT FINANCIAL CORPORATION | $8,510,000 | $3,730,000 | -56.2% | 0.5% |
| T2 FINANCIAL LLC | $3,680,000 | $3,695,000 | 0.4% | 0.5% |
| BAY CAPITAL MORTGAGE CORPORATION | $2,365,000 | $3,475,000 | 46.9% | 0.4% |
| MCLEAN MORTGAGE CORPORATION | $4,660,000 | $3,055,000 | -34.4% | 0.4% |
| U.S. Bank | $4,430,000 | $2,975,000 | -32.8% | 0.4% |
| Mortgage Network, Inc. | $1,450,000 | $2,935,000 | 102.4% | 0.4% |
| Flagstar Bank, FSB | $3,735,000 | $2,910,000 | -22.1% | 0.4% |
| GUARANTEED RATE AFFINITY, LLC | $850,000 | $2,910,000 | 242.4% | 0.4% |
| EMBRACE HOME LOANS, INC. | $4,255,000 | $2,875,000 | -32.4% | 0.4% |
| Atlantic Union Bank | $3,820,000 | $2,780,000 | -27.2% | 0.3% |
| JPMorgan Chase Bank | $5,810,000 | $2,720,000 | -53.2% | 0.3% |
| First United Corporation | $2,595,000 | $2,650,000 | 2.1% | 0.3% |
| Towne Bank | $2,585,000 | $2,640,000 | 2.1% | 0.3% |
| CALIBER HOME LOANS, INC. | $6,585,000 | $2,615,000 | -60.3% | 0.3% |
| BROKER SOLUTIONS, INC. | $3,350,000 | $2,555,000 | -23.7% | 0.3% |
| CBM Mortgage, Inc. | $2,510,000 | $2,555,000 | 1.8% | 0.3% |
| DHI MORTGAGE COMPANY, LTD. | $8,605,000 | $2,490,000 | -71.1% | 0.3% |
| MILLENNIUM FINANCIAL GROUP, INC. | $6,360,000 | $2,350,000 | -63.1% | 0.3% |
| NEW DAY FINANCIAL, LLC | $4,515,000 | $2,290,000 | -49.3% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,445,000 | $2,240,000 | -35.0% | 0.3% |
| Bank of America | $3,470,000 | $2,230,000 | -35.7% | 0.3% |
| PLANET HOME LENDING, LLC | $3,425,000 | $2,120,000 | -38.1% | 0.3% |
| Carrington Mortgage Services, LLC | $2,225,000 | $1,995,000 | -10.3% | 0.2% |
| United Bank | $775,000 | $1,860,000 | 140.0% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $9,210,000 | $1,825,000 | -80.2% | 0.2% |
| Plains Commerce Bank | $7,460,000 | $1,780,000 | -76.1% | 0.2% |
| Network Funding, L.P. | $2,480,000 | $1,740,000 | -29.8% | 0.2% |
| Prosperity Home Mortgage, LLC | $2,055,000 | $1,670,000 | -18.7% | 0.2% |
| AMERICAN FINANCING CORPORATION | $3,735,000 | $1,610,000 | -56.9% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $3,560,000 | $1,570,000 | -55.9% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $310,000 | $1,550,000 | 400.0% | 0.2% |
| BETTER MORTGAGE CORPORATION | $7,260,000 | $1,515,000 | -79.1% | 0.2% |
| Foote Capital Mortgage Company | $3,105,000 | $1,485,000 | -52.2% | 0.2% |
| WesBanco Bank, Inc. | $395,000 | $1,485,000 | 275.9% | 0.2% |
| FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | $665,000 | $1,470,000 | 121.1% | 0.2% |
| Presidential Bank, FSB | $1,855,000 | $1,460,000 | -21.3% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $4,305,000 | $1,395,000 | -67.6% | 0.2% |
| Fifth Third Bank | $505,000 | $1,390,000 | 175.2% | 0.2% |
| York Traditions Bank | $1,420,000 | $1,385,000 | -2.5% | 0.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $3,790,000 | $1,325,000 | -65.0% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $4,465,000 | $1,285,000 | -71.2% | 0.2% |
| Univest Bank and Trust Co. | $165,000 | $1,240,000 | 651.5% | 0.2% |
| EVERETT FINANCIAL, INC. | $225,000 | $1,190,000 | 428.9% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $915,000 | $1,175,000 | 28.4% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,455,000 | $1,150,000 | -21.0% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $195,000 | $1,115,000 | 471.8% | 0.1% |
| PREMIA MORTGAGE, LLC | $275,000 | $1,110,000 | 303.6% | 0.1% |
| The Huntington National Bank | $410,000 | $1,110,000 | 170.7% | 0.1% |
| HomePromise Corporation | $1,180,000 | $1,070,000 | -9.3% | 0.1% |
| KELLER MORTGAGE, LLC | $1,000,000 | $1,045,000 | 4.5% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $795,000 | $1,010,000 | 27.0% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $6,745,000 | $1,010,000 | -85.0% | 0.1% |
