GETTYSBURG Mortgage Rates
30 Year Fixed Rate mortgages in Gettysburg averaged
5.62%
for the week of 2022-05-12, compared to the national average of
5.3% for the same period.
The average rate for the prior week (2022-05-05) was
5.19% and
one month ago for the week of 2022-04-07, the
average rate was 4.64%.
Gettysburg's average rate one year ago was 3.05%.
For refis of the same type during the week of 2022-05-12, the average rate
was 5.34%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-12 | 5.3% |
| Gettysburg 30 Year Fixed Rate | 2022-05-12 | 5.62% |
| Gettysburg 30 Year Fixed Rate Refi | 2022-05-12 | 5.34% |
| Gettysburg 15 Year Fixed Rate | 2022-05-12 | 4.75% |
| Gettysburg 15 Year Fixed Rate Refi | 2022-05-12 | 4.77% |
| Gettysburg 30 Year FHA | 2022-05-12 | 5.28% |
| Gettysburg 30 Year FHA Refi | 2022-05-12 | 5.27% |
| Gettysburg 30 Year USDA | 2022-05-12 | 5.28% |
| Gettysburg 30 Year USDA Refi | 2022-05-12 | 4.82% |
| Gettysburg 30 Year VA | 2022-05-12 | 5.2% |
| Gettysburg 30 Year VA Refi | 2022-05-12 | 5.15% |
GETTYSBURG 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 GETTYSBURG, 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.).
GETTYSBURG, PA's 189 lenders originated 4,719
loans during 2021. The total origination value was $982,845,000, with an average loan value of
$208,274.
The top GETTYSBURG lender as defined by loan originations is QUICKEN LOANS, LLC, with
158 loans originated. Their average total fees are
$5,590, which is $1,858
higher than the next largest lender,
ACNB Bank.
The lowest fee GETTYSBURG lenders (with over 10 loans originated) are
ACNB Bank ($3,731), Fulton Bank ($3,877), Truist Bank ($3,889), GUARANTEED RATE, INC. ($3,913) and Homesale Mortgage, LLC ($4,025).
The lowest rate GETTYSBURG lenders (with over 10 loans originated) are
BETTER MORTGAGE CORPORATION (2.76%), Citizens Bank (2.91%), Bank of America (2.91%), AMERISAVE MORTGAGE CORPORATION (2.92%) and ACNB Bank (2.94%).
GETTYSBURG, 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $67,600,000 | $80,090,000 | 18.5% | 8.1% |
| ACNB Bank | $81,965,000 | $69,705,000 | -15.0% | 7.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $49,845,000 | $49,980,000 | 0.3% | 5.1% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $36,890,000 | $44,470,000 | 20.5% | 4.5% |
| PNC Bank | $37,405,000 | $41,640,000 | 11.3% | 4.2% |
| York Traditions Bank | $37,715,000 | $39,505,000 | 4.7% | 4.0% |
| Wells Fargo Bank | $7,235,000 | $37,930,000 | 424.3% | 3.9% |
| FREEDOM MORTGAGE CORPORATION | $29,605,000 | $26,695,000 | -9.8% | 2.7% |
| MCLEAN MORTGAGE CORPORATION | $25,060,000 | $24,230,000 | -3.3% | 2.5% |
| Manufacturers and Traders Trust Company | $17,125,000 | $21,385,000 | 24.9% | 2.2% |
| BAY CAPITAL MORTGAGE CORPORATION | $16,545,000 | $20,415,000 | 23.4% | 2.1% |
| PEOPLESBANK, A CODORUS VALLEY COMPANY | $10,545,000 | $20,045,000 | 90.1% | 2.0% |
| LOANDEPOT.COM, LLC | $5,815,000 | $17,050,000 | 193.2% | 1.7% |
| RESIDENTIAL MORTGAGE SERVICES, INC. | $14,895,000 | $16,590,000 | 11.4% | 1.7% |
| PENNYMAC LOAN SERVICES, LLC | $7,810,000 | $16,075,000 | 105.8% | 1.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $8,495,000 | $13,295,000 | 56.5% | 1.4% |
| Integrity Home Mortgage Corp | $12,955,000 | n/a | 1.3% | |
| Mr. Cooper ( Nationstar Mortgage ) | $11,900,000 | $12,805,000 | 7.6% | 1.3% |
