Huntingdon Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Huntingdon averaged 7.14% for the week of 2023-09-14, compared to the national average of 7.18% for the same period.

The average rate for the prior week (2023-09-07) was 6.88% and one month ago for the week of 2023-08-10, the average rate was 6.62%.

Huntingdon's average rate one year ago was 5.65%.

For refis of the same type during the week of 2023-09-14, the average rate was 7.18%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-14 7.18%
Huntingdon 30 Year Fixed Rate 2023-09-14 7.14%
Huntingdon 30 Year Fixed Rate Refi 2023-09-14 7.18%
Huntingdon 15 Year Fixed Rate 2023-09-14 6.31%
Huntingdon 15 Year Fixed Rate Refi 2023-09-14 6.51%
Huntingdon 30 Year FHA 2023-09-14 6.79%
Huntingdon 30 Year FHA Refi 2023-09-14 7.19%
Huntingdon 30 Year USDA 2023-09-14 7.18%
Huntingdon 30 Year USDA Refi 2023-09-14 7.08%
Huntingdon 30 Year VA 2023-09-14 6.71%
Huntingdon 30 Year VA Refi 2023-09-14 6.61%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Huntingdon, PA.

Huntingdon 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 Huntingdon, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Kish Bank 39 4.79% $4,051
QUICKEN LOANS, LLC 25 5.38% $6,777
Flagstar Bank, FSB 11 5.12% $4,087
PENNSYLVANIA STATE EMPLOYEES Credit Union 10 4.36% $2,838
First National Bank of Pennsylvania 8 4.31% $4,140
UNITED WHOLESALE MORTGAGE, LLC 7 4.72% $4,672
Community State Bank of Orbisonia 6 4.95% $3,272
Farmers and Merchants Trust Company of Chambersburg 6 5.17% $3,160
Citizens Bank 5 4.55% $3,845
Northwest Bank 5 4.33% $4,614
EQUITY RESOURCES, INC. 5 4.93% $4,118
Reliance Savings Bank 4 5.22% $4,628
PENNYMAC LOAN SERVICES, LLC 3 4.29% $5,811
CORNING 3 4.42% $5,029
MOVEMENT MORTGAGE, LLC 3 5.17% $5,037
M&T Bank 3 5.25% $4,799
NAVY FEDERAL CREDIT UNION 3 5.75% $2,333
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 5.13% $3,203
FIRST HERITAGE FINANCIAL, LLC 2 5.81% $4,918
ARC HOME LLC 2 4.81% $5,339
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 5.94% $3,963
Homesale Mortgage, LLC 2 5.44% $4,860
Jersey Shore State Bank 2 4.25% $4,709
MCLEAN MORTGAGE CORPORATION 2 4.31% $5,590
Plains Commerce Bank 2 6.75% $5,561
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 4.13% $6,050
Wells Fargo Bank 2 5.44% $4,754
York Traditions Bank 2 6.13% $4,327
MidAtlantic Farm Credit, ACA 1 4.53% $5,991
Mortgage America, Inc. 1 4.25% $3,893
JPMorgan Chase Bank 1 5.49% $7,655
HOMESPIRE MORTGAGE CORPORATION 1 3.63% $5,161
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.25% $3,821
Nations Lending Corporation 1 3.88% $4,376
GUARANTEED RATE, INC. 1 3.99% $4,680
Fulton Bank 1 5.00% $4,494
NORWICH COMMERCIAL GROUP, INC. 1 5.88% $5,879
AMERISAVE MORTGAGE CORPORATION 1 3.88% $2,707
CROSSCOUNTRY MORTGAGE, LLC 1 5.50% $3,429
PEOPLESBANK, A CODORUS VALLEY COMPANY 1 5.50% $4,015
TOWNE MORTGAGE COMPANY 1 4.25% $5,256
AmeriServ Financial Bank 1 5.00% $5,568
CMG MORTGAGE, INC. 1 5.25% $8,382
Bank of America 1 3.88% $3,745
ROYAL UNITED MORTGAGE LLC 1 6.13% $6,891
Stifel Bank and Trust 1 3.00% $4,026
The Ephrata National Bank 1 5.00% $3,755
LAKEVIEW LOAN SERVICING, LLC 1 4.50% $4,012
LENDING CAPITAL GROUP Inc 1 5.88% $6,101
LOANDEPOT.COM, LLC 1 4.99% $4,338
Third Federal Savings and Loan Association of Cleveland 1 5.44% $0
MEMBERS 1ST FEDERAL CREDIT UNION 1 5.13% $4,404