| Discover Bank | $485,000 | $1,005,000 | 107.2% | 0.1% |
| SOUTHERN TRUST MORTGAGE, LLC | $3,065,000 | $985,000 | -67.9% | 0.1% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $1,895,000 | $970,000 | -48.8% | 0.1% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $1,590,000 | $965,000 | -39.3% | 0.1% |
| Northwest Bank | $175,000 | $965,000 | 451.4% | 0.1% |
| TJC Mortgage, Inc. | $1,460,000 | $965,000 | -33.9% | 0.1% |
| US MORTGAGE CORPORATION | $785,000 | $965,000 | 22.9% | 0.1% |
| Sandy Spring Bank | $955,000 | n/a | 0.1% | |
| RESIDENTIAL BANCORP. | $820,000 | $950,000 | 15.9% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $2,230,000 | $940,000 | -57.8% | 0.1% |
| BELCO COMMUNITY CREDIT UNION | $380,000 | $920,000 | 142.1% | 0.1% |
| NVR Mortgage Finance, Inc. | $840,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $615,000 | $835,000 | 35.8% | 0.1% |
| TOWER | $395,000 | $830,000 | 110.1% | 0.1% |
| Meridian Bank Corporation | $1,225,000 | $820,000 | -33.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,510,000 | $820,000 | -45.7% | 0.1% |
| THE MORTGAGE LINK, INC. | $815,000 | n/a | 0.1% | |
| First National Bank of Pennsylvania | $685,000 | $800,000 | 16.8% | 0.1% |
| GUARANTEED RATE, INC. | $2,860,000 | $795,000 | -72.2% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,865,000 | $765,000 | -59.0% | 0.1% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $760,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $1,665,000 | $750,000 | -55.0% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $2,315,000 | $740,000 | -68.0% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $675,000 | $735,000 | 8.9% | 0.1% |
| TD Bank | $685,000 | n/a | 0.1% | |
| Citibank | $545,000 | $675,000 | 23.9% | 0.1% |
| DIRECT MORTGAGE LOANS, LLC | $780,000 | $650,000 | -16.7% | 0.1% |
| PHH Mortgage Corporation | $580,000 | $640,000 | 10.3% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $635,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $25,000 | $605,000 | 2,320.0% | 0.1% |
| AgFirst Farm Credit Bank | $210,000 | $580,000 | 176.2% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $2,440,000 | $580,000 | -76.2% | 0.1% |
| NBKC BANK | $365,000 | $575,000 | 57.5% | 0.1% |
| FIDELITY DIRECT MORTGAGE, LLC | $1,540,000 | $570,000 | -63.0% | 0.1% |
| KeyBank | $945,000 | $570,000 | -39.7% | 0.1% |
| 21ST MORTGAGE CORPORATION | $540,000 | $555,000 | 2.8% | 0.1% |
| Baxter Credit Union | $540,000 | n/a | 0.1% | |
| MILEND, INC. | $770,000 | $530,000 | -31.2% | 0.1% |
| AMERICAN ADVISORS GROUP | $475,000 | $525,000 | 10.5% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $245,000 | $520,000 | 112.2% | 0.1% |
| The Federal Savings Bank | $1,815,000 | $520,000 | -71.3% | 0.1% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $655,000 | $510,000 | -22.1% | 0.1% |
| Ally Bank | $165,000 | $500,000 | 203.0% | 0.1% |
| Magnolia Bank | $615,000 | $500,000 | -18.7% | 0.1% |
| Equity Prime Mortgage LLC | $340,000 | $495,000 | 45.6% | 0.1% |
| EMM LOANS LLC | $1,985,000 | $480,000 | -75.8% | 0.1% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $470,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $590,000 | $440,000 | -25.4% | 0.1% |
| Morgan Stanley Private Bank | $435,000 | n/a | 0.1% | |
| The Bank of Landisburg | $3,350,000 | $420,000 | -87.5% | 0.1% |
| The Juniata Valley Bank | $695,000 | $415,000 | -40.3% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $220,000 | $410,000 | 86.4% | 0.1% |
| A&D Mortgage LLC | $405,000 | n/a | 0.1% | |
| HOMEAMERICAN MORTGAGE CORPORATION | $405,000 | n/a | 0.1% | |
