GETTYSBURG Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Gettysburg averaged 7.02% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 6.65% and one month ago for the week of 2025-05-15, the average rate was 6.62%.

Gettysburg's average rate one year ago was 6.76%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.22%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Gettysburg 30 Year Fixed Rate 2025-06-18 7.02%
Gettysburg 30 Year Fixed Rate Refi 2025-06-18 7.22%
Gettysburg 15 Year Fixed Rate 2025-06-18 5.86%
Gettysburg 15 Year Fixed Rate Refi 2025-06-18 6.06%
Gettysburg 30 Year FHA 2025-06-18 0.26%
Gettysburg 30 Year FHA Refi 2025-06-18 0.2%
Gettysburg 30 Year USDA 2025-06-18 0.2%
Gettysburg 30 Year USDA Refi 2025-06-18 -0.1%
Gettysburg 30 Year VA 2025-06-18 0.04%
Gettysburg 30 Year VA Refi 2025-06-18 0%
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 lender, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
CROSSCOUNTRY MORTGAGE, LLC 46 6.90% $6,595
QUICKEN LOANS, LLC 42 6.77% $7,743
CMG MORTGAGE, INC. 39 6.75% $6,739
York Traditions Bank 39 6.64% $5,810
ACNB Bank 36 6.61% $4,194
GUILD MORTGAGE COMPANY 26 6.69% $7,409
MOVEMENT MORTGAGE, LLC 24 6.88% $6,503
MEMBERS 1ST FEDERAL CREDIT UNION 20 6.61% $5,362
PNC Bank 20 6.63% $4,917
Integrity Home Mortgage Corp 20 6.63% $11,269
BAY CAPITAL MORTGAGE CORPORATION 18 6.56% $5,260
DHI MORTGAGE COMPANY, LTD. 17 6.12% $5,332
EAGLE HOME MORTGAGE, LLC 16 6.58% $6,366
Homesale Mortgage, LLC 15 6.92% $4,723
PRIMARY RESIDENTIAL MORTGAGE, INC. 14 7.10% $7,383
UNITED WHOLESALE MORTGAGE, LLC 13 6.69% $7,935
PENNYMAC LOAN SERVICES, LLC 11 6.86% $6,513
PENNSYLVANIA STATE EMPLOYEES Credit Union 10 6.46% $3,225
Fulton Bank 9 6.63% $5,924
FIRST HOME MORTGAGE CORPORATION 9 6.80% $9,336
Towne Bank 8 6.73% $5,542
NAVY FEDERAL CREDIT UNION 7 6.64% $3,922
Farmers and Merchants Trust Company of Chambersburg 7 6.59% $6,052
NEWREZ LLC 7 6.93% $7,250
NFM, INC. 6 6.64% $7,945
DAS Acquisition Company, LLC 6 6.43% $8,098
TIDEWATER MORTGAGE SERVICES, INC. 6 6.60% $8,184
EMBRACE HOME LOANS, INC. 6 7.00% $6,744
Orrstown Bank 6 6.56% $4,458
UNION HOME MORTGAGE CORP. 6 6.89% $6,771
JPMorgan Chase Bank 5 7.00% $4,814
MILLENNIUM FINANCIAL GROUP, INC. 5 6.93% $4,618
Prosperity Home Mortgage, LLC 5 7.33% $6,643
MidAtlantic Farm Credit, ACA 4 6.82% $7,524
GUARANTEED RATE AFFINITY, LLC 4 6.93% $6,222
Wells Fargo Bank 4 6.72% $8,331
The Loan Store, Inc. 4 6.81% $8,136
FIRST ALLIANCE HOME MORTGAGE, LLC 4 7.12% $8,798
M&T Bank 4 6.66% $6,378
Truist 4 6.70% $5,791
THE MORTGAGE LINK, INC. 3 6.62% $20,681
BROKER SOLUTIONS, INC. 3 6.63% $8,382
DIRECT MORTGAGE LOANS, LLC 3 6.38% $6,198
RADIUS FINANCIAL GROUP INC. 3 6.62% $9,302
Shore United Bank 3 6.50% $6,235
