Huntingdon Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Huntingdon averaged
6.85%
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
6.98% and
one month ago for the week of 2025-05-15, the
average rate was 6.85%.
Huntingdon's average rate one year ago was 6.79%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Huntingdon 30 Year Fixed Rate | 2025-06-18 | 6.85% |
| Huntingdon 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Huntingdon 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Huntingdon 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Huntingdon 30 Year FHA | 2025-06-18 | 0% |
| Huntingdon 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Huntingdon 30 Year USDA | 2025-06-18 | -0.1% |
| Huntingdon 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Huntingdon 30 Year VA | 2025-06-18 | 0% |
| Huntingdon 30 Year VA Refi | 2025-06-18 | -0.1% |
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.).
Huntingdon Average Closing Costs & Other Stats
Huntingdon, PA's 52 lenders originated 728
loans during 2024. The total origination value was $94,180,000, with an average loan value of
$129,368.
Huntingdon's average closing costs are $5,074.
The top Huntingdon lender as defined by loan originations is QUICKEN LOANS, LLC, with
22 loans originated. Their average total fees are
$6,411, which is $2,232
higher than the next largest lender,
Kish Bank.
The lowest fee Huntingdon lenders (with over 10 loans originated) are
Community State Bank of Orbisonia ($3,430), Farmers and Merchants Trust Company of Chambersburg ($4,089), Kish Bank ($4,178), Flagstar Bank, FSB ($5,444) and QUICKEN LOANS, LLC ($6,411).
The lowest rate Huntingdon lenders (with over 10 loans originated) are
Community State Bank of Orbisonia (5.47%), Kish Bank (6.33%), Flagstar Bank, FSB (6.59%), Farmers and Merchants Trust Company of Chambersburg (6.85%) and QUICKEN LOANS, LLC (6.92%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Community State Bank of Orbisonia | $12,440,000 | $15,800,000 | 27.0% | 16.8% |
| Kish Bank | $10,485,000 | $12,695,000 | 21.1% | 13.5% |
| QUICKEN LOANS, LLC | $5,985,000 | $7,440,000 | 24.3% | 7.9% |
| First National Bank of Pennsylvania | $3,740,000 | $5,720,000 | 52.9% | 6.1% |
| Farmers and Merchants Trust Company of Chambersburg | $4,155,000 | $4,245,000 | 2.2% | 4.5% |
| Flagstar Bank, FSB | $3,275,000 | $4,065,000 | 24.1% | 4.3% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $4,290,000 | $4,005,000 | -6.6% | 4.3% |
| Equity Prime Mortgage LLC | $250,000 | $3,170,000 | 1,168.0% | 3.4% |
| Reliance Savings Bank | $1,810,000 | $2,690,000 | 48.6% | 2.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $585,000 | $2,220,000 | 279.5% | 2.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,455,000 | $1,380,000 | -5.2% | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | $280,000 | $1,285,000 | 358.9% | 1.4% |
| The Ephrata National Bank | $205,000 | $1,095,000 | 434.1% | 1.2% |
| Mortgage Research Center, LLC | $1,020,000 | $1,025,000 | 0.5% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,010,000 | $975,000 | -3.5% | 1.0% |
| PNC Bank | $695,000 | $935,000 | 34.5% | 1.0% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $540,000 | $910,000 | 68.5% | 1.0% |
| Northwest Bank | $1,075,000 | $910,000 | -15.3% | 1.0% |
| First Commonwealth Bank | $325,000 | $820,000 | 152.3% | 0.9% |