| Mid Penn Bank | $2,485,000 | $405,000 | -83.7% | 0.1% |
| LIMA ONE CAPITAL, LLC | $395,000 | n/a | 0.0% | |
| Peoples Bank | $395,000 | n/a | 0.0% | |
| NYMEO FEDERAL CREDIT UNION | $520,000 | $385,000 | -26.0% | 0.0% |
| CLEARPATH LENDING | $1,185,000 | $380,000 | -67.9% | 0.0% |
| Princeton Mortgage Corporation | $600,000 | $370,000 | -38.3% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $895,000 | $345,000 | -61.5% | 0.0% |
| Metro City Bank | $245,000 | $340,000 | 38.8% | 0.0% |
| CHERRY CREEK MORTGAGE, LLC | $335,000 | n/a | 0.0% | |
| HERSHEY | $335,000 | n/a | 0.0% | |
| Paramount Bank | $335,000 | n/a | 0.0% | |
| Bank of England | $755,000 | $330,000 | -56.3% | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | $330,000 | n/a | 0.0% | |
| ANGEL OAK HOME LOANS LLC | $325,000 | n/a | 0.0% | |
| SWBC MORTGAGE CORPORATION | $325,000 | n/a | 0.0% | |
| POLICE & FIRE | $275,000 | $315,000 | 14.5% | 0.0% |
| AmeriServ Financial Bank | $2,660,000 | $305,000 | -88.5% | 0.0% |
| Willamette Valley Bank | $305,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $295,000 | n/a | 0.0% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $295,000 | n/a | 0.0% | |
| Kish Bank | $235,000 | $285,000 | 21.3% | 0.0% |
| NEXERA HOLDING LLC | $285,000 | n/a | 0.0% | |
| OCMBC, INC. | $135,000 | $285,000 | 111.1% | 0.0% |
| Ixonia Bank | $280,000 | n/a | 0.0% | |
| Congressional Bank | $275,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $275,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $710,000 | $260,000 | -63.4% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $235,000 | $255,000 | 8.5% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $255,000 | n/a | 0.0% | |
| First Federal Bank of Kansas City | $245,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $245,000 | $240,000 | -2.0% | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $235,000 | n/a | 0.0% | |
| Ameris Bank | $235,000 | n/a | 0.0% | |
| FirstBank | $265,000 | $235,000 | -11.3% | 0.0% |
| First Federal Bank | $95,000 | $235,000 | 147.4% | 0.0% |
| First Federal Bank of the Midwest | $225,000 | n/a | 0.0% | |
| FINANCE OF AMERICA MORTGAGE LLC | $965,000 | $215,000 | -77.7% | 0.0% |
| LOANPAL, LLC | $370,000 | $215,000 | -41.9% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $965,000 | $215,000 | -77.7% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $995,000 | $215,000 | -78.4% | 0.0% |
| Shore United Bank | $455,000 | $215,000 | -52.7% | 0.0% |
| 1ST PREFERENCE MORTGAGE CORP. | $525,000 | $205,000 | -61.0% | 0.0% |
| City National Bank of West Virginia | $430,000 | $205,000 | -52.3% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $225,000 | $205,000 | -8.9% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $195,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $195,000 | n/a | 0.0% | |
| MLB RESIDENTIAL LENDING, LLC | $195,000 | n/a | 0.0% | |
| Nations Lending Corporation | $1,015,000 | $195,000 | -80.8% | 0.0% |
| POLARIS HOME FUNDING CORP. | $185,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $910,000 | $185,000 | -79.7% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $760,000 | $180,000 | -76.3% | 0.0% |
| First Home Bank | $175,000 | n/a | 0.0% | |
| Sunflower Bank | $175,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $175,000 | n/a | 0.0% | |
| Low VA Rates, LLC | $165,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $165,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $60,000 | $165,000 | 175.0% | 0.0% |
| Alcova Mortgage LLC | $125,000 | $155,000 | 24.0% | 0.0% |
| Assurance Financial Group, L.L.C. | $155,000 | n/a | 0.0% | |
| Atlantic Coast Mortgage, LLC | $155,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $155,000 | n/a | 0.0% | |
