JOHNSTOWN Mortgage Rates

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

30 Year Fixed Rate mortgages in Johnstown averaged 5.94% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.25% and one month ago for the week of 2022-05-26, the average rate was 5.34%.

Johnstown's average rate one year ago was 3.11%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.22%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Johnstown 30 Year Fixed Rate 2022-06-30 5.94%
Johnstown 30 Year Fixed Rate Refi 2022-06-30 5.22%
Johnstown 15 Year Fixed Rate 2022-06-30 5.27%
Johnstown 15 Year Fixed Rate Refi 2022-06-30 5.51%
Johnstown 30 Year FHA 2022-06-30 5.57%
Johnstown 30 Year FHA Refi 2022-06-30 5.74%
Johnstown 30 Year USDA 2022-06-30 5.66%
Johnstown 30 Year USDA Refi 2022-06-30 5.4%
Johnstown 30 Year VA 2022-06-30 5.72%
Johnstown 30 Year VA Refi 2022-06-30 5.62%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within JOHNSTOWN, PA.

JOHNSTOWN 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 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
First Commonwealth Bank 105 3.28% $3,519
PRIMELENDING, A PLAINSCAPITAL COMPANY 74 3.33% $4,043
QUICKEN LOANS, LLC 50 3.29% $4,914
First National Bank of Pennsylvania 49 2.94% $3,414
Wells Fargo Bank 27 3.40% $3,276
AmeriServ Financial Bank 25 2.82% $3,176
SOMERSET TRUST COMPANY 18 3.24% $3,126
S&T Bank 17 3.19% $4,995
InFirst Bank 12 3.41% $2,446
NORWICH COMMERCIAL GROUP, INC. 11 3.26% $4,059
Citizens Bank 10 3.05% $5,334
PENNSYLVANIA STATE EMPLOYEES Credit Union 10 3.18% $2,316
Bank of England 9 3.32% $4,338
EQUITY RESOURCES, INC. 8 3.06% $3,430
Reliance Savings Bank 7 3.05% $5,693
NEWREZ LLC 7 3.03% $4,094
CNB Bank 7 3.05% $2,980
UNITED WHOLESALE MORTGAGE, LLC 6 3.12% $3,962
Flagstar Bank, FSB 6 3.12% $4,559
PNC Bank 6 3.10% $4,204
AMERISAVE MORTGAGE CORPORATION 6 2.85% $4,498
CALIBER HOME LOANS, INC. 6 3.13% $4,920
LOANDEPOT.COM, LLC 5 3.20% $4,478
NAVY FEDERAL CREDIT UNION 5 3.95% $2,734
NATIONS RELIABLE LENDING, LLC 5 2.95% $5,492
MOVEMENT MORTGAGE, LLC 4 3.14% $3,742
The Huntington National Bank 4 3.04% $2,560
Northwest Bank 4 3.09% $3,408
First Federal Bank 4 3.44% $4,541
GUARANTEED RATE, INC. 3 3.21% $4,129
AFFORDABLE MORTGAGE ADVISORS, LLC. 3 2.92% $3,701
Northpointe Bank 3 3.58% $3,568
Discover Bank 3 6.24% $0