USAA Federal Savings Bank 3 6.92% $4,576
PATRIOT 2 6.81% $4,966
First Heritage Mortgage, LLC 2 6.88% $6,244
Meridian Bank Corporation 2 6.88% $4,738
Northwest Federal Credit Union 2 6.69% $5,135
TOWER 2 5.19% $6,854
ROYAL UNITED MORTGAGE LLC 2 6.88% $6,614
First National Bank of Pennsylvania 2 6.81% $5,399
AmeriHome Mortgage Company, LLC 2 6.56% $6,934
Morgan Stanley Private Bank 2 6.38% $5,563
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 2 6.69% $5,035
Presidential Bank, FSB 2 7.81% $9,167
Vellum Mortgage, Inc. 2 6.50% $6,454
Ally Bank 2 6.31% $11,644
EMM LOANS LLC 2 6.49% $10,681
HOMESPIRE MORTGAGE CORPORATION 2 7.00% $5,111
Paramount Residential Mortgage Group, Inc. 2 7.44% $5,481
NATIONS DIRECT MORTGAGE, LLC 1 6.63% $8,899
FIRST COLONY MORTGAGE CORPORATION 1 6.63% $5,074
FIDELITY DIRECT MORTGAGE, LLC 1 6.99% $2,031
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $4,705
NYMEO FEDERAL CREDIT UNION 1 7.00% $2,319
Old National Bank 1 6.00% $6,490
Dollar Bank, Federal Savings Bank 1 6.25% $4,881
Discover Bank 1 7.49% $0
PENTAGON FEDERAL CREDIT UNION 1 6.38% $9,237
PEOPLESBANK, A CODORUS VALLEY COMPANY 1 7.13% $3,811
CORNING 1 6.88% $7,907
Citibank 1 6.25% $10,739
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.38% $4,600
CITADEL FEDERAL CREDIT UNION 1 6.88% $4,847
Century Mortgage Company DBA Century Lending Company 1 6.99% $5,452
WesBanco 1 6.13% $5,002
Raymond James Bank 1 5.75% $5,326
Alcova Mortgage LLC 1 7.25% $5,979
Sierra Pacific Mortgage Company, Inc. 1 6.88% $6,714
SWBC MORTGAGE CORPORATION 1 6.00% $10,011
T2 FINANCIAL LLC 1 6.50% $5,360
TD Bank 1 6.75% $3,081
The Huntington National Bank 1 6.50% $5,929
BELCO COMMUNITY CREDIT UNION 1 7.38% $6,281
21ST MORTGAGE CORPORATION 1 9.47% $7,125
BAY EQUITY LLC 1 6.63% $7,349
Atlantic Coast Mortgage, LLC 1 5.88% $4,983
AMERISAVE MORTGAGE CORPORATION 1 6.88% $11,441
United Bank 1 6.63% $12,413
AMERICAN FEDERAL MORTGAGE CORPORATION 1 6.13% $13,312
ZILLOW HOME LOANS, LLC 1 6.63% $6,629
GUARANTEED RATE, INC. 1 5.99% $10,651
HOWARD HANNA FINANCIAL SERVICES, INC. 1 5.63% $4,799
HOMESTEAD FUNDING CORP. 1 6.63% $3,591
FREEDOM MORTGAGE CORPORATION 1 7.88% $5,715
INTERCOASTAL MORTGAGE COMPANY 1 6.63% $7,860
LENDSURE MORTGAGE CORP. 1 8.38% $19,782
LENOX FINANCIAL MORTGAGE CORPORATION 1 6.50% $3,698
LOANDEPOT.COM, LLC 1 6.50% $3,932
First National Bank of America 1 8.63% $8,528
MICHIGAN MUTUAL, INC. 1 6.88% $5,035
FIRST FINANCIAL OF MARYLAND 1 6.63% $4,882
MLD MORTGAGE INC. 1 6.38% $10,527
Mortgage Research Center, LLC 1 5.99% $7,947
First Federal Bank 1 6.50% $3,723
Mr. Cooper ( Nationstar Mortgage ) 1 6.99% $4,670
FIRST COMMUNITY MORTGAGE, INC. 1 6.63% $6,878
MUTUAL OF OMAHA MORTGAGE, INC. 1 5.88% $5,242
MY MORTGAGE, INC. 1 6.75% $5,914

