GETTYSBURG Mortgage Rates

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

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%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within GETTYSBURG, PA.

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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 158 3.05% $5,590
ACNB Bank 100 2.94% $3,731
CROSSCOUNTRY MORTGAGE, LLC 83 3.18% $4,569
MCLEAN MORTGAGE CORPORATION 62 3.10% $4,814
York Traditions Bank 60 3.15% $4,214
Wells Fargo Bank 54 3.10% $4,053
PNC Bank 52 3.05% $4,790
BAY CAPITAL MORTGAGE CORPORATION 43 2.97% $4,409
MEMBERS 1ST FEDERAL CREDIT UNION 43 3.20% $4,646
RESIDENTIAL MORTGAGE SERVICES, INC. 36 3.21% $5,064
LOANDEPOT.COM, LLC 34 3.07% $5,871
Integrity Home Mortgage Corp 28 3.08% $8,043
Manufacturers and Traders Trust Company 27 3.23% $6,642
Fulton Bank 24 3.23% $3,877
AMERISAVE MORTGAGE CORPORATION 23 2.92% $5,500
UNITED WHOLESALE MORTGAGE, LLC 20 3.02% $6,059
HOMEBRIDGE FINANCIAL SERVICES, INC. 19 3.26% $5,585
NFM, INC. 19 3.25% $4,518
Northpointe Bank 18 3.24% $4,777
Truist Bank 17 3.12% $3,889
MOVEMENT MORTGAGE, LLC 17 3.02% $4,740
PENNYMAC LOAN SERVICES, LLC 17 3.06% $5,783
CALIBER HOME LOANS, INC. 16 3.03% $5,330
Towne Bank 16 2.97% $4,913
Homesale Mortgage, LLC 14 3.17% $4,025
PRIMELENDING, A PLAINSCAPITAL COMPANY 13 3.25% $4,811
Mr. Cooper ( Nationstar Mortgage ) 12 3.23% $6,139
NEWREZ LLC 12 3.19% $5,285
GUARANTEED RATE, INC. 12 2.96% $3,913
JPMorgan Chase Bank 12 3.19% $4,211
FIRST HOME MORTGAGE CORPORATION 11 3.23% $6,451
UNION HOME MORTGAGE CORP. 11 3.07% $4,318
Presidential Bank, FSB 11 3.30% $4,638
HOME POINT FINANCIAL CORPORATION 11 3.10% $4,713
PEOPLESBANK, A CODORUS VALLEY COMPANY 10 3.18% $4,111
BETTER MORTGAGE CORPORATION 10 2.76% $4,771
Bank of America 10 2.91% $4,514
EMBRACE HOME LOANS, INC. 10 3.28% $4,938
Citizens Bank 10 2.91% $6,460
EAGLE HOME MORTGAGE, LLC 10 3.43% $4,665
Prosperity Home Mortgage, LLC 9 3.13% $4,297
PENNSYLVANIA STATE EMPLOYEES Credit Union 9 3.15% $2,766
Farmers and Merchants Trust Company of Chambersburg 9 2.69% $3,572
George Mason Mortgage, LLC 9 3.01% $5,327
Meridian Bank Corporation 8 3.00% $4,453
T2 FINANCIAL LLC 8 3.27% $6,306
BROKER SOLUTIONS, INC. 8 3.19% $6,140
NAVY FEDERAL CREDIT UNION 8 3.42% $5,149
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 3.11% $4,486
SWBC MORTGAGE CORPORATION 7 3.07% $3,971
Mortgage Network, Inc. 7 3.36% $5,422
GUILD MORTGAGE COMPANY 7 3.16% $5,302
TIDEWATER MORTGAGE SERVICES, INC. 7 3.04% $4,617
DIRECT MORTGAGE LOANS, LLC 6 3.25% $6,468
FIRST ALLIANCE HOME MORTGAGE, LLC 6 3.19% $5,061
PATRIOT 6 3.02% $4,175
First National Bank of Pennsylvania 6 3.00% $6,462
BELCO COMMUNITY CREDIT UNION 6 3.15% $4,986