ROYAL UNITED MORTGAGE LLC 3 3.67% $4,893
Nations Lending Corporation 3 3.00% $7,052
U.S. Bank 3 3.08% $3,641
Fulton Bank 2 4.00% $3,798
AMERICAN FINANCING CORPORATION 2 3.38% $4,520
BROKER SOLUTIONS, INC. 2 2.93% $4,019
Mr. Cooper ( Nationstar Mortgage ) 2 3.25% $4,074
Paramount Residential Mortgage Group, Inc. 2 3.44% $3,721
PENNYMAC LOAN SERVICES, LLC 2 3.25% $4,901
York Traditions Bank 2 3.44% $4,018
GUARANTEED RATE AFFINITY, LLC 1 3.25% $4,594
Manufacturers and Traders Trust Company 1 3.38% $3,698
MCLEAN MORTGAGE CORPORATION 1 3.13% $3,356
MEMBERS 1ST FEDERAL CREDIT UNION 1 3.38% $3,401
Mortgage America, Inc. 1 3.50% $3,613
Mortgage Research Center, LLC 1 3.25% $2,111
George Mason Mortgage, LLC 1 2.99% $6,482
Ally Bank 1 4.13% $3,805
Gateway First Bank 1 3.00% $3,051
FREEDOM MORTGAGE CORPORATION 1 3.25% $2,789
First Columbia Bank & Trust Co. 1 3.50% $4,340
FBC MORTGAGE, LLC 1 3.25% $4,026
EVANSVILLE TEACHERS 1 3.38% $3,073
DRAPER AND KRAMER MORTGAGE CORP. 1 2.88% $2,766
Dollar Bank, Federal Savings Bank 1 3.00% $3,679
WEST PENN FINANCIAL SERVICE CENTER, INC. 1 2.88% $4,271
CROSSCOUNTRY MORTGAGE, LLC 1 3.99% $3,777
ZILLOW HOME LOANS, LLC 1 3.50% $6,123
PLAZA HOME MORTGAGE, INC. 1 3.38% $3,381
Colonial Savings, F.A. 1 2.88% $5,932
CHURCHILL MORTGAGE CORPORATION 1 3.88% $3,868
Prosperity Home Mortgage, LLC 1 3.25% $4,522
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.75% $2,547
Center City Mortgage and Investments LLC 1 3.38% $3,025
Quontic Bank 1 6.00% $6,814
RELIANCE FIRST CAPITAL, LLC 1 2.75% $6,704
CBM Mortgage, Inc. 1 3.63% $3,617
Carrington Mortgage Services, LLC 1 3.25% $3,868
Sail Mortgage Corp. 1 2.38% $5,472
SOFI LENDING CORP. 1 3.00% $3,679
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 2.87% $6,711
BETTER MORTGAGE CORPORATION 1 2.88% $3,006
SUN WEST MORTGAGE COMPANY, INC. 1 3.88% $3,686
T2 FINANCIAL LLC 1 2.99% $7,910
TD Bank 1 3.00% $4,232
The Federal Savings Bank 1 3.63% $4,084
BAYSHORE MORTGAGE FUNDING, LLC 1 2.99% $5,507
TIDEWATER MORTGAGE SERVICES, INC. 1 2.88% $3,787
UNION HOME MORTGAGE CORP. 1 2.88% $2,985
Bank of America 1 2.88% $3,519
Atlantic Union Bank 1 3.63% $3,707
UTILITIES EMPLOYEES CREDIT UNION 1 2.88% $2,995
IMPAC MORTGAGE CORP. 1 3.50% $5,368
HOME POINT FINANCIAL CORPORATION 1 3.00% $2,845
JPMorgan Chase Bank 1 3.25% $4,791
KeyBank 1 3.50% $4,145

