JOHNSTOWN Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Johnstown averaged
6.7%
for the week of 2026-07-23, compared to the national average of
6.58% for the same period.
The average rate for the prior week (2026-07-16) was
6.37% and
one month ago for the week of 2026-06-18, the
average rate was 6.29%.
Johnstown's average rate one year ago was 6.57%.
For refis of the same type during the week of 2026-07-23, the average rate
was 6.98%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-07-23 | 6.58% |
| Johnstown 30 Year Fixed Rate | 2026-07-23 | 6.7% |
| Johnstown 30 Year Fixed Rate Refi | 2026-07-23 | 6.98% |
| Johnstown 15 Year Fixed Rate | 2026-07-23 | 6.06% |
| Johnstown 15 Year Fixed Rate Refi | 2026-07-23 | 6.26% |
| Johnstown 30 Year FHA | 2026-07-23 | 6.34% |
| Johnstown 30 Year FHA Refi | 2026-07-23 | 6.19% |
| Johnstown 30 Year USDA | 2026-07-23 | 6.48% |
| Johnstown 30 Year USDA Refi | 2026-07-23 | 6.18% |
| Johnstown 30 Year VA | 2026-07-23 | 6.24% |
| Johnstown 30 Year VA Refi | 2026-07-23 | 6.44% |
JOHNSTOWN 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 JOHNSTOWN, 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.).
JOHNSTOWN Average Closing Costs & Other Stats
JOHNSTOWN, PA's 72 lenders originated 2,034
loans during 2024. The total origination value was $222,320,000, with an average loan value of
$109,302.
JOHNSTOWN's average closing costs are $4,606.
The top JOHNSTOWN lender as defined by loan originations is First Commonwealth Bank, with
70 loans originated. Their average total fees are
$4,657, which is $885
lower than the next largest lender,
PRIMELENDING, A PLAINSCAPITAL COMPANY.
The lowest fee JOHNSTOWN lenders (with over 10 loans originated) are
1st Summit Bank ($2,517), S&T Bank ($3,322), SOMERSET TRUST COMPANY ($3,834), Wells Fargo Bank ($4,064) and First National Bank of Pennsylvania ($4,134).
The lowest rate JOHNSTOWN lenders (with over 10 loans originated) are
SOMERSET TRUST COMPANY (6.31%), Wells Fargo Bank (6.58%), PRIMELENDING, A PLAINSCAPITAL COMPANY (6.64%), First Commonwealth Bank (6.65%) and S&T Bank (6.66%).
JOHNSTOWN, 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 |
|---|---|---|---|---|
| First Commonwealth Bank | $23,060,000 | $25,195,000 | 9.3% | 11.3% |
| First National Bank of Pennsylvania | $16,780,000 | $24,615,000 | 46.7% | 11.1% |
| 1st Summit Bank | $24,175,000 | $14,965,000 | -38.1% | 6.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $12,605,000 | $14,955,000 | 18.6% | 6.7% |
| QUICKEN LOANS, LLC | $9,975,000 | $13,165,000 | 32.0% | 5.9% |
| AmeriServ Financial Bank | $8,865,000 | $11,530,000 | 30.1% | 5.2% |
| PennCrest Bank | $8,325,000 | $10,960,000 | 31.7% | 4.9% |
| S&T Bank | $6,755,000 | $9,730,000 | 44.0% | 4.4% |
| SOMERSET TRUST COMPANY | $5,435,000 | $8,065,000 | 48.4% | 3.6% |
| Flagstar Bank, FSB | $8,020,000 | $7,765,000 | -3.2% | 3.5% |
| Mortgage Research Center, LLC | $5,050,000 | $5,230,000 | 3.6% | 2.4% |
| Slovenian Savings & Loan Association of Franklin-Conemaugh | $5,510,000 | $4,615,000 | -16.2% | 2.1% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $5,580,000 | $4,000,000 | -28.3% | 1.8% |
| CNB Bank | $2,475,000 | $3,990,000 | 61.2% | 1.8% |