| Fulton Bank | $12,930,000 | $11,545,000 | -10.7% | 1.2% |
| AMERISAVE MORTGAGE CORPORATION | $4,610,000 | $10,760,000 | 133.4% | 1.1% |
| Mortgage Research Center, LLC | $9,940,000 | $10,285,000 | 3.5% | 1.0% |
| NFM, INC. | $7,640,000 | $9,525,000 | 24.7% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $7,895,000 | $9,395,000 | 19.0% | 1.0% |
| Truist Bank | $13,270,000 | $9,260,000 | -30.2% | 0.9% |
| MOVEMENT MORTGAGE, LLC | $4,060,000 | $9,080,000 | 123.6% | 0.9% |
| CALIBER HOME LOANS, INC. | $6,045,000 | $8,595,000 | 42.2% | 0.9% |
| NEWREZ LLC | $4,025,000 | $8,355,000 | 107.6% | 0.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $7,770,000 | $7,835,000 | 0.8% | 0.8% |
| Citizens Bank | $7,440,000 | $7,790,000 | 4.7% | 0.8% |
| Northpointe Bank | $6,175,000 | $7,475,000 | 21.1% | 0.8% |
| JPMorgan Chase Bank | $7,720,000 | $6,420,000 | -16.8% | 0.7% |
| FIRST HOME MORTGAGE CORPORATION | $1,580,000 | $6,170,000 | 290.5% | 0.6% |
| BETTER MORTGAGE CORPORATION | $2,885,000 | $6,115,000 | 112.0% | 0.6% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $4,220,000 | $6,070,000 | 43.8% | 0.6% |
| First National Bank of Pennsylvania | $5,135,000 | $5,860,000 | 14.1% | 0.6% |
| UNION HOME MORTGAGE CORP. | $3,555,000 | $5,770,000 | 62.3% | 0.6% |
| QNB Bank | $5,605,000 | n/a | 0.6% | |
| HOME POINT FINANCIAL CORPORATION | $4,065,000 | $5,600,000 | 37.8% | 0.6% |
| BELCO COMMUNITY CREDIT UNION | $2,180,000 | $5,455,000 | 150.2% | 0.6% |
| Towne Bank | $2,565,000 | $5,285,000 | 106.0% | 0.5% |
| Homesale Mortgage, LLC | $6,340,000 | $5,210,000 | -17.8% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $5,670,000 | $5,135,000 | -9.4% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,640,000 | $4,855,000 | -36.5% | 0.5% |
| Bank of America | $2,675,000 | $4,760,000 | 77.9% | 0.5% |
| CIVIC FINANCIAL SERVICES, LLC | $3,035,000 | $4,235,000 | 39.5% | 0.4% |
| EMBRACE HOME LOANS, INC. | $3,790,000 | $4,215,000 | 11.2% | 0.4% |
| GUARANTEED RATE, INC. | $1,975,000 | $4,145,000 | 109.9% | 0.4% |
| Mid Penn Bank | $1,160,000 | $4,030,000 | 247.4% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $3,735,000 | $3,740,000 | 0.1% | 0.4% |
| George Mason Mortgage, LLC | $3,150,000 | $3,715,000 | 17.9% | 0.4% |
| Orrstown Bank | $3,385,000 | $3,680,000 | 8.7% | 0.4% |
| AgChoice Farm Credit ACA | $1,985,000 | $3,615,000 | 82.1% | 0.4% |
| Valley National Bank | $2,905,000 | $3,555,000 | 22.4% | 0.4% |
| Prosperity Home Mortgage, LLC | $1,945,000 | $3,550,000 | 82.5% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,075,000 | $3,440,000 | 11.9% | 0.4% |
| GUILD MORTGAGE COMPANY | $3,430,000 | n/a | 0.3% | |
| NEW DAY FINANCIAL, LLC | $5,160,000 | $3,385,000 | -34.4% | 0.3% |
| Pennian Bank | $475,000 | $3,380,000 | 611.6% | 0.3% |
| TIDEWATER MORTGAGE SERVICES, INC. | $4,575,000 | $3,270,000 | -28.5% | 0.3% |
| Presidential Bank, FSB | $2,330,000 | $3,200,000 | 37.3% | 0.3% |
| BROKER SOLUTIONS, INC. | $2,325,000 | $3,180,000 | 36.8% | 0.3% |
| Farmers and Merchants Trust Company of Chambersburg | $3,585,000 | $3,175,000 | -11.4% | 0.3% |
| U.S. Bank | $2,470,000 | $3,110,000 | 25.9% | 0.3% |
| Meridian Bank Corporation | $3,635,000 | $3,080,000 | -15.3% | 0.3% |
| USAA Federal Savings Bank | $4,895,000 | $3,055,000 | -37.6% | 0.3% |