JOHNSTOWN, PA's 89 lenders originated 3,230 loans during 2021. The total origination value was $379,450,000, with an average loan value of $117,477.

The top JOHNSTOWN lender as defined by loan originations is First Commonwealth Bank, with 105 loans originated. Their average total fees are $3,519, which is $524 lower than the next largest lender, PRIMELENDING, A PLAINSCAPITAL COMPANY.

The lowest fee JOHNSTOWN lenders (with over 10 loans originated) are PENNSYLVANIA STATE EMPLOYEES Credit Union ($2,316), InFirst Bank ($2,446), SOMERSET TRUST COMPANY ($3,126), AmeriServ Financial Bank ($3,176) and Wells Fargo Bank ($3,276).

The lowest rate JOHNSTOWN lenders (with over 10 loans originated) are AmeriServ Financial Bank (2.82%), First National Bank of Pennsylvania (2.94%), Citizens Bank (3.05%), PENNSYLVANIA STATE EMPLOYEES Credit Union (3.18%) and S&T Bank (3.19%).

JOHNSTOWN, 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
1st Summit Bank $32,015,000 $42,815,000 33.7% 11.3%
First Commonwealth Bank $44,760,000 $37,605,000 -16.0% 9.9%
First National Bank of Pennsylvania $29,305,000 $36,680,000 25.2% 9.7%
QUICKEN LOANS, LLC $16,560,000 $24,480,000 47.8% 6.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $22,720,000 $19,310,000 -15.0% 5.1%
S&T Bank $15,600,000 $19,020,000 21.9% 5.0%
ARC HOME LLC $10,580,000 $14,770,000 39.6% 3.9%
PennCrest Bank $13,535,000 $14,510,000 7.2% 3.8%
Slovenian Savings & Loan Association of Franklin-Conemaugh $9,850,000 $14,015,000 42.3% 3.7%
Wells Fargo Bank $6,480,000 $10,290,000 58.8% 2.7%
SOMERSET TRUST COMPANY $11,785,000 $7,900,000 -33.0% 2.1%
FREEDOM MORTGAGE CORPORATION $7,145,000 $7,595,000 6.3% 2.0%
Reliance Savings Bank $3,610,000 $7,175,000 98.8% 1.9%
Mortgage Research Center, LLC $4,445,000 $7,040,000 58.4% 1.9%
AmeriServ Financial Bank $12,210,000 $6,870,000 -43.7% 1.8%
InFirst Bank $5,115,000 $5,320,000 4.0% 1.4%
CNB Bank $3,625,000 $5,000,000 37.9% 1.3%
PENNSYLVANIA STATE EMPLOYEES Credit Union $5,040,000 $4,005,000 -20.5% 1.1%
Citizens Bank $2,450,000 $4,000,000 63.3% 1.1%
EQUITY RESOURCES, INC. $3,295,000 $3,795,000 15.2% 1.0%
Northwest Bank $3,730,000 $3,520,000 -5.6% 0.9%
Flagstar Bank, FSB $7,745,000 $3,430,000 -55.7% 0.9%
NEWREZ LLC $605,000 $3,240,000 435.5% 0.9%
C-B-W Schools Federal Credit Union $3,140,000 $3,125,000 -0.5% 0.8%
NORWICH COMMERCIAL GROUP, INC. $2,180,000 $2,830,000 29.8% 0.7%
NATIONS RELIABLE LENDING, LLC $455,000 $2,740,000 502.2% 0.7%
Hometown Bank of Pennsylvania $200,000 $2,600,000 1,200.0% 0.7%
PNC Bank $2,130,000 $2,480,000 16.4% 0.7%
PENNYMAC LOAN SERVICES, LLC $985,000 $2,370,000 140.6% 0.6%
LOANDEPOT.COM, LLC $1,470,000 $2,335,000 58.8% 0.6%
First Federal Bank of the Midwest $1,355,000 $2,195,000 62.0% 0.6%
CALIBER HOME LOANS, INC. $915,000 $2,065,000 125.7% 0.5%
UNITED WHOLESALE MORTGAGE, LLC $2,210,000 $2,035,000 -7.9% 0.5%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $1,875,000 n/a 0.5%
AMERISAVE MORTGAGE CORPORATION $860,000 $1,860,000 116.3% 0.5%
Manufacturers and Traders Trust Company $1,780,000 $1,815,000 2.0% 0.5%
NEW DAY FINANCIAL, LLC $2,140,000 $1,720,000 -19.6% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $4,670,000 $1,695,000 -63.7% 0.4%
Bank of England $1,040,000 $1,600,000 53.8% 0.4%