| Reliance Savings Bank | $2,595,000 | $3,005,000 | 15.8% | 1.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,330,000 | $3,005,000 | 125.9% | 1.4% |
| InFirst Bank | $3,965,000 | $2,410,000 | -39.2% | 1.1% |
| Customers Bank | $2,155,000 | n/a | 1.0% | |
| Kish Bank | $15,000 | $2,135,000 | 14,133.3% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $1,020,000 | $2,115,000 | 107.4% | 1.0% |
| Northwest Bank | $2,605,000 | $1,650,000 | -36.7% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $840,000 | $1,590,000 | 89.3% | 0.7% |
| LOANDEPOT.COM, LLC | $965,000 | $1,555,000 | 61.1% | 0.7% |
| Jersey Shore State Bank | $710,000 | $1,540,000 | 116.9% | 0.7% |
| NEW DAY FINANCIAL, LLC | $875,000 | $1,525,000 | 74.3% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $600,000 | $1,350,000 | 125.0% | 0.6% |
| Wells Fargo Bank | $1,570,000 | $1,195,000 | -23.9% | 0.5% |
| Marion Center Bank | $560,000 | $1,180,000 | 110.7% | 0.5% |
| PNC Bank | $3,690,000 | $1,130,000 | -69.4% | 0.5% |
| USSCO Federal Credit Union | $1,155,000 | $1,130,000 | -2.2% | 0.5% |
| RADIUS FINANCIAL GROUP INC. | $1,110,000 | n/a | 0.5% | |
| Discover Bank | $395,000 | $1,070,000 | 170.9% | 0.5% |
| JPMorgan Chase Bank | $475,000 | $1,060,000 | 123.2% | 0.5% |
| USAA Federal Savings Bank | $680,000 | $1,000,000 | 47.1% | 0.4% |
| UNION HOME MORTGAGE CORP. | $970,000 | $980,000 | 1.0% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $350,000 | $970,000 | 177.1% | 0.4% |
| The Huntington National Bank | $320,000 | $955,000 | 198.4% | 0.4% |
| MidAtlantic Farm Credit, ACA | $135,000 | $915,000 | 577.8% | 0.4% |
| Citizens Bank | $3,325,000 | $875,000 | -73.7% | 0.4% |
| BROKER SOLUTIONS, INC. | $990,000 | $870,000 | -12.1% | 0.4% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $865,000 | $860,000 | -0.6% | 0.4% |
| CFSBANK | $820,000 | n/a | 0.4% | |
| PENNYMAC LOAN SERVICES, LLC | $1,160,000 | $805,000 | -30.6% | 0.4% |
| NORWICH COMMERCIAL GROUP, INC. | $1,355,000 | $795,000 | -41.3% | 0.4% |
| BETTER MORTGAGE CORPORATION | $210,000 | $755,000 | 259.5% | 0.3% |
| U.S. Bank | $540,000 | $730,000 | 35.2% | 0.3% |
| NATIONS RELIABLE LENDING, LLC | $170,000 | $660,000 | 288.2% | 0.3% |
| ROYAL UNITED MORTGAGE LLC | $470,000 | $615,000 | 30.9% | 0.3% |
| First Option Mortgage, LLC | $570,000 | n/a | 0.3% | |
| Altoona First Savings Bank | $195,000 | $535,000 | 174.4% | 0.2% |
| ZILLOW HOME LOANS, LLC | $675,000 | $525,000 | -22.2% | 0.2% |
| CMG MORTGAGE, INC. | $575,000 | $515,000 | -10.4% | 0.2% |
| EQUITY RESOURCES, INC. | $1,785,000 | $515,000 | -71.1% | 0.2% |
| FIRST COLONY MORTGAGE CORPORATION | $505,000 | n/a | 0.2% | |
| C-B-W Schools Federal Credit Union | $1,405,000 | $485,000 | -65.5% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $175,000 | $475,000 | 171.4% | 0.2% |
| Carrington Mortgage Services, LLC | $305,000 | $465,000 | 52.5% | 0.2% |
| Ally Bank | $95,000 | $430,000 | 352.6% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $105,000 | $385,000 | 266.7% | 0.2% |
| Fulton Bank | $155,000 | $375,000 | 141.9% | 0.2% |
| MILEND, INC. | $355,000 | n/a | 0.2% | |
| LENDINGHOME FUNDING CORPORATION | $200,000 | $345,000 | 72.5% | 0.2% |
| Dollar Bank, Federal Savings Bank | $295,000 | $340,000 | 15.3% | 0.2% |
| NFM, INC. | $315,000 | $335,000 | 6.3% | 0.2% |