GETTYSBURG Average Closing Costs & Other Stats

GETTYSBURG, PA's 111 lenders originated 2,347 loans during 2024. The total origination value was $484,595,000, with an average loan value of $206,474.

GETTYSBURG's average closing costs are $6,249.

The top GETTYSBURG lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 46 loans originated. Their average total fees are $6,595, which is $1,148 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee GETTYSBURG lenders (with over 10 loans originated) are PENNSYLVANIA STATE EMPLOYEES Credit Union ($3,225), ACNB Bank ($4,194), Homesale Mortgage, LLC ($4,723), PNC Bank ($4,917) and BAY CAPITAL MORTGAGE CORPORATION ($5,260).

The lowest rate GETTYSBURG lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (6.12%), PENNSYLVANIA STATE EMPLOYEES Credit Union (6.46%), BAY CAPITAL MORTGAGE CORPORATION (6.56%), EAGLE HOME MORTGAGE, LLC (6.58%) and MEMBERS 1ST FEDERAL CREDIT UNION (6.61%).

GETTYSBURG, PA Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
Orrstown Bank $1,205,000 $34,460,000 2,759.8% 7.1%
ACNB Bank $43,575,000 $31,860,000 -26.9% 6.6%
York Traditions Bank $17,465,000 $28,230,000 61.6% 5.8%
QUICKEN LOANS, LLC $21,655,000 $25,730,000 18.8% 5.3%
MEMBERS 1ST FEDERAL CREDIT UNION $24,965,000 $24,790,000 -0.7% 5.1%
CROSSCOUNTRY MORTGAGE, LLC $22,770,000 $21,835,000 -4.1% 4.5%
PNC Bank $17,115,000 $20,405,000 19.2% 4.2%
CMG MORTGAGE, INC. $14,370,000 $18,805,000 30.9% 3.9%
UNITED WHOLESALE MORTGAGE, LLC $6,270,000 $11,550,000 84.2% 2.4%
MOVEMENT MORTGAGE, LLC $12,935,000 $10,190,000 -21.2% 2.1%
Integrity Home Mortgage Corp $7,380,000 $9,475,000 28.4% 2.0%
GUILD MORTGAGE COMPANY $3,980,000 $8,455,000 112.4% 1.7%
M&T Bank $10,980,000 $8,415,000 -23.4% 1.7%
Prudential Huntoon Paige Associates, LLC $7,665,000 n/a 1.6%
Truist $7,320,000 $7,635,000 4.3% 1.6%
BAY CAPITAL MORTGAGE CORPORATION $9,680,000 $7,515,000 -22.4% 1.6%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,140,000 $7,455,000 248.4% 1.5%
Mortgage Research Center, LLC $4,615,000 $7,370,000 59.7% 1.5%
NAVY FEDERAL CREDIT UNION $4,155,000 $7,310,000 75.9% 1.5%
PENNYMAC LOAN SERVICES, LLC $3,005,000 $6,610,000 120.0% 1.4%
BELCO COMMUNITY CREDIT UNION $3,610,000 $6,300,000 74.5% 1.3%
NEWREZ LLC $5,065,000 $5,835,000 15.2% 1.2%
FIRST HOME MORTGAGE CORPORATION $4,815,000 $5,755,000 19.5% 1.2%
DHI MORTGAGE COMPANY, LTD. $9,035,000 $5,705,000 -36.9% 1.2%
PENNSYLVANIA STATE EMPLOYEES Credit Union $4,485,000 $5,475,000 22.1% 1.1%
First National Bank of Pennsylvania $1,215,000 $5,405,000 344.9% 1.1%
EAGLE HOME MORTGAGE, LLC $3,720,000 $4,770,000 28.2% 1.0%
Homesale Mortgage, LLC $2,395,000 $4,445,000 85.6% 0.9%
Fulton Bank $3,845,000 $3,975,000 3.4% 0.8%
MidAtlantic Farm Credit, ACA $1,285,000 $3,720,000 189.5% 0.8%
Community State Bank of Orbisonia $765,000 $3,645,000 376.5% 0.8%
USAA Federal Savings Bank $2,390,000 $3,455,000 44.6% 0.7%
NYMEO FEDERAL CREDIT UNION $1,500,000 $3,445,000 129.7% 0.7%
UNION HOME MORTGAGE CORP. $3,015,000 $3,330,000 10.4% 0.7%
Towne Bank $4,165,000 $3,300,000 -20.8% 0.7%
EMBRACE HOME LOANS, INC. $1,600,000 $3,020,000 88.8% 0.6%
PATRIOT $1,330,000 $2,905,000 118.4% 0.6%
Farmers and Merchants Trust Company of Chambersburg $325,000 $2,820,000 767.7% 0.6%
MUTUAL OF OMAHA MORTGAGE, INC. $560,000 $2,730,000 387.5% 0.6%
FREEDOM MORTGAGE CORPORATION $1,245,000 $2,650,000 112.9% 0.5%
NFM, INC. $3,935,000 $2,340,000 -40.5% 0.5%
Prosperity Home Mortgage, LLC $1,570,000 $2,315,000 47.5% 0.5%
TIDEWATER MORTGAGE SERVICES, INC. $2,205,000 $2,120,000 -3.9% 0.4%
Wells Fargo Bank $2,795,000 $2,115,000 -24.3% 0.4%
DAS Acquisition Company, LLC $295,000 $2,050,000 594.9% 0.4%
RADIUS FINANCIAL GROUP INC. $620,000 $2,050,000 230.6% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $1,250,000 $2,030,000 62.4% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,070,000 $1,900,000 -8.2% 0.4%