Northwest Bank 6 3.06% $8,046
Nations Lending Corporation 5 3.05% $6,440
Paramount Residential Mortgage Group, Inc. 5 3.72% $4,889
MILLENNIUM FINANCIAL GROUP, INC. 5 3.60% $4,540
Santander Bank, N.A. 5 3.25% $3,846
AMERICAN FINANCING CORPORATION 5 3.00% $5,348
FREEDOM MORTGAGE CORPORATION 5 3.20% $3,566
Sierra Pacific Mortgage Company, Inc. 4 2.97% $5,879
SOUTHERN TRUST MORTGAGE, LLC 4 3.06% $6,754
Carrington Mortgage Services, LLC 4 3.41% $5,071
INTERCOASTAL MORTGAGE COMPANY 4 3.09% $3,874
Flagstar Bank, FSB 4 3.21% $3,251
EMM LOANS LLC 4 3.09% $8,223
HOMESTEAD FUNDING CORP. 4 3.38% $4,210
NETWORK CAPITAL FUNDING CORPORATION 4 2.97% $4,837
HOMESIDE FINANCIAL, LLC 4 2.91% $3,560
AgChoice Farm Credit ACA 4 3.44% $7,338
KELLER MORTGAGE, LLC 4 3.22% $3,379
First Heritage Mortgage, LLC 4 3.13% $3,909
ZILLOW HOME LOANS, LLC 3 3.13% $5,102
AmeriHome Mortgage Company, LLC 3 3.16% $4,257
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3 3.21% $4,720
CBM Mortgage, Inc. 3 3.54% $6,794
EQUITY RESOURCES, INC. 3 2.92% $4,269
FIRST FINANCIAL OF MARYLAND 3 3.17% $3,496
First Savings Bank 3 3.08% $9,631
Florida Capital Bank 3 3.17% $5,966
Foote Capital Mortgage Company 3 2.96% $4,691
InterContinental Capital Group, Inc 3 3.54% $5,734
MILEND, INC. 3 3.46% $9,914
Mortgage America, Inc. 3 3.29% $3,726
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.08% $4,712
Orrstown Bank 3 3.38% $4,872
Plains Commerce Bank 3 3.29% $3,412
ROYAL UNITED MORTGAGE LLC 3 3.13% $8,206
TJC Mortgage, Inc. 3 3.38% $6,816
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 5.13% $7,098
DELMAR FINANCIAL COMPANY 2 3.25% $9,279
EagleBank 2 3.25% $5,104
Atlantic Coast Mortgage, LLC 2 2.94% $3,805
The Ephrata National Bank 2 3.69% $4,705
The Federal Savings Bank 2 3.38% $6,536
RELIANCE FIRST CAPITAL, LLC 2 3.12% $11,962
PHH Mortgage Corporation 2 2.75% $5,934
1ST PREFERENCE MORTGAGE CORP. 2 3.19% $6,595
AMERICAN FINANCIAL NETWORK, INC. 2 3.38% $13,028
CREDIT UNION MORTGAGE ASSOCIATION, INC. 2 2.75% $5,322
TOP FLITE FINANCIAL, INC. 2 3.31% $10,232
Mid Penn Bank 2 2.88% $12,739
SEVERN SAVINGS BANK, FSB DBA SEVERN BANK 2 2.88% $4,600
Victorian Finance, LLC 2 2.94% $5,164
POINT BREEZE 2 2.88% $2,416
Mortgage Research Center, LLC 2 2.87% $2,226
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.12% $5,781
Ally Bank 2 3.19% $3,773
ACADEMY MORTGAGE CORPORATION 2 3.13% $3,623
U.S. Bank 2 3.12% $4,908
HOMESPIRE MORTGAGE CORPORATION 2 3.00% $4,459
GUARANTEED RATE AFFINITY, LLC 2 3.19% $3,833
SOVEREIGN LENDING GROUP INCORPORATED 2 3.12% $7,017
Prime Choice Funding Inc. 2 2.63% $6,240
S&T Bank 2 3.06% $4,027
LAKEVIEW LOAN SERVICING, LLC 2 3.99% $3,818
Vellum Mortgage, Inc. 2 3.06% $4,027