Huntingdon Average Closing Costs & Other Stats

Huntingdon, PA's 52 lenders originated 960 loans during 2022. The total origination value was $136,070,000, with an average loan value of $141,740.

Huntingdon's average closing costs are $4,759.

The top Huntingdon lender as defined by loan originations is Kish Bank, with 39 loans originated. Their average total fees are $4,051, which is $2,726 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Huntingdon lenders (with over 10 loans originated) are PENNSYLVANIA STATE EMPLOYEES Credit Union ($2,838), Kish Bank ($4,051), Flagstar Bank, FSB ($4,087), QUICKEN LOANS, LLC ($6,777) and .

The lowest rate Huntingdon lenders (with over 10 loans originated) are PENNSYLVANIA STATE EMPLOYEES Credit Union (4.36%), Kish Bank (4.79%), Flagstar Bank, FSB (5.12%), QUICKEN LOANS, LLC (5.38%) and .

Huntingdon, PA Mortgage Market Share & Volume

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

Name 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Community State Bank of Orbisonia $27,000,000 $20,665,000 -23.5% 15.2%
Kish Bank $24,800,000 $19,545,000 -21.2% 14.4%
First National Bank of Pennsylvania $10,140,000 $9,775,000 -3.6% 7.2%
M&T Realty Capital Corporation $9,125,000 n/a 6.7%
QUICKEN LOANS, LLC $14,775,000 $8,255,000 -44.1% 6.1%
Jersey Shore State Bank $15,315,000 $6,870,000 -55.1% 5.0%
PENNSYLVANIA STATE EMPLOYEES Credit Union $6,810,000 $5,605,000 -17.7% 4.1%
Flagstar Bank, FSB $1,980,000 $4,160,000 110.1% 3.1%
Reliance Savings Bank $4,375,000 $3,095,000 -29.3% 2.3%
Farmers and Merchants Trust Company of Chambersburg $4,945,000 $2,955,000 -40.2% 2.2%
Citizens Bank $3,065,000 $1,995,000 -34.9% 1.5%
UNITED WHOLESALE MORTGAGE, LLC $3,265,000 $1,895,000 -42.0% 1.4%
First Commonwealth Bank $1,160,000 $1,870,000 61.2% 1.4%
Northwest Bank $3,610,000 $1,815,000 -49.7% 1.3%
PNC Bank $2,040,000 $1,555,000 -23.8% 1.1%
Fulton Bank $690,000 $1,355,000 96.4% 1.0%
M&T Bank $1,775,000 $1,085,000 -38.9% 0.8%
The Juniata Valley Bank $1,250,000 $1,075,000 -14.0% 0.8%
Wells Fargo Bank $2,315,000 $1,070,000 -53.8% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,620,000 $1,060,000 -34.6% 0.8%
MCLEAN MORTGAGE CORPORATION $995,000 $1,050,000 5.5% 0.8%
Mortgage Research Center, LLC $2,175,000 $980,000 -54.9% 0.7%
CROSSCOUNTRY MORTGAGE, LLC $390,000 $925,000 137.2% 0.7%
PENNYMAC LOAN SERVICES, LLC $1,740,000 $925,000 -46.8% 0.7%
UNION HOME MORTGAGE CORP. $435,000 $925,000 112.6% 0.7%
EQUITY RESOURCES, INC. $645,000 $875,000 35.7% 0.6%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,335,000 $875,000 -34.5% 0.6%
ARC HOME LLC $6,830,000 $825,000 -87.9% 0.6%
GUARANTEED RATE, INC. $185,000 $805,000 335.1% 0.6%
AmeriServ Financial Bank $455,000 $765,000 68.1% 0.6%
USAA Federal Savings Bank $175,000 $760,000 334.3% 0.6%
Mid Penn Bank $215,000 $745,000 246.5% 0.5%
MidAtlantic Farm Credit, ACA $650,000 n/a 0.5%
MOVEMENT MORTGAGE, LLC $550,000 $640,000 16.4% 0.5%
NAVY FEDERAL CREDIT UNION $905,000 $620,000 -31.5% 0.5%
FREEDOM MORTGAGE CORPORATION $3,545,000 $615,000 -82.7% 0.5%
MEMBERS 1ST FEDERAL CREDIT UNION $835,000 $610,000 -26.9% 0.4%
CORNING $85,000 $545,000 541.2% 0.4%
The Ephrata National Bank $640,000 $545,000 -14.8% 0.4%
S&T Bank $510,000 $530,000 3.9% 0.4%
HOME POINT FINANCIAL CORPORATION $710,000 $515,000 -27.5% 0.4%