Nations Lending Corporation $235,000 $1,430,000 508.5% 0.4%
UNION HOME MORTGAGE CORP. $1,025,000 $1,365,000 33.2% 0.4%
U.S. Bank $180,000 $1,355,000 652.8% 0.4%
InterContinental Capital Group, Inc $405,000 $1,265,000 212.3% 0.3%
NAVY FEDERAL CREDIT UNION $1,210,000 $1,260,000 4.1% 0.3%
GREYSTONE SERVICING COMPANY LLC $1,255,000 n/a 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $945,000 $1,115,000 18.0% 0.3%
Marion Center Bank $1,945,000 $950,000 -51.2% 0.3%
MOVEMENT MORTGAGE, LLC $400,000 $920,000 130.0% 0.2%
BETTER MORTGAGE CORPORATION $370,000 $905,000 144.6% 0.2%
USAA Federal Savings Bank $1,525,000 $825,000 -45.9% 0.2%
Carrington Mortgage Services, LLC $305,000 $815,000 167.2% 0.2%
BROKER SOLUTIONS, INC. $125,000 $775,000 520.0% 0.2%
AMERICAN FINANCING CORPORATION $235,000 $720,000 206.4% 0.2%
GUARANTEED RATE AFFINITY, LLC $95,000 $720,000 657.9% 0.2%
Dollar Bank, Federal Savings Bank $35,000 $705,000 1,914.3% 0.2%
The Huntington National Bank $600,000 $705,000 17.5% 0.2%
First Federal Bank $395,000 $655,000 65.8% 0.2%
Altoona First Savings Bank $480,000 $640,000 33.3% 0.2%
ROYAL UNITED MORTGAGE LLC $120,000 $595,000 395.8% 0.2%
Truist Bank $425,000 $575,000 35.3% 0.2%
CLEARPATH LENDING $720,000 $565,000 -21.5% 0.1%
Jersey Shore State Bank $560,000 n/a 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $45,000 $555,000 1,133.3% 0.1%
JPMorgan Chase Bank $265,000 $515,000 94.3% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $505,000 n/a 0.1%
Northpointe Bank $145,000 $480,000 231.0% 0.1%
George Mason Mortgage, LLC $145,000 $445,000 206.9% 0.1%
HOME POINT FINANCIAL CORPORATION $610,000 $435,000 -28.7% 0.1%
EMM LOANS LLC $65,000 $420,000 546.2% 0.1%
Equity Prime Mortgage LLC $420,000 n/a 0.1%
AFFORDABLE MORTGAGE ADVISORS, LLC. $415,000 n/a 0.1%
Bank of America $1,015,000 $390,000 -61.6% 0.1%
Sail Mortgage Corp. $390,000 n/a 0.1%
CROSSCOUNTRY MORTGAGE, LLC $385,000 n/a 0.1%
GUARANTEED RATE, INC. $230,000 $380,000 65.2% 0.1%
LAKEVIEW LOAN SERVICING, LLC $55,000 $375,000 581.8% 0.1%
The Gratz Bank $375,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $225,000 $360,000 60.0% 0.1%
Vellum Mortgage, Inc. $355,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $215,000 $350,000 62.8% 0.1%
EVANSVILLE TEACHERS $345,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $270,000 $335,000 24.1% 0.1%
PLAZA HOME MORTGAGE, INC. $155,000 $335,000 116.1% 0.1%
PHH Mortgage Corporation $85,000 $330,000 288.2% 0.1%
Prime Choice Funding Inc. $325,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $885,000 $320,000 -63.8% 0.1%
First Columbia Bank & Trust Co. $315,000 n/a 0.1%
AgChoice Farm Credit ACA $245,000 $290,000 18.4% 0.1%
Presidential Bank, FSB $275,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $275,000 n/a 0.1%
Ally Bank $270,000 n/a 0.1%
Fulton Bank $270,000 n/a 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $265,000 n/a 0.1%
Prosperity Home Mortgage, LLC $45,000 $265,000 488.9% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $255,000 n/a 0.1%
Discover Bank $225,000 $255,000 13.3% 0.1%
The Luzerne Bank $255,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $65,000 $250,000 284.6% 0.1%
TD Bank $250,000 n/a 0.1%
FINANCE OF AMERICA MORTGAGE LLC $235,000 n/a 0.1%