| FIRST FINANCIAL OF MARYLAND | $155,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $325,000 | $155,000 | -52.3% | 0.0% |
| RIVERFRONT | $155,000 | n/a | 0.0% | |
| AMERICHOICE | $150,000 | n/a | 0.0% | |
| West Town Bank & Trust | $255,000 | $145,000 | -43.1% | 0.0% |
| MORIA DEVELOPMENT, INC. | $135,000 | n/a | 0.0% | |
| Centric Bank | $515,000 | $125,000 | -75.7% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $125,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $165,000 | $125,000 | -24.2% | 0.0% |
| SOMERSET TRUST COMPANY | $115,000 | n/a | 0.0% | |
| AMERICAN HERITAGE FCU | $125,000 | $105,000 | -16.0% | 0.0% |
| CMG MORTGAGE, INC. | $195,000 | $105,000 | -46.2% | 0.0% |
| FAY SERVICING, LLC | $105,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $105,000 | n/a | 0.0% | |
| MEMBER ADVANTAGE MORTGAGE, LLC | $105,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $2,220,000 | $95,000 | -95.7% | 0.0% |
| EDUCATIONAL SYSTEMS | $195,000 | $90,000 | -53.8% | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | $90,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $85,000 | n/a | 0.0% | |
| Johns Hopkins Federal Credit Union | $85,000 | n/a | 0.0% | |
| S&T Bank | $1,020,000 | $85,000 | -91.7% | 0.0% |
| BALTIMORE COUNTY EMPLOYEES | $75,000 | n/a | 0.0% | |
| GREENWOOD | $65,000 | n/a | 0.0% | |
| Santander Bank, N.A. | $505,000 | $65,000 | -87.1% | 0.0% |
| United States Senate Federal Credit Union | $60,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $290,000 | $45,000 | -84.5% | 0.0% |
| Northwest Federal Credit Union | $550,000 | $45,000 | -91.8% | 0.0% |
| FREEDOM CREDIT UNION | $25,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $315,000 | $25,000 | -92.1% | 0.0% |
| SkyPoint Federal Credit Union | $25,000 | n/a | 0.0% | |
| The Ephrata National Bank | $585,000 | $15,000 | -97.4% | 0.0% |
CHAMBERSBURG - WAYNESBORO's top lender by overall market share is Farmers and Merchants Trust Company of Chambersburg, with 8.1% market share. In second place, with 6.3%, is Orrstown Bank, having originated $50,600,000 in loans. In third place, with 5.9%, is QUICKEN LOANS, LLC, having originated $47,485,000 in loans. In fourth place, with 5.4%, is PATRIOT, having originated $43,470,000 in loans. In fifth place, with 3.8%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $30,260,000 in loans.
CHAMBERSBURG-WAYNESBORO, PA Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 17021 | Chambersburg-Waynesboro, PA | $590 | $700 | $880 | $1,120 | $1,200 |
| 17201 | Chambersburg-Waynesboro, PA | $720 | $720 | $950 | $1,280 | $1,330 |
| 17202 | Chambersburg-Waynesboro, PA | $810 | $810 | $1,070 | $1,450 | $1,500 |
| 17210 | Chambersburg-Waynesboro, PA | $610 | $640 | $840 | $1,110 | $1,160 |
| 17214 | Chambersburg-Waynesboro, PA | $590 | $620 | $810 | $1,080 | $1,110 |
| 17217 | Chambersburg-Waynesboro, PA | $710 | $710 | $940 | $1,270 | $1,320 |
| 17219 | Chambersburg-Waynesboro, PA | $590 | $660 | $850 | $1,080 | $1,150 |
| 17220 | Chambersburg-Waynesboro, PA | $710 | $710 | $940 | $1,270 | $1,320 |
| 17221 | Chambersburg-Waynesboro, PA | $600 | $620 | $810 | $1,080 | $1,110 |
| 17222 | Chambersburg-Waynesboro, PA | $690 | $730 | $920 | $1,250 | $1,420 |
| 17224 | Chambersburg-Waynesboro, PA | $590 | $620 | $810 | $1,080 | $1,110 |
| 17225 | Chambersburg-Waynesboro, PA | $790 | $790 | $1,040 | $1,410 | $1,460 |
| 17232 | Chambersburg-Waynesboro, PA | $710 | $710 | $940 | $1,270 | $1,320 |
| 17233 | Chambersburg-Waynesboro, PA | $710 | $710 | $940 | $1,270 | $1,320 |
| 17235 | Chambersburg-Waynesboro, PA | $890 | $900 | $1,180 | $1,590 | $1,650 |