| ARC Federal Credit Union | $150,000 | $325,000 | 116.7% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $445,000 | $325,000 | -27.0% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $265,000 | $315,000 | 18.9% | 0.1% |
| NEWREZ LLC | $190,000 | $305,000 | 60.5% | 0.1% |
| TOTAL MORTGAGE SERVICES, LLC | $75,000 | $290,000 | 286.7% | 0.1% |
| Coastal Community Bank | $55,000 | $285,000 | 418.2% | 0.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $270,000 | $280,000 | 3.7% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $265,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $85,000 | $260,000 | 205.9% | 0.1% |
| M&T Bank | $670,000 | $250,000 | -62.7% | 0.1% |
| Prosperity Home Mortgage, LLC | $245,000 | n/a | 0.1% | |
| UTILITIES EMPLOYEES CREDIT UNION | $460,000 | $235,000 | -48.9% | 0.1% |
| Figure Lending LLC | $100,000 | $230,000 | 130.0% | 0.1% |
| Truist | $75,000 | $230,000 | 206.7% | 0.1% |
| Community State Bank of Orbisonia | $75,000 | $215,000 | 186.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $135,000 | $215,000 | 59.3% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $310,000 | $215,000 | -30.6% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $210,000 | n/a | 0.1% | |
| NATION ONE MORTGAGE CORPORATION | $205,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $75,000 | $205,000 | 173.3% | 0.1% |
| HOMESTEAD FUNDING CORP. | $195,000 | n/a | 0.1% | |
| JLB CORPORATION | $195,000 | n/a | 0.1% | |
| DOMINION FINANCIAL SERVICES, LLC | $190,000 | n/a | 0.1% | |
| INTERCOASTAL MORTGAGE COMPANY | $175,000 | n/a | 0.1% | |
| STOCKTON MORTGAGE CORPORATION | $55,000 | $175,000 | 218.2% | 0.1% |
| Equity Prime Mortgage LLC | $135,000 | $170,000 | 25.9% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $105,000 | $170,000 | 61.9% | 0.1% |
| Northeast Equitable Mortgage, LLC | $165,000 | n/a | 0.1% | |
| Union Savings Bank | $165,000 | n/a | 0.1% | |
| AMERICAN HERITAGE FCU | $35,000 | $155,000 | 342.9% | 0.1% |
| Integrity Home Mortgage Corp | $150,000 | n/a | 0.1% | |
| Elderton State Bank | $390,000 | $145,000 | -62.8% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $220,000 | $145,000 | -34.1% | 0.1% |
| Victorian Finance, LLC | $145,000 | n/a | 0.1% | |
| INVESTMENT SAVINGS BANK | $735,000 | $135,000 | -81.6% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $130,000 | $130,000 | 0.0% | 0.1% |
| BAY EQUITY LLC | $125,000 | n/a | 0.1% | |
| FIRST OHIO HOME FINANCE, INC. | $125,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $125,000 | n/a | 0.1% | |
| Premium Mortgage Corporation | $125,000 | n/a | 0.1% | |
| FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | $295,000 | $115,000 | -61.0% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $300,000 | $115,000 | -61.7% | 0.1% |
| Towne Bank | $115,000 | n/a | 0.1% | |
| EMM LOANS LLC | $105,000 | n/a | 0.0% | |
| FIRST HOME MORTGAGE CORPORATION | $105,000 | n/a | 0.0% | |
| LOANPAL, LLC | $130,000 | $105,000 | -19.2% | 0.0% |
| Magnolia Bank | $105,000 | n/a | 0.0% | |
| Bank of America | $175,000 | $95,000 | -45.7% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $95,000 | n/a | 0.0% | |
| Tyndall Federal Credit Union | $95,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $85,000 | n/a | 0.0% | |
| WEST PENN FINANCIAL SERVICE CENTER, INC. | $250,000 | $85,000 | -66.0% | 0.0% |