| InterContinental Capital Group, Inc | $1,770,000 | $3,020,000 | 70.6% | 0.3% |
| Northwest Bank | $1,775,000 | $2,890,000 | 62.8% | 0.3% |
| EAGLE HOME MORTGAGE, LLC | $2,875,000 | n/a | 0.3% | |
| Mortgage Network, Inc. | $3,120,000 | $2,790,000 | -10.6% | 0.3% |
| Carrington Mortgage Services, LLC | $2,220,000 | $2,785,000 | 25.5% | 0.3% |
| Sierra Pacific Mortgage Company, Inc. | $1,460,000 | $2,750,000 | 88.4% | 0.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | $2,100,000 | $2,645,000 | 26.0% | 0.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $805,000 | $2,495,000 | 209.9% | 0.3% |
| EQUITY RESOURCES, INC. | $3,710,000 | $2,320,000 | -37.5% | 0.2% |
| FIRST FINANCIAL OF MARYLAND | $1,190,000 | $2,285,000 | 92.0% | 0.2% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $2,115,000 | $2,275,000 | 7.6% | 0.2% |
| T2 FINANCIAL LLC | $2,235,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $1,235,000 | $2,210,000 | 78.9% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $2,025,000 | $2,160,000 | 6.7% | 0.2% |
| PATRIOT | $2,025,000 | $2,150,000 | 6.2% | 0.2% |
| SWBC MORTGAGE CORPORATION | $225,000 | $2,140,000 | 851.1% | 0.2% |
| The Federal Savings Bank | $2,860,000 | $2,040,000 | -28.7% | 0.2% |
| EMM LOANS LLC | $1,190,000 | $1,975,000 | 66.0% | 0.2% |
| NYMEO FEDERAL CREDIT UNION | $2,675,000 | $1,950,000 | -27.1% | 0.2% |
| TJC Mortgage, Inc. | $1,950,000 | $1,935,000 | -0.8% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $490,000 | $1,900,000 | 287.8% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $765,000 | $1,880,000 | 145.8% | 0.2% |
| CLEARPATH LENDING | $3,325,000 | $1,875,000 | -43.6% | 0.2% |
| KELLER MORTGAGE, LLC | $350,000 | $1,730,000 | 394.3% | 0.2% |
| DIRECT MORTGAGE LOANS, LLC | $1,140,000 | $1,705,000 | 49.6% | 0.2% |
| LINKBANK | $1,695,000 | n/a | 0.2% | |
| MILLENNIUM FINANCIAL GROUP, INC. | $1,480,000 | $1,690,000 | 14.2% | 0.2% |
| TOWER | $1,130,000 | $1,685,000 | 49.1% | 0.2% |
| SEVERN SAVINGS BANK, FSB DBA SEVERN BANK | $1,025,000 | $1,655,000 | 61.5% | 0.2% |
| Plains Commerce Bank | $890,000 | $1,620,000 | 82.0% | 0.2% |
| Farmers and Merchants Bank Of Fowblesburg, Maryland | $615,000 | $1,615,000 | 162.6% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $980,000 | $1,605,000 | 63.8% | 0.2% |
| Ally Bank | $1,325,000 | $1,575,000 | 18.9% | 0.2% |
| MILEND, INC. | $370,000 | $1,555,000 | 320.3% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $2,465,000 | $1,535,000 | -37.7% | 0.2% |
| HOMESTEAD FUNDING CORP. | $1,475,000 | n/a | 0.2% | |
| AmeriHome Mortgage Company, LLC | $1,570,000 | $1,470,000 | -6.4% | 0.1% |
| S&T Bank | $225,000 | $1,445,000 | 542.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $965,000 | $1,350,000 | 39.9% | 0.1% |
| ZILLOW HOME LOANS, LLC | $215,000 | $1,315,000 | 511.6% | 0.1% |
| SOUTHERN TRUST MORTGAGE, LLC | $375,000 | $1,310,000 | 249.3% | 0.1% |
| The Huntington National Bank | $1,415,000 | $1,305,000 | -7.8% | 0.1% |
| First Heritage Mortgage, LLC | $1,055,000 | $1,300,000 | 23.2% | 0.1% |
| Flagstar Bank, FSB | $475,000 | $1,260,000 | 165.3% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $2,150,000 | $1,240,000 | -42.3% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,150,000 | $1,240,000 | 7.8% | 0.1% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $1,065,000 | $1,235,000 | 16.0% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $1,680,000 | $1,190,000 | -29.2% | 0.1% |