NEXTIER BANK, NATIONAL ASSOCIATION $235,000 n/a 0.1%
Union Savings Bank $235,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $75,000 $225,000 200.0% 0.1%
Univest Bank and Trust Co. $225,000 n/a 0.1%
Elderton State Bank $220,000 n/a 0.1%
TIAA, FSB $455,000 $215,000 -52.7% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $400,000 $205,000 -48.8% 0.1%
ZILLOW HOME LOANS, LLC $85,000 $200,000 135.3% 0.1%
IMPAC MORTGAGE CORP. $195,000 n/a 0.1%
T2 FINANCIAL LLC $195,000 n/a 0.1%
KeyBank $55,000 $185,000 236.4% 0.0%
Mortgage America, Inc. $180,000 n/a 0.0%
WEST PENN FINANCIAL SERVICE CENTER, INC. $180,000 n/a 0.0%
York Traditions Bank $180,000 n/a 0.0%
EVERETT FINANCIAL, INC. $175,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $270,000 $175,000 -35.2% 0.0%
SOFI LENDING CORP. $575,000 $175,000 -69.6% 0.0%
The Federal Savings Bank $175,000 $175,000 0.0% 0.0%
ACCELERATE MORTGAGE, LLC $165,000 n/a 0.0%
ASSOCIATED MORTGAGE BANKERS, INC. $165,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $505,000 $165,000 -67.3% 0.0%
Atlantic Union Bank $155,000 n/a 0.0%
INVESTMENT SAVINGS BANK $155,000 $150,000 -3.2% 0.0%
AMERICAN ADVISORS GROUP $145,000 $145,000 0.0% 0.0%
CHURCHILL MORTGAGE CORPORATION $125,000 $145,000 16.0% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $135,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $125,000 n/a 0.0%
MCLEAN MORTGAGE CORPORATION $55,000 $125,000 127.3% 0.0%
RELIANCE FIRST CAPITAL, LLC $465,000 $125,000 -73.1% 0.0%
TIDEWATER MORTGAGE SERVICES, INC. $150,000 $125,000 -16.7% 0.0%
Victorian Finance, LLC $125,000 n/a 0.0%
Gateway First Bank $115,000 n/a 0.0%
NFM, INC. $115,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $685,000 $115,000 -83.2% 0.0%
Colonial Savings, F.A. $135,000 $105,000 -22.2% 0.0%
Orrstown Bank $105,000 n/a 0.0%
Quontic Bank $105,000 n/a 0.0%
Meridian Bank Corporation $95,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $55,000 $95,000 72.7% 0.0%
The Juniata Valley Bank $95,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $95,000 n/a 0.0%
JLB CORPORATION $515,000 $85,000 -83.5% 0.0%
Northeast Equitable Mortgage, LLC $85,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $85,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $85,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $585,000 $75,000 -87.2% 0.0%
EMBRACE HOME LOANS, INC. $75,000 n/a 0.0%
FBC MORTGAGE, LLC $365,000 $75,000 -79.5% 0.0%
UTILITIES EMPLOYEES CREDIT UNION $75,000 n/a 0.0%
CBM Mortgage, Inc. $155,000 $65,000 -58.1% 0.0%
FIRST OHIO HOME FINANCE, INC. $65,000 n/a 0.0%
MEMBERS 1ST FEDERAL CREDIT UNION $135,000 $65,000 -51.9% 0.0%
TOWER $190,000 $65,000 -65.8% 0.0%
TRIAD FINANCIAL SERVICES, INC. $35,000 $60,000 71.4% 0.0%
Center City Mortgage and Investments LLC $55,000 n/a 0.0%
Fifth Third Bank $55,000 n/a 0.0%
FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION $340,000 $55,000 -83.8% 0.0%
State Department Federal Credit Union $45,000 n/a 0.0%
21ST MORTGAGE CORPORATION $95,000 $35,000 -63.2% 0.0%
HANSCOM $35,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%
POLICE & FIRE $25,000 n/a 0.0%
Standard Bank, PaSB $110,000 $15,000 -86.4% 0.0%
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED $15,000 n/a 0.0%