| 17236 | Chambersburg-Waynesboro, PA | $690 | $690 | $910 | $1,230 | $1,280 |
| 17237 | Chambersburg-Waynesboro, PA | $760 | $760 | $1,000 | $1,350 | $1,400 |
| 17240 | Chambersburg-Waynesboro, PA | $730 | $810 | $1,040 | $1,350 | $1,430 |
| 17244 | Chambersburg-Waynesboro, PA | $800 | $810 | $1,060 | $1,430 | $1,490 |
| 17246 | Chambersburg-Waynesboro, PA | $790 | $800 | $1,050 | $1,410 | $1,470 |
| 17247 | Chambersburg-Waynesboro, PA | $700 | $710 | $930 | $1,260 | $1,300 |
| 17250 | Chambersburg-Waynesboro, PA | $700 | $710 | $930 | $1,260 | $1,300 |
| 17251 | Chambersburg-Waynesboro, PA | $740 | $760 | $990 | $1,320 | $1,380 |
| 17252 | Chambersburg-Waynesboro, PA | $590 | $620 | $810 | $1,080 | $1,110 |
| 17254 | Chambersburg-Waynesboro, PA | $810 | $810 | $1,070 | $1,450 | $1,500 |
| 17256 | Chambersburg-Waynesboro, PA | $790 | $790 | $1,040 | $1,410 | $1,460 |
| 17257 | Chambersburg-Waynesboro, PA | $720 | $800 | $1,030 | $1,330 | $1,410 |
| 17261 | Chambersburg-Waynesboro, PA | $690 | $700 | $920 | $1,250 | $1,300 |
| 17262 | Chambersburg-Waynesboro, PA | $600 | $620 | $810 | $1,080 | $1,110 |
| 17263 | Chambersburg-Waynesboro, PA | $730 | $740 | $960 | $1,310 | $1,360 |
| 17265 | Chambersburg-Waynesboro, PA | $760 | $770 | $1,010 | $1,360 | $1,420 |
| 17268 | Chambersburg-Waynesboro, PA | $700 | $710 | $930 | $1,260 | $1,300 |
| 17270 | Chambersburg-Waynesboro, PA | $790 | $790 | $1,040 | $1,410 | $1,460 |
| 17271 | Chambersburg-Waynesboro, PA | $610 | $620 | $810 | $1,100 | $1,140 |
| 17272 | Chambersburg-Waynesboro, PA | $700 | $710 | $930 | $1,260 | $1,300 |
2022 Average & Median Rent Data Statistics
CHAMBERSBURG-WAYNESBORO, PA average 1BR rent: $725, median: $710
CHAMBERSBURG-WAYNESBORO, PA average 2BR rent: $948, median: $940
CHAMBERSBURG-WAYNESBORO, PA average 3BR rent: $1,272, median: $1,270
CHAMBERSBURG-WAYNESBORO, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,022 | $496,540,000 | $245,569 |
| Refi | 719 | $115,155,000 | $160,160 |
| Home Improvement | 499 | $34,465,000 | $69,068 |
| Cash Out Refi | 499 | $121,105,000 | $242,695 |
| Other | 405 | $31,495,000 | $77,765 |
Chambersburg - Waynesboro's most frequently cited loan purpose was Home Purchase, with 2,022 originations. The 2nd most popular reason was Refi, with 719 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 956 | $179,450,000 | $187,709 |
| 4-5% | 891 | $196,145,000 | $220,140 |
| 5-6% | 888 | $199,630,000 | $224,809 |
| <2.5% | 447 | $51,275,000 | $114,709 |
| 6-7% | 413 | $75,815,000 | $183,571 |
| 2.5-3% | 278 | $49,530,000 | $178,165 |
| 7-8% | 135 | $21,275,000 | $157,593 |
| Over 8% | 64 | $4,530,000 | $70,781 |
During 2022, Chambersburg - Waynesboro's most frequently originated rate bucket was 3-4%, with 956 originations.
Loan Sizing (CHAMBERSBURG-WAYNESBORO, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 1,518 | $228,640,000 | $150,619 |
| $200k-400k | 1,377 | $368,265,000 | $267,440 |
| $100,000 or less | 1,061 | $55,695,000 | $52,493 |
| $400k-600k | 148 | $69,680,000 | $470,811 |
| $600k-1000k | 30 | $21,590,000 | $719,667 |
| $Over $1MM | 10 | $54,890,000 | $5,489,000 |
CHAMBERSBURG - WAYNESBORO's loan sizing saw the bucket of loans from $100k-200k with 1,518 originations, totaling $228,640,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,576 | $385,800,000 | $244,797 |
| 60-80% | 948 | $237,630,000 | $250,665 |
| 20-40% | 536 | $46,310,000 | $86,399 |
| Under 20% | 532 | $20,930,000 | $39,342 |
| 40-60% | 396 | $65,040,000 | $164,242 |
| Over 100% | 60 | $17,370,000 | $289,500 |
CHAMBERSBURG - WAYNESBORO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,576 originations, totaling $385,800,000 in origination value.