U.S. Bank $45,000 $475,000 955.6% 0.3%
NEW DAY FINANCIAL, LLC $630,000 $460,000 -27.0% 0.3%
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania $455,000 n/a 0.3%
Homesale Mortgage, LLC $360,000 $410,000 13.9% 0.3%
JPMorgan Chase Bank $95,000 $405,000 326.3% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $270,000 $400,000 48.1% 0.3%
Altoona First Savings Bank $395,000 n/a 0.3%
AMERISAVE MORTGAGE CORPORATION $1,340,000 $395,000 -70.5% 0.3%
HOMESPIRE MORTGAGE CORPORATION $420,000 $390,000 -7.1% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $810,000 $385,000 -52.5% 0.3%
Plains Commerce Bank $385,000 n/a 0.3%
Stifel Bank and Trust $385,000 n/a 0.3%
Bank of America $125,000 $365,000 192.0% 0.3%
First Citizens Community Bank $365,000 n/a 0.3%
Orrstown Bank $880,000 $360,000 -59.1% 0.3%
CMG MORTGAGE, INC. $345,000 n/a 0.3%
UTILITIES EMPLOYEES CREDIT UNION $345,000 n/a 0.3%
PLAZA HOME MORTGAGE, INC. $165,000 $340,000 106.1% 0.2%
York Traditions Bank $555,000 $330,000 -40.5% 0.2%
ALLIED MORTGAGE GROUP, INC. $315,000 n/a 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $695,000 $315,000 -54.7% 0.2%
ROYAL UNITED MORTGAGE LLC $410,000 $315,000 -23.2% 0.2%
GUILD MORTGAGE COMPANY $85,000 $305,000 258.8% 0.2%
FIRST HERITAGE FINANCIAL, LLC $290,000 n/a 0.2%
LAKEVIEW LOAN SERVICING, LLC $260,000 $290,000 11.5% 0.2%
Mortgage America, Inc. $220,000 $285,000 29.5% 0.2%
Prosperity Home Mortgage, LLC $265,000 n/a 0.2%
ARC Federal Credit Union $260,000 n/a 0.2%
LOANDEPOT.COM, LLC $1,075,000 $260,000 -75.8% 0.2%
Third Federal Savings and Loan Association of Cleveland $245,000 n/a 0.2%
PEOPLESBANK, A CODORUS VALLEY COMPANY $235,000 n/a 0.2%
SOVEREIGN LENDING GROUP INCORPORATED $175,000 $215,000 22.9% 0.2%
TOWNE MORTGAGE COMPANY $155,000 $210,000 35.5% 0.2%
CALIBER HOME LOANS, INC. $1,075,000 $205,000 -80.9% 0.2%
Dollar Bank, Federal Savings Bank $185,000 $205,000 10.8% 0.2%
Magnolia Bank $195,000 n/a 0.1%
INVESTMENT SAVINGS BANK $35,000 $190,000 442.9% 0.1%
NORWICH COMMERCIAL GROUP, INC. $985,000 $190,000 -80.7% 0.1%
MILEND, INC. $185,000 n/a 0.1%
The Huntington National Bank $300,000 $185,000 -38.3% 0.1%
First Internet Bank of Indiana $205,000 $165,000 -19.5% 0.1%
Baxter Credit Union $155,000 n/a 0.1%
CLEARPATH LENDING $155,000 n/a 0.1%
Northpointe Bank $480,000 $155,000 -67.7% 0.1%
BROKER SOLUTIONS, INC. $985,000 $145,000 -85.3% 0.1%
Centric Bank $145,000 n/a 0.1%
LENDING CAPITAL GROUP Inc $135,000 n/a 0.1%
Nations Lending Corporation $165,000 $135,000 -18.2% 0.1%
CNB Bank $945,000 $115,000 -87.8% 0.1%
Hometown Bank of Pennsylvania $185,000 $110,000 -40.5% 0.1%
NEWREZ LLC $650,000 $105,000 -83.8% 0.1%
PATRIOT $85,000 $100,000 17.6% 0.1%
1st Summit Bank $1,005,000 $95,000 -90.5% 0.1%
Barrington Bank & Trust Company, N.A. $155,000 $95,000 -38.7% 0.1%
LENDINGHOME FUNDING CORPORATION $95,000 n/a 0.1%
Signature Federal Credit Union $95,000 n/a 0.1%
21ST MORTGAGE CORPORATION $85,000 n/a 0.1%
AMERICAN ADVISORS GROUP $85,000 n/a 0.1%
OPEN MORTGAGE, LLC $75,000 n/a 0.1%
ANGEL OAK HOME LOANS LLC $65,000 n/a 0.0%
EVERENCE FEDERAL CREDIT UNION $125,000 $65,000 -48.0% 0.0%
Discover Bank $55,000 n/a 0.0%
MEMBER FIRST MORTGAGE, LLC $55,000 n/a 0.0%
PennCrest Bank $1,060,000 $45,000 -95.8% 0.0%
TRUMARK FINANCIAL CREDIT UNION $35,000 n/a 0.0%