JOHNSTOWN's top lender by overall market share is 1st Summit Bank, with 11.3% market share. In second place, with 9.9%, is First Commonwealth Bank, having originated $37,605,000 in loans. In third place, with 9.7%, is First National Bank of Pennsylvania, having originated $36,680,000 in loans. In third place, with 6.5%, is QUICKEN LOANS, LLC, having originated $24,480,000 in loans. In third place, with 5.1%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $19,310,000 in loans.


JOHNSTOWN, PA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,292 $155,030,000 $119,992
Refi 1,187 $159,395,000 $134,284
Home Improvement 289 $14,195,000 $49,118
Cash Out Refi 279 $38,435,000 $137,760
Other 182 $10,520,000 $57,802
NA 1 $1,875,000 $1,875,000

Johnstown's most frequently cited loan purpose was Home Purchase, with 1,292 originations. The 2nd most popular reason was Refi, with 1,187 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 995 $122,185,000 $122,799
3-4% 841 $98,665,000 $117,319
<2.5% 620 $70,300,000 $113,387
4-5% 105 $8,915,000 $84,905
5-6% 19 $905,000 $47,632
Over 8% 4 $130,000 $32,500
6-7% 3 $105,000 $35,000

During 2021, Johnstown's most frequently originated rate bucket was 2.5-3%, with 995 originations.

Loan Sizing (JOHNSTOWN, PA MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 1,709 $96,635,000 $56,545
$100k-200k 1,096 $153,130,000 $139,717
$200k-400k 385 $100,545,000 $261,156
$400k-600k 29 $13,235,000 $456,379
$Over $1MM 7 $13,065,000 $1,866,429
$600k-1000k 4 $2,840,000 $710,000

JOHNSTOWN's loan sizing saw the bucket of loans from $100,000 or less with 1,709 originations, totaling $96,635,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,088 $144,340,000 $132,665
60-80% 703 $91,245,000 $129,794
40-60% 323 $36,145,000 $111,904
20-40% 239 $14,285,000 $59,770
Under 20% 158 $3,950,000 $25,000
Over 100% 18 $3,540,000 $196,667