| Santander Bank, N.A. | $1,850,000 | $1,185,000 | -35.9% | 0.1% |
| First Savings Bank | $800,000 | $1,175,000 | 46.9% | 0.1% |
| Low VA Rates, LLC | $1,175,000 | n/a | 0.1% | |
| EagleBank | $425,000 | $1,155,000 | 171.8% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,515,000 | $1,140,000 | -24.8% | 0.1% |
| Nations Lending Corporation | $450,000 | $1,090,000 | 142.2% | 0.1% |
| Bank of England | $380,000 | $980,000 | 157.9% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $225,000 | $975,000 | 333.3% | 0.1% |
| PHH Mortgage Corporation | $675,000 | $975,000 | 44.4% | 0.1% |
| Foote Capital Mortgage Company | $785,000 | $920,000 | 17.2% | 0.1% |
| CBM Mortgage, Inc. | $325,000 | $905,000 | 178.5% | 0.1% |
| INTERCOASTAL MORTGAGE COMPANY | $380,000 | $890,000 | 134.2% | 0.1% |
| HOMESPIRE MORTGAGE CORPORATION | $775,000 | $880,000 | 13.5% | 0.1% |
| 21ST MORTGAGE CORPORATION | $165,000 | $870,000 | 427.3% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $410,000 | $870,000 | 112.2% | 0.1% |
| APEX HOME LOANS, INC. | $690,000 | $855,000 | 23.9% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $1,150,000 | $845,000 | -26.5% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $660,000 | $830,000 | 25.8% | 0.1% |
| ENVOY MORTGAGE, LTD | $215,000 | $815,000 | 279.1% | 0.1% |
| Florida Capital Bank | $420,000 | $810,000 | 92.9% | 0.1% |
| First Home Bank | $585,000 | $790,000 | 35.0% | 0.1% |
| LOANPAL, LLC | $460,000 | $755,000 | 64.1% | 0.1% |
| Mortgage America, Inc. | $1,500,000 | $745,000 | -50.3% | 0.1% |
| AMERICAN ADVISORS GROUP | $250,000 | $705,000 | 182.0% | 0.1% |
| ARC HOME LLC | $1,355,000 | $705,000 | -48.0% | 0.1% |
| Prime Choice Funding Inc. | $410,000 | $695,000 | 69.5% | 0.1% |
| First Guaranty Mortgage Corporation | $165,000 | $680,000 | 312.1% | 0.1% |
| The Ephrata National Bank | $380,000 | $655,000 | 72.4% | 0.1% |
| Princeton Mortgage Corporation | $650,000 | n/a | 0.1% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $620,000 | n/a | 0.1% | |
| Kearny Bank | $615,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $420,000 | $615,000 | 46.4% | 0.1% |
| Farmers Bank & Trust | $610,000 | n/a | 0.1% | |
| ABSOLUTE HOME MORTGAGE CORPORATION | $625,000 | $605,000 | -3.2% | 0.1% |
| 1ST PREFERENCE MORTGAGE CORP. | $550,000 | $595,000 | 8.2% | 0.1% |
| MORTGAGE ACCESS CORP. | $890,000 | $590,000 | -33.7% | 0.1% |
| KS StateBank | $565,000 | n/a | 0.1% | |
| SOFI LENDING CORP. | $205,000 | $555,000 | 170.7% | 0.1% |
| Woodsboro Bank | $305,000 | $535,000 | 75.4% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $530,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $520,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $770,000 | $520,000 | -32.5% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $940,000 | $510,000 | -45.7% | 0.1% |
| Sandy Spring Bank | $200,000 | $510,000 | 155.0% | 0.1% |
| GREENTREE MORTGAGE COMPANY, L.P. | $505,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $505,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $255,000 | $500,000 | 96.1% | 0.1% |
| DELMAR FINANCIAL COMPANY | $480,000 | n/a | 0.0% | |