Huntingdon's top lender by overall market share is Community State Bank of Orbisonia, with 15.2% market share. In second place, with 14.4%, is Kish Bank, having originated $19,545,000 in loans. In third place, with 7.2%, is First National Bank of Pennsylvania, having originated $9,775,000 in loans. In fourth place, with 6.7%, is M&T Realty Capital Corporation, having originated $9,125,000 in loans. In fifth place, with 6.1%, is QUICKEN LOANS, LLC, having originated $8,255,000 in loans.

Huntingdon, PA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 414 $73,910,000 $178,527
Refi 200 $33,230,000 $166,150
Home Improvement 144 $7,520,000 $52,222
Other 106 $7,300,000 $68,868
Cash Out Refi 96 $14,110,000 $146,979

Huntingdon's most frequently cited loan purpose was Home Purchase, with 414 originations. The 2nd most popular reason was Refi, with 200 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 241 $31,135,000 $129,191
5-6% 240 $34,380,000 $143,250
4-5% 180 $25,290,000 $140,500
6-7% 112 $12,520,000 $111,786
2.5-3% 77 $11,685,000 $151,753
<2.5% 56 $6,680,000 $119,286
7-8% 25 $2,105,000 $84,200
Over 8% 5 $265,000 $53,000

During 2022, Huntingdon's most frequently originated rate bucket was 3-4%, with 241 originations.

Loan Sizing (Huntingdon, PA MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 469 $24,175,000 $51,546
$100k-200k 315 $44,765,000 $142,111
$200k-400k 150 $39,370,000 $262,467
$400k-600k 15 $6,665,000 $444,333
$600k-1000k 9 $6,525,000 $725,000
$Over $1MM 2 $14,570,000 $7,285,000

Huntingdon's loan sizing saw the bucket of loans from $100,000 or less with 469 originations, totaling $24,175,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 256 $43,270,000 $169,023
60-80% 241 $41,595,000 $172,593
20-40% 162 $16,630,000 $102,654
Under 20% 148 $4,580,000 $30,946
40-60% 120 $16,320,000 $136,000
Over 100% 9 $1,645,000 $182,778

Huntingdon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 256 originations, totaling $43,270,000 in origination value.