The Loan Store, Inc. $1,640,000 n/a 0.3%
MILLENNIUM FINANCIAL GROUP, INC. $465,000 $1,625,000 249.5% 0.3%
BROKER SOLUTIONS, INC. $740,000 $1,615,000 118.2% 0.3%
THE MORTGAGE LINK, INC. $440,000 $1,595,000 262.5% 0.3%
Northwest Federal Credit Union $145,000 $1,555,000 972.4% 0.3%
Meridian Bank Corporation $165,000 $1,545,000 836.4% 0.3%
TOWER $1,140,000 $1,525,000 33.8% 0.3%
EMM LOANS LLC $1,635,000 $1,480,000 -9.5% 0.3%
Citizens Bank $3,845,000 $1,465,000 -61.9% 0.3%
VILLAGE CAPITAL MORTGAGE $1,445,000 n/a 0.3%
Ally Bank $1,345,000 n/a 0.3%
PEOPLESBANK, A CODORUS VALLEY COMPANY $9,565,000 $1,345,000 -85.9% 0.3%
GUARANTEED RATE AFFINITY, LLC $1,165,000 $1,295,000 11.2% 0.3%
Flagstar Bank, FSB $1,550,000 $1,265,000 -18.4% 0.3%
FIRST ALLIANCE HOME MORTGAGE, LLC $1,415,000 $1,260,000 -11.0% 0.3%
Presidential Bank, FSB $1,170,000 $1,230,000 5.1% 0.3%
PLANET HOME LENDING, LLC $55,000 $1,210,000 2,100.0% 0.2%
Carrington Mortgage Services, LLC $1,455,000 $1,205,000 -17.2% 0.2%
LOANDEPOT.COM, LLC $3,320,000 $1,175,000 -64.6% 0.2%
Farmers and Merchants Bank Of Fowblesburg, Maryland $745,000 $1,170,000 57.0% 0.2%
PENTAGON FEDERAL CREDIT UNION $1,730,000 $1,150,000 -33.5% 0.2%
Discover Bank $1,005,000 $1,125,000 11.9% 0.2%
JPMorgan Chase Bank $330,000 $1,095,000 231.8% 0.2%
LENDINGHOME FUNDING CORPORATION $860,000 $1,045,000 21.5% 0.2%
Morgan Stanley Private Bank $1,000,000 n/a 0.2%
LAKEVIEW LOAN SERVICING, LLC $960,000 n/a 0.2%
AmeriHome Mortgage Company, LLC $725,000 $945,000 30.3% 0.2%
First Heritage Mortgage, LLC $655,000 $945,000 44.3% 0.2%
DIRECT MORTGAGE LOANS, LLC $400,000 $860,000 115.0% 0.2%
NEW DAY FINANCIAL, LLC $1,000,000 $855,000 -14.5% 0.2%
Figure Lending LLC $235,000 $810,000 244.7% 0.2%
BAY EQUITY LLC $225,000 $770,000 242.2% 0.2%
Century Mortgage Company DBA Century Lending Company $740,000 n/a 0.2%
Dollar Bank, Federal Savings Bank $730,000 n/a 0.2%
HOMESIDE FINANCIAL, LLC $710,000 n/a 0.1%
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED $175,000 $685,000 291.4% 0.1%
CNB Bank Inc. $660,000 n/a 0.1%
INTERCOASTAL MORTGAGE COMPANY $660,000 n/a 0.1%
Raymond James Bank $285,000 $635,000 122.8% 0.1%
GUARANTEED RATE, INC. $310,000 $630,000 103.2% 0.1%
NATIONS DIRECT MORTGAGE, LLC $690,000 $630,000 -8.7% 0.1%
21ST MORTGAGE CORPORATION $895,000 $610,000 -31.8% 0.1%
AMERISAVE MORTGAGE CORPORATION $135,000 $585,000 333.3% 0.1%
Shore United Bank $825,000 $585,000 -29.1% 0.1%
The Huntington National Bank $55,000 $580,000 954.5% 0.1%
ENVOY MORTGAGE, LTD $575,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $520,000 $560,000 7.7% 0.1%
MICHIGAN MUTUAL, INC. $560,000 n/a 0.1%
Bank of America $1,890,000 $555,000 -70.6% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $390,000 $550,000 41.0% 0.1%
Citibank $545,000 n/a 0.1%
Coastal Community Bank $220,000 $545,000 147.7% 0.1%
U.S. Bank $1,330,000 $535,000 -59.8% 0.1%
Encompass Lending Group, LP $520,000 n/a 0.1%
HOMESPIRE MORTGAGE CORPORATION $865,000 $520,000 -39.9% 0.1%
The Federal Savings Bank $225,000 $520,000 131.1% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $500,000 n/a 0.1%
Ameris Bank $475,000 n/a 0.1%
CORNING $105,000 $465,000 342.9% 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $465,000 n/a 0.1%
T2 FINANCIAL LLC $430,000 $440,000 2.3% 0.1%
AMERICAN FEDERAL MORTGAGE CORPORATION $425,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,240,000 $420,000 -81.3% 0.1%
ALLIED MORTGAGE GROUP, INC. $410,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $435,000 $405,000 -6.9% 0.1%
TRIAD FINANCIAL SERVICES, INC. $305,000 $400,000 31.1% 0.1%
Vellum Mortgage, Inc. $400,000 n/a 0.1%
Old National Bank $395,000 n/a 0.1%
United Bank $385,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $155,000 $370,000 138.7% 0.1%