| Community First National Bank | $475,000 | n/a | 0.0% | |
| Colonial Savings, F.A. | $240,000 | $465,000 | 93.8% | 0.0% |
| 1ST FINANCIAL, INC. | $460,000 | n/a | 0.0% | |
| AMERICHOICE | $245,000 | $430,000 | 75.5% | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | $430,000 | n/a | 0.0% | |
| Johns Hopkins Federal Credit Union | $430,000 | n/a | 0.0% | |
| HERSHEY | $385,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $880,000 | $380,000 | -56.8% | 0.0% |
| Atlantic Home Loans, Inc. | $375,000 | n/a | 0.0% | |
| POINT BREEZE | $375,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $410,000 | $370,000 | -9.8% | 0.0% |
| Fidelity Bank | $365,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $335,000 | $365,000 | 9.0% | 0.0% |
| SIWELL, INC. | $165,000 | $365,000 | 121.2% | 0.0% |
| The Bank of Landisburg | $65,000 | $365,000 | 461.5% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $360,000 | n/a | 0.0% | |
| MDE Home Loans, LLC | $355,000 | n/a | 0.0% | |
| Chicago Mortgage Solutions LLC | $340,000 | n/a | 0.0% | |
| Vellum Mortgage, Inc. | $340,000 | n/a | 0.0% | |
| First Horizon Bank | $335,000 | n/a | 0.0% | |
| Ameris Bank | $930,000 | $330,000 | -64.5% | 0.0% |
| Atlantic Coast Mortgage, LLC | $185,000 | $320,000 | 73.0% | 0.0% |
| Victorian Finance, LLC | $320,000 | $320,000 | 0.0% | 0.0% |
| Brighton Bank | $315,000 | n/a | 0.0% | |
| CNB Bank Inc. | $335,000 | $315,000 | -6.0% | 0.0% |
| WesBanco Bank, Inc. | $500,000 | $315,000 | -37.0% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $160,000 | $310,000 | 93.8% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $225,000 | $310,000 | 37.8% | 0.0% |
| STEARNS LENDING, LLC | $725,000 | $310,000 | -57.2% | 0.0% |
| Hometown Lenders, Inc. | $135,000 | $305,000 | 125.9% | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $215,000 | $305,000 | 41.9% | 0.0% |
| Fifth Third Bank | $175,000 | $300,000 | 71.4% | 0.0% |
| NP, Inc. | $380,000 | $300,000 | -21.1% | 0.0% |
| Keystone Funding, Inc. | $295,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $295,000 | n/a | 0.0% | |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $320,000 | $285,000 | -10.9% | 0.0% |
| Capital Bank | $285,000 | $285,000 | 0.0% | 0.0% |
| RESIDENTIAL BANCORP. | $285,000 | n/a | 0.0% | |
| Triumph Bank | $235,000 | $285,000 | 21.3% | 0.0% |
| Univest Bank and Trust Co. | $465,000 | $285,000 | -38.7% | 0.0% |
| Arvest Bank | $280,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $275,000 | n/a | 0.0% | |
| Texana Bank | $275,000 | n/a | 0.0% | |
| AMCAP MORTGAGE, LTD. | $265,000 | n/a | 0.0% | |
| Quaint Oak Mortgage, LLC | $165,000 | $265,000 | 60.6% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $260,000 | n/a | 0.0% | |
| F&M Bank | $255,000 | n/a | 0.0% | |
| THE MORTGAGE LINK, INC. | $360,000 | $255,000 | -29.2% | 0.0% |
| BNC National Bank | $1,010,000 | $245,000 | -75.7% | 0.0% |
| First Mortgage Solutions, LLC | $245,000 | $245,000 | 0.0% | 0.0% |
| Network Funding, L.P. | $245,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $695,000 | $235,000 | -66.2% | 0.0% |
| JLB CORPORATION | $235,000 | n/a | 0.0% | |
| Northwest Bank | $1,775,000 | $235,000 | -86.8% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $225,000 | $235,000 | 4.4% | 0.0% |
| HERITAGE VALLEY | $295,000 | $230,000 | -22.0% | 0.0% |