| EQUITY RESOURCES, INC. | $370,000 | $775,000 | 109.5% | 0.8% |
| JPMorgan Chase Bank | $675,000 | n/a | 0.7% | |
| MidAtlantic Farm Credit, ACA | $520,000 | $640,000 | 23.1% | 0.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $930,000 | $605,000 | -34.9% | 0.6% |
| DIRECT MORTGAGE LOANS, LLC | $575,000 | n/a | 0.6% | |
| Citizens Bank | $1,175,000 | $555,000 | -52.8% | 0.6% |
| NORWICH COMMERCIAL GROUP, INC. | $540,000 | n/a | 0.6% | |
| RELIANCE FIRST CAPITAL, LLC | $210,000 | $530,000 | 152.4% | 0.6% |
| LOANDEPOT.COM, LLC | $105,000 | $525,000 | 400.0% | 0.6% |
| CLEARPATH LENDING | $520,000 | n/a | 0.6% | |
| Jersey Shore State Bank | $1,695,000 | $520,000 | -69.3% | 0.6% |
| Hometown Bank of Pennsylvania | $220,000 | $505,000 | 129.5% | 0.5% |
| GUILD MORTGAGE COMPANY | $320,000 | $495,000 | 54.7% | 0.5% |
| GUARANTEED RATE AFFINITY, LLC | $490,000 | n/a | 0.5% | |
| EMM LOANS LLC | $85,000 | $480,000 | 464.7% | 0.5% |
| EVERENCE FEDERAL CREDIT UNION | $475,000 | n/a | 0.5% | |
| RADIUS FINANCIAL GROUP INC. | $475,000 | n/a | 0.5% | |
| M&T Bank | $1,150,000 | $470,000 | -59.1% | 0.5% |
| 1ST SIGNATURE LENDING, LLC | $465,000 | n/a | 0.5% | |
| FIRST COMMUNITY MORTGAGE, INC. | $220,000 | $455,000 | 106.8% | 0.5% |
| York Traditions Bank | $450,000 | n/a | 0.5% | |
| CNB Bank | $715,000 | $435,000 | -39.2% | 0.5% |
| BROKER SOLUTIONS, INC. | $455,000 | $425,000 | -6.6% | 0.5% |
| The Juniata Valley Bank | $345,000 | $405,000 | 17.4% | 0.4% |
| NEWREZ LLC | $105,000 | $400,000 | 281.0% | 0.4% |
| UNION HOME MORTGAGE CORP. | $790,000 | $400,000 | -49.4% | 0.4% |
| PHH Mortgage Corporation | $395,000 | n/a | 0.4% | |
| U.S. Bank | $395,000 | n/a | 0.4% | |
| Mid Penn Bank | $295,000 | $380,000 | 28.8% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $510,000 | $370,000 | -27.5% | 0.4% |
| Univest Bank and Trust Co. | $365,000 | n/a | 0.4% | |
| AmeriHome Mortgage Company, LLC | $350,000 | n/a | 0.4% | |
| Mr. Cooper ( Nationstar Mortgage ) | $375,000 | $325,000 | -13.3% | 0.3% |
| FIRST HERITAGE FINANCIAL, LLC | $425,000 | $300,000 | -29.4% | 0.3% |
| NFM, INC. | $285,000 | n/a | 0.3% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $125,000 | $265,000 | 112.0% | 0.3% |
| USAA Federal Savings Bank | $215,000 | $260,000 | 20.9% | 0.3% |
| MILEND, INC. | $125,000 | $255,000 | 104.0% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $255,000 | n/a | 0.3% | |
| ARC Federal Credit Union | $70,000 | $240,000 | 242.9% | 0.3% |
| PATRIOT | $315,000 | $230,000 | -27.0% | 0.2% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $255,000 | $225,000 | -11.8% | 0.2% |
| First National Bank of America | $225,000 | n/a | 0.2% | |
| S&T Bank | $140,000 | $225,000 | 60.7% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $340,000 | $200,000 | -41.2% | 0.2% |
| NexBank | $195,000 | n/a | 0.2% | |
| TIDEWATER MORTGAGE SERVICES, INC. | $195,000 | n/a | 0.2% | |
| Orrstown Bank | $1,100,000 | $190,000 | -82.7% | 0.2% |
| Baxter Credit Union | $175,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $165,000 | n/a | 0.2% | |
| FINANCE OF AMERICA REVERSE LLC | $165,000 | n/a | 0.2% | |
| Mid-Continent Funding, Inc. | $165,000 | n/a | 0.2% | |
| JMAC LENDING, INC. | $155,000 | n/a | 0.2% | |
| AmeriServ Financial Bank | $400,000 | $140,000 | -65.0% | 0.1% |