EVERETT FINANCIAL, INC. $225,000 $365,000 62.2% 0.1%
HOWARD HANNA FINANCIAL SERVICES, INC. $1,240,000 $365,000 -70.6% 0.1%
OCMBC, INC. $315,000 $365,000 15.9% 0.1%
Third Federal Savings and Loan Association of Cleveland $590,000 $355,000 -39.8% 0.1%
1ST ED CREDIT UNION $635,000 $350,000 -44.9% 0.1%
SOUTHERN TRUST MORTGAGE, LLC $225,000 $345,000 53.3% 0.1%
The Gratz Bank $105,000 $345,000 228.6% 0.1%
CITADEL FEDERAL CREDIT UNION $335,000 n/a 0.1%
LENDSURE MORTGAGE CORP. $335,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $315,000 n/a 0.1%
FIDELITY DIRECT MORTGAGE, LLC $275,000 $305,000 10.9% 0.1%
FIRST FINANCIAL OF MARYLAND $760,000 $300,000 -60.5% 0.1%
AMWEST FUNDING CORP. $295,000 n/a 0.1%
First Western Trust Bank $295,000 n/a 0.1%
WesBanco $1,525,000 $295,000 -80.7% 0.1%
Univest Bank and Trust Co. $1,665,000 $285,000 -82.9% 0.1%
AMERICAN FINANCING CORPORATION $245,000 $275,000 12.2% 0.1%
CARDINAL FINANCIAL $275,000 $275,000 0.0% 0.1%
VAN DYK MORTGAGE CORPORATION $185,000 $275,000 48.6% 0.1%
Pennian Bank $945,000 $260,000 -72.5% 0.1%
TD Bank $315,000 $260,000 -17.5% 0.1%
MEMBER FIRST MORTGAGE, LLC $185,000 $245,000 32.4% 0.1%
MLD MORTGAGE INC. $245,000 n/a 0.1%
Northwest Bank $920,000 $245,000 -73.4% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $245,000 n/a 0.1%
MY MORTGAGE, INC. $235,000 n/a 0.0%
Peoples Bank $235,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $235,000 n/a 0.0%
FIRST COLONY MORTGAGE CORPORATION $215,000 n/a 0.0%
LADERA LENDING, INC. $215,000 n/a 0.0%
N R L Federal Credit Union $215,000 n/a 0.0%
Alcova Mortgage LLC $420,000 $205,000 -51.2% 0.0%
CLEARPATH LENDING $205,000 n/a 0.0%
Fifth Third Bank $205,000 n/a 0.0%
LEBANON $205,000 n/a 0.0%
SWBC MORTGAGE CORPORATION $1,015,000 $205,000 -79.8% 0.0%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $235,000 $195,000 -17.0% 0.0%
RUOFF MORTGAGE COMPANY, INC. $195,000 n/a 0.0%
SPRING EQ, LLC $110,000 $190,000 72.7% 0.0%
FOUNDATION MORTGAGE CORPORATION $185,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $335,000 $185,000 -44.8% 0.0%
Equity Prime Mortgage LLC $700,000 $175,000 -75.0% 0.0%
TOP FLITE FINANCIAL, INC. $175,000 n/a 0.0%
Atlantic Coast Mortgage, LLC $165,000 n/a 0.0%
Bank of Bird-in-Hand $165,000 n/a 0.0%
First Federal Bank $155,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $155,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $150,000 n/a 0.0%
First National Bank of America $145,000 n/a 0.0%
POLARIS HOME FUNDING CORP. $145,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $110,000 $140,000 27.3% 0.0%
HOMESTEAD FUNDING CORP. $215,000 $125,000 -41.9% 0.0%
NVR Mortgage Finance, Inc. $125,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $125,000 n/a 0.0%
Centier Bank $120,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $165,000 $115,000 -30.3% 0.0%
The Ephrata National Bank $690,000 $115,000 -83.3% 0.0%
Ballston Spa National Bank $100,000 n/a 0.0%
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION $190,000 $95,000 -50.0% 0.0%
AMERICHOICE $100,000 $95,000 -5.0% 0.0%
S&T Bank $580,000 $95,000 -83.6% 0.0%
USAlliance Federal Credit Union $95,000 n/a 0.0%
Leader Bank $85,000 n/a 0.0%
Wilmington Savings Fund Society, FSB $85,000 n/a 0.0%
ATLANTA POSTAL $75,000 n/a 0.0%
OAKTREE FUNDING CORP. $75,000 n/a 0.0%
The Canandaigua National Bank and Trust Company $65,000 n/a 0.0%
EDUCATIONAL SYSTEMS $55,000 n/a 0.0%
FEDCHOICE Federal Credit Union $55,000 n/a 0.0%
NEXTIER BANK, NATIONAL ASSOCIATION $55,000 n/a 0.0%
POINT BREEZE $345,000 $55,000 -84.1% 0.0%
LIBRARY OF CONGRESS $35,000 n/a 0.0%
Sandy Spring Bank $255,000 $35,000 -86.3% 0.0%
SkyPoint Federal Credit Union $55,000 $35,000 -36.4% 0.0%
Mid Penn Bank $505,000 $25,000 -95.0% 0.0%
THRIVENT Federal Credit Union $25,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%