Princeton Mortgage Corporation 2 3.00% $12,094
PENTAGON FEDERAL CREDIT UNION 1 2.88% $3,179
Capital Bank 1 2.75% $4,513
Wyndham Capital Mortgage, Inc. 1 3.00% $3,649
PLAZA HOME MORTGAGE, INC. 1 3.00% $5,426
BNC National Bank 1 2.63% $2,903
BAYSHORE MORTGAGE FUNDING, LLC 1 3.38% $6,675
Bank of England 1 3.13% $5,506
Atlantic Home Loans, Inc. 1 2.63% $4,685
Quaint Oak Mortgage, LLC 1 2.75% $5,043
Assurance Financial Group, L.L.C. 1 2.88% $2,798
Sail Mortgage Corp. 1 3.13% $3,983
Arvest Bank 1 3.25% $2,811
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.88% $3,184
SOFI LENDING CORP. 1 3.25% $4,545
APEX HOME LOANS, INC. 1 2.75% $4,672
South State Bank 1 3.25% $3,879
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 1 3.88% $6,265
Strong Home Mortgage, LLC 1 3.13% $3,623
SUCCESS MORTGAGE PARTNERS, INC. 1 3.63% $8,205
Ameris Bank 1 3.38% $4,675
TD Bank 1 2.88% $3,589
Texana Bank 1 2.88% $13,738
THE MORTGAGE LINK, INC. 1 3.00% $4,430
THRIVE MORTGAGE, LLC 1 2.88% $4,493
TIAA, FSB 1 2.75% $3,600
1ST FINANCIAL, INC. 1 3.25% $8,023
TOTAL MORTGAGE SERVICES, LLC 1 3.38% $4,639
TOWER 1 2.88% $3,932
AMERICAN FEDERAL MORTGAGE CORPORATION 1 2.88% $3,174
TOWNE MORTGAGE COMPANY 1 3.49% $6,193
Triumph Bank 1 2.88% $4,270
AMCAP MORTGAGE, LTD. 1 2.63% $5,141
Hometown Lenders, Inc. 1 3.50% $8,100
HOWARD HANNA FINANCIAL SERVICES, INC. 1 2.75% $4,049
GREENWAY MORTGAGE FUNDING CORP. 1 2.88% $4,178
GREENTREE MORTGAGE COMPANY, L.P. 1 2.88% $5,595
Goldwater Bank, N.A. 1 2.75% $3,672
JLB CORPORATION 1 2.63% $5,393
Gateway First Bank 1 3.25% $3,877
Lakeland Bank 1 2.75% $3,588
First Home Bank 1 3.25% $4,982
LOANPAL, LLC 1 2.99% $5,703
First Guaranty Mortgage Corporation 1 3.13% $2,713
First Federal Bank 1 3.13% $3,733
FirstBank 1 2.88% $2,093
Fidelity Bank 1 3.13% $4,796
F&A Federal Credit Union 1 2.88% $1,488
ABSOLUTE HOME MORTGAGE CORPORATION 1 3.50% $8,724
Evolve Bank & Trust 1 3.13% $3,651
ENVOY MORTGAGE, LTD 1 3.25% $4,250
WesBanco Bank, Inc. 1 3.50% $4,601
Discover Bank 1 3.99% $0
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.00% $4,631
DEVELOPER'S MORTGAGE COMPANY 1 3.50% $3,925
NEW FED MORTGAGE, CORP. 1 3.25% $2,678
Colonial Savings, F.A. 1 3.50% $4,164
North American Savings Bank, F.S.B. 1 6.25% $12,184
CNB Bank Inc. 1 3.00% $4,077
CMG MORTGAGE, INC. 1 3.25% $4,320
Notre Dame Federal Credit Union Corporation 1 2.88% $2,855
NYMEO FEDERAL CREDIT UNION 1 2.88% $2,988
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 3.25% $5,340
Citibank 1 3.13% $3,630
CHURCHILL MORTGAGE CORPORATION 1 3.25% $3,272
Chicago Mortgage Solutions LLC 1 2.99% $2,068
CHERRY CREEK MORTGAGE, LLC 1 2.62% $123

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.