| AMERICAN HERITAGE FCU | $25,000 | $225,000 | 800.0% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $770,000 | $225,000 | -70.8% | 0.0% |
| Evolve Bank & Trust | $225,000 | n/a | 0.0% | |
| Gateway First Bank | $225,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $275,000 | $225,000 | -18.2% | 0.0% |
| Residential Mortgage Solutions, Inc. | $225,000 | n/a | 0.0% | |
| Citibank | $655,000 | $215,000 | -67.2% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $135,000 | $215,000 | 59.3% | 0.0% |
| NEW FED MORTGAGE, CORP. | $215,000 | n/a | 0.0% | |
| Strong Home Mortgage, LLC | $215,000 | n/a | 0.0% | |
| THRIVE MORTGAGE, LLC | $215,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $235,000 | $210,000 | -10.6% | 0.0% |
| Bank of Bird-in-Hand | $205,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $570,000 | $205,000 | -64.0% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $75,000 | $205,000 | 173.3% | 0.0% |
| RBC Bank, (Georgia) | $205,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $245,000 | $205,000 | -16.3% | 0.0% |
| TOWNE MORTGAGE COMPANY | $340,000 | $205,000 | -39.7% | 0.0% |
| CMG MORTGAGE, INC. | $330,000 | $200,000 | -39.4% | 0.0% |
| CHERRY CREEK MORTGAGE, LLC | $195,000 | $195,000 | 0.0% | 0.0% |
| F&A Federal Credit Union | $195,000 | n/a | 0.0% | |
| FAMILY FIRST FUNDING LLC | $195,000 | n/a | 0.0% | |
| FirstBank | $195,000 | n/a | 0.0% | |
| GREENWAY MORTGAGE FUNDING CORP. | $195,000 | n/a | 0.0% | |
| Lakeland Bank | $195,000 | n/a | 0.0% | |
| Sail Mortgage Corp. | $195,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $185,000 | n/a | 0.0% | |
| The Bennington State Bank | $185,000 | n/a | 0.0% | |
| Discover Bank | $180,000 | n/a | 0.0% | |
| Alcova Mortgage LLC | $520,000 | $175,000 | -66.3% | 0.0% |
| CRESCENT MORTGAGE COMPANY | $175,000 | n/a | 0.0% | |
| First Federal Bank | $145,000 | $175,000 | 20.7% | 0.0% |
| MICHIGAN MUTUAL, INC. | $105,000 | $175,000 | 66.7% | 0.0% |
| Notre Dame Federal Credit Union Corporation | $175,000 | $175,000 | 0.0% | 0.0% |
| Shore United Bank | $175,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $185,000 | $175,000 | -5.4% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $35,000 | $165,000 | 371.4% | 0.0% |
| TD Bank | $575,000 | $165,000 | -71.3% | 0.0% |
| Assurance Financial Group, L.L.C. | $155,000 | n/a | 0.0% | |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | $45,000 | $155,000 | 244.4% | 0.0% |
| First United Corporation | $765,000 | $155,000 | -79.7% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $155,000 | n/a | 0.0% | |
| N R L Federal Credit Union | $145,000 | $155,000 | 6.9% | 0.0% |
| South State Bank | $155,000 | n/a | 0.0% | |
| UTILITIES EMPLOYEES CREDIT UNION | $155,000 | n/a | 0.0% | |
| WHITE ROSE CREDIT UNION | $55,000 | $150,000 | 172.7% | 0.0% |
| Alerus Financial | $145,000 | n/a | 0.0% | |
| Centric Bank | $145,000 | n/a | 0.0% | |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $385,000 | $135,000 | -64.9% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $135,000 | n/a | 0.0% | |
| ALLEGACY FEDERAL CREDIT UNION | $35,000 | $125,000 | 257.1% | 0.0% |
| Riverview Bank | $125,000 | n/a | 0.0% | |
| FINANCE OF AMERICA COMMERCIAL LLC | $135,000 | $115,000 | -14.8% | 0.0% |
| HomePromise Corporation | $115,000 | n/a | 0.0% | |