GETTYSBURG's top lender by overall market share is Orrstown Bank, with 7.1% market share. In second place, with 6.6%, is ACNB Bank, having originated $31,860,000 in loans. In third place, with 5.8%, is York Traditions Bank, having originated $28,230,000 in loans. In fourth place, with 5.3%, is QUICKEN LOANS, LLC, having originated $25,730,000 in loans. In fifth place, with 5.1%, is MEMBERS 1ST FEDERAL CREDIT UNION, having originated $24,790,000 in loans.

GETTYSBURG, PA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,040 $328,180,000 $315,558
Home Improvement 397 $29,345,000 $73,917
Refi 363 $59,885,000 $164,972
Other 357 $27,915,000 $78,193
Cash Out Refi 190 $39,270,000 $206,684

Gettysburg's most frequently cited loan purpose was Home Purchase, with 1,040 originations. The 2nd most popular reason was Home Improvement, with 397 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 814 $206,030,000 $253,108
Over 8% 609 $89,015,000 $146,166
7-8% 404 $96,420,000 $238,663
5-6% 255 $68,125,000 $267,157
<2.5% 199 $15,715,000 $78,970
4-5% 31 $5,675,000 $183,065
3-4% 7 $515,000 $73,571

During 2024, Gettysburg's most frequently originated rate bucket was 6-7%, with 814 originations.

Loan Sizing (GETTYSBURG, PA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 799 $224,395,000 $280,845
$100,000 or less 792 $40,480,000 $51,111
$100k-200k 573 $83,205,000 $145,209
$400k-600k 141 $65,485,000 $464,433
$600k-1000k 36 $25,460,000 $707,222
$Over $1MM 6 $45,570,000 $7,595,000

GETTYSBURG's loan sizing saw the bucket of loans from $200k-400k with 799 originations, totaling $224,395,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 699 $210,695,000 $301,423
Under 20% 552 $25,430,000 $46,069
20-40% 465 $49,275,000 $105,968
60-80% 357 $102,835,000 $288,053
40-60% 217 $79,125,000 $364,631
Over 100% 19 $7,785,000 $409,737

GETTYSBURG's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 699 originations, totaling $210,695,000 in origination value.