| AMERICAN FINANCING CORPORATION | $115,000 | $75,000 | -34.8% | 0.0% |
| AMERISAVE MORTGAGE CORPORATION | $295,000 | $75,000 | -74.6% | 0.0% |
| Blair County FCU | $125,000 | $75,000 | -40.0% | 0.0% |
| The Loan Store, Inc. | $75,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $65,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $15,000 | $60,000 | 300.0% | 0.0% |
| HONDA Federal Credit Union | $55,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $55,000 | n/a | 0.0% | |
| Wayne Savings Community Bank | $55,000 | n/a | 0.0% | |
| First Hope Bank, A National Banking Association | $45,000 | n/a | 0.0% | |
| Orrstown Bank | $155,000 | $45,000 | -71.0% | 0.0% |
| TD Bank | $345,000 | $45,000 | -87.0% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $65,000 | $45,000 | -30.8% | 0.0% |
| BELCO COMMUNITY CREDIT UNION | $25,000 | $25,000 | 0.0% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% | |
| MEMBERS 1ST FEDERAL CREDIT UNION | $90,000 | $25,000 | -72.2% | 0.0% |
| Presidential Bank, FSB | $25,000 | n/a | 0.0% |
JOHNSTOWN's top lender by overall market share is First Commonwealth Bank, with 11.3% market share. In second place, with 11.1%, is First National Bank of Pennsylvania, having originated $24,615,000 in loans. In third place, with 6.7%, is 1st Summit Bank, having originated $14,965,000 in loans. In fourth place, with 6.7%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $14,955,000 in loans. In fifth place, with 5.9%, is QUICKEN LOANS, LLC, having originated $13,165,000 in loans.
JOHNSTOWN, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 994 | $140,640,000 | $141,489 |
| Home Improvement | 371 | $21,005,000 | $56,617 |
| Refi | 324 | $32,910,000 | $101,574 |
| Other | 233 | $12,545,000 | $53,841 |
| Cash Out Refi | 112 | $15,220,000 | $135,893 |
Johnstown's most frequently cited loan purpose was Home Purchase, with 994 originations. The 2nd most popular reason was Home Improvement, with 371 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 747 | $92,825,000 | $124,264 |
| 7-8% | 441 | $47,035,000 | $106,655 |
| 5-6% | 263 | $32,985,000 | $125,418 |
| Over 8% | 156 | $9,540,000 | $61,154 |
| <2.5% | 33 | $195,000 | $5,909 |
| 4-5% | 29 | $3,065,000 | $105,690 |
| 3-4% | 25 | $2,005,000 | $80,200 |
During 2024, Johnstown's most frequently originated rate bucket was 6-7%, with 747 originations.
Loan Sizing (JOHNSTOWN, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 1,187 | $60,405,000 | $50,889 |
| $100k-200k | 596 | $82,370,000 | $138,205 |
| $200k-400k | 204 | $53,690,000 | $263,186 |
| $400k-600k | 38 | $17,640,000 | $464,211 |
| $600k-1000k | 7 | $5,025,000 | $717,857 |
| $Over $1MM | 2 | $3,190,000 | $1,595,000 |
JOHNSTOWN's loan sizing saw the bucket of loans from $100,000 or less with 1,187 originations, totaling $60,405,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 679 | $102,635,000 | $151,156 |
| 60-80% | 311 | $39,095,000 | $125,707 |
| 20-40% | 274 | $15,290,000 | $55,803 |
| Under 20% | 214 | $5,980,000 | $27,944 |
| 40-60% | 185 | $18,905,000 | $102,189 |
| Over 100% | 20 | $4,110,000 | $205,500 |
JOHNSTOWN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 679 originations, totaling $102,635,000 in origination value.