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.).
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.
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.
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.