| BALTIMORE COUNTY EMPLOYEES | $110,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $315,000 | $105,000 | -66.7% | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $410,000 | $105,000 | -74.4% | 0.0% |
| Ballston Spa National Bank | $45,000 | $100,000 | 122.2% | 0.0% |
| GREENWOOD | $100,000 | n/a | 0.0% | |
| TIAA, FSB | $135,000 | $95,000 | -29.6% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $360,000 | $85,000 | -76.4% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $295,000 | $85,000 | -71.2% | 0.0% |
| OPEN MORTGAGE, LLC | $85,000 | n/a | 0.0% | |
| Armed Forces Bank | $75,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $15,000 | $55,000 | 266.7% | 0.0% |
| POLICE & FIRE | $400,000 | $55,000 | -86.3% | 0.0% |
| Signal Financial Federal Credit Union | $45,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $70,000 | $45,000 | -35.7% | 0.0% |
| Centier Bank | $190,000 | $35,000 | -81.6% | 0.0% |
| BayCoast Bank | $25,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $135,000 | $15,000 | -88.9% | 0.0% |
GETTYSBURG's top lender by overall market share is QUICKEN LOANS, LLC, with 8.1% market share. In second place, with 7.1%, is ACNB Bank, having originated $69,705,000 in loans. In third place, with 5.1%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $49,980,000 in loans. In third place, with 4.5%, is MEMBERS 1ST FEDERAL CREDIT UNION, having originated $44,470,000 in loans. In third place, with 4.2%, is PNC Bank, having originated $41,640,000 in loans.
GETTYSBURG, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 1,911 | $381,785,000 | $199,783 |
| Home Purchase | 1,528 | $396,640,000 | $259,581 |
| Cash Out Refi | 748 | $158,300,000 | $211,631 |
| Other | 273 | $24,745,000 | $90,641 |
| Home Improvement | 259 | $21,375,000 | $82,529 |
Gettysburg's most frequently cited loan purpose was Refi, with 1,911 originations. The 2nd most popular reason was Home Purchase, with 1,528 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,724 | $374,390,000 | $217,164 |
| 3-4% | 1,650 | $335,800,000 | $203,515 |
| <2.5% | 859 | $188,065,000 | $218,935 |
| 4-5% | 299 | $58,005,000 | $193,997 |
| 5-6% | 73 | $5,905,000 | $80,890 |
| 6-7% | 40 | $2,650,000 | $66,250 |
| Over 8% | 24 | $1,130,000 | $47,083 |
| 7-8% | 10 | $860,000 | $86,000 |
During 2021, Gettysburg's most frequently originated rate bucket was 2.5-3%, with 1,724 originations.
Loan Sizing (GETTYSBURG, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 1,933 | $294,315,000 | $152,258 |
| $200k-400k | 1,837 | $490,975,000 | $267,270 |
| $100,000 or less | 705 | $39,705,000 | $56,319 |
| $400k-600k | 210 | $98,680,000 | $469,905 |
| $600k-1000k | 22 | $15,410,000 | $700,455 |
| $Over $1MM | 12 | $43,760,000 | $3,646,667 |
GETTYSBURG's loan sizing saw the bucket of loans from $100k-200k with 1,933 originations, totaling $294,315,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,581 | $385,015,000 | $243,526 |
| 60-80% | 1,505 | $359,305,000 | $238,741 |
| 40-60% | 636 | $112,710,000 | $177,217 |
| 20-40% | 439 | $43,245,000 | $98,508 |
| Under 20% | 304 | $12,050,000 | $39,638 |
| Over 100% | 54 | $16,990,000 | $314,630 |
GETTYSBURG's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,581 originations, totaling $385,015,000 in origination value.