| Coastal Community Bank | $40,000 | $140,000 | 250.0% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $265,000 | $135,000 | -49.1% | 0.1% |
| OCMBC, INC. | $135,000 | n/a | 0.1% | |
| Wells Fargo Bank | $370,000 | $135,000 | -63.5% | 0.1% |
| ALLIANT CREDIT UNION | $125,000 | n/a | 0.1% | |
| First Citizens Community Bank | $145,000 | $125,000 | -13.8% | 0.1% |
| POLICE & FIRE | $120,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $85,000 | $115,000 | 35.3% | 0.1% |
| RAPID MORTGAGE COMPANY | $115,000 | n/a | 0.1% | |
| ALLIED MORTGAGE GROUP, INC. | $105,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $320,000 | $105,000 | -67.2% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $125,000 | $95,000 | -24.0% | 0.1% |
| CORNING | $105,000 | $75,000 | -28.6% | 0.1% |
| Fulton Bank | $645,000 | $75,000 | -88.4% | 0.1% |
| BELCO COMMUNITY CREDIT UNION | $65,000 | $65,000 | 0.0% | 0.1% |
| Truist | $120,000 | $65,000 | -45.8% | 0.1% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | $55,000 | n/a | 0.1% | |
| PennCrest Bank | $130,000 | $45,000 | -65.4% | 0.0% |
| Discover Bank | $90,000 | $35,000 | -61.1% | 0.0% |
| Dollar Bank, Federal Savings Bank | $25,000 | n/a | 0.0% | |
| Figure Lending LLC | $25,000 | n/a | 0.0% |
Huntingdon's top lender by overall market share is Community State Bank of Orbisonia, with 16.8% market share. In second place, with 13.5%, is Kish Bank, having originated $12,695,000 in loans. In third place, with 7.9%, is QUICKEN LOANS, LLC, having originated $7,440,000 in loans. In fourth place, with 6.1%, is First National Bank of Pennsylvania, having originated $5,720,000 in loans. In fifth place, with 4.5%, is Farmers and Merchants Trust Company of Chambersburg, having originated $4,245,000 in loans.
Huntingdon, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 281 | $53,815,000 | $191,512 |
| Home Improvement | 137 | $8,245,000 | $60,182 |
| Other | 134 | $8,670,000 | $64,701 |
| Refi | 94 | $11,490,000 | $122,234 |
| Cash Out Refi | 82 | $11,960,000 | $145,854 |
Huntingdon's most frequently cited loan purpose was Home Purchase, with 281 originations. The 2nd most popular reason was Home Improvement, with 137 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 350 | $44,590,000 | $127,400 |
| 7-8% | 141 | $18,425,000 | $130,674 |
| Over 8% | 106 | $8,930,000 | $84,245 |
| 5-6% | 93 | $17,315,000 | $186,183 |
| <2.5% | 6 | $220,000 | $36,667 |
| 4-5% | 4 | $660,000 | $165,000 |
During 2024, Huntingdon's most frequently originated rate bucket was 6-7%, with 350 originations.
Loan Sizing (Huntingdon, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 361 | $17,695,000 | $49,017 |
| $100k-200k | 219 | $31,605,000 | $144,315 |
| $200k-400k | 125 | $33,665,000 | $269,320 |
| $400k-600k | 21 | $9,615,000 | $457,857 |
| $600k-1000k | 2 | $1,600,000 | $800,000 |
Huntingdon's loan sizing saw the bucket of loans from $100,000 or less with 361 originations, totaling $17,695,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 201 | $38,275,000 | $190,423 |
| 20-40% | 149 | $11,935,000 | $80,101 |
| Under 20% | 140 | $4,320,000 | $30,857 |
| 60-80% | 138 | $25,170,000 | $182,391 |
| 40-60% | 69 | $9,525,000 | $138,043 |
| Over 100% | 3 | $675,000 | $225,000 |
Huntingdon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 201 originations, totaling $38,275,000 in origination value.