JOHNSTOWN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,088 originations, totaling $144,340,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - JOHNSTOWN (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $74,900 (7.2%) $103,364 (-1.9%) 0.28 482
2018-02-01 $69,900 (1.7%) $97,860 (-4.7%) 0.25 460
2018-03-01 $69,900 (0.0%) $97,958 (-7.8%) 0.24 460
2018-04-01 $74,475 (3.4%) $102,698 (-2.0%) 0.25 471
2018-05-01 $74,900 (-0.1%) $106,068 (-2.7%) 0.25 499
2018-06-01 $79,900 (6.7%) $110,807 (1.5%) 0.27 536
2018-07-01 $79,900 (10.2%) $109,538 (0.8%) 0.27 555
2018-08-01 $77,450 (3.4%) $106,438 (-1.5%) 0.26 556
2018-09-01 $79,000 (9.7%) $109,058 (1.1%) 0.26 546
2018-10-01 $78,750 (5.1%) $110,445 (2.6%) 0.26 535
2018-11-01 $75,000 (0.1%) $109,773 (1.6%) 0.25 503
2018-12-01 $73,500 (0.7%) $106,399 (2.7%) 0.25 466
2019-01-01 $74,900 (0.0%) $109,340 (5.8%) 0.26 421
2019-02-01 $72,450 (3.7%) $109,092 (11.5%) 0.24 420
2019-03-01 $76,329 (9.2%) $114,117 (16.5%) 0.25 433
2019-04-01 $84,900 (14.0%) $124,067 (20.8%) 0.27 447
2019-05-01 $84,950 (13.4%) $126,113 (18.9%) 0.26 441
2019-06-01 $89,900 (12.5%) $126,142 (13.8%) 0.28 477
2019-07-01 $89,750 (12.3%) $123,603 (12.8%) 0.28 531
2019-08-01 $87,243 (12.6%) $122,127 (14.7%) 0.27 529
2019-09-01 $85,193 (7.8%) $121,628 (11.5%) 0.27 515
2019-10-01 $83,450 (6.0%) $119,917 (8.6%) 0.27 518
2019-11-01 $80,000 (6.7%) $115,767 (5.5%) 0.26 495
2019-12-01 $79,900 (8.7%) $111,173 (4.5%) 0.27 454
2020-01-01 $79,900 (6.7%) $111,429 (1.9%) 0.27 412
2020-02-01 $74,900 (3.4%) $101,327 (-7.1%) 0.24 392
2020-03-01 $75,925 (-0.5%) $105,594 (-7.5%) 0.24 397
2020-04-01 $77,700 (-8.5%) $107,677 (-13.2%) 0.24 361
2020-05-01 $79,000 (-7.0%) $109,768 (-13.0%) 0.24 333
2020-06-01 $79,950 (-11.1%) $114,267 (-9.4%) 0.23 321
2020-07-01 $79,950 (-10.9%) $113,976 (-7.8%) 0.23 315
2020-08-01 $89,000 (2.0%) $118,288 (-3.1%) 0.25 313
2020-09-01 $85,900 (0.8%) $119,003 (-2.2%) 0.25 281
2020-10-01 $75,900 (-9.1%) $115,136 (-4.0%) 0.22 271
2020-11-01 $79,900 (-0.1%) $116,028 (0.2%) 0.23 250
2020-12-01 $79,900 (0.0%) $116,368 (4.7%) 0.23 225
2021-01-01 $84,900 (6.3%) $112,593 (1.0%) 0.25 192
2021-02-01 $84,450 (12.8%) $116,818 (15.3%) 0.24 157
2021-03-01 $75,000 (-1.2%) $115,248 (9.1%) 0.21 149
2021-04-01 $75,000 (-3.5%) $109,349 (1.6%) 0.20 134
2021-05-01 $89,000 (12.7%) $135,295 (23.3%) 0.23 161
2021-06-01 $95,900 (20.0%) $151,513 (32.6%) 0.25 172
2021-07-01 $108,700 (36.0%) $153,357 (34.6%) 0.28 202
2021-08-01 $91,250 (2.5%) $138,757 (17.3%) 0.24 219
2021-09-01 $105,000 (22.2%) $139,285 (17.0%) 0.28 213
2021-10-01 $99,900 (31.6%) $134,880 (17.2%) 0.26 222
2021-11-01 $94,950 (18.8%) $137,120 (18.2%) 0.25 189
2021-12-01 $94,950 (18.8%) $137,117 (17.8%) 0.25 172
2022-01-01 $89,900 (5.9%) $135,875 (20.7%) 0.24 145
2022-02-01 $79,900 (-5.4%) $129,347 (10.7%) 0.20 129
2022-03-01 $79,950 (6.6%) $128,794 (11.8%) 0.20 124
2022-04-01 $85,000 (13.3%) $120,222 (9.9%) 0.20 143
2022-05-01 $92,200 (3.6%) $132,677 (-1.9%) 0.21 152
2022-06-01 $90,950 (-5.2%) $134,667 (-11.1%) 0.20 173
JOHNSTOWN's median listing price for 2022-06-01 was $90,950, a difference of $-4,950 (-5.2%) versus the prior year and $-1,250 versus the prior month.

JOHNSTOWN's median listing price comes in at 20% of the national average.

JOHNSTOWN's average listing price for 2022-06-01 was $134,667, a difference of $-16,846 (-11.1%) versus the prior year and $1,990 versus the prior month.

For the 2022-06-01 period, JOHNSTOWN had 173 MLS listings, a difference of 21 listings (14%) versus the prior month and 1 listings (1%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - JOHNSTOWN (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 141 days 1,515 sqft
2018-02-01 145 days 1,485 sqft
2018-03-01 144 days 1,496 sqft
2018-04-01 125 days 1,556 sqft
2018-05-01 85 days 1,564 sqft
2018-06-01 74 days 1,560 sqft
2018-07-01 80 days 1,560 sqft
2018-08-01 84 days 1,542 sqft
2018-09-01 94 days 1,556 sqft
2018-10-01 98 days 1,560 sqft
2018-11-01 107 days 1,536 sqft
2018-12-01 120 days 1,536 sqft
2019-01-01 128 days 1,555 sqft
2019-02-01 133 days 1,554 sqft
2019-03-01 135 days 1,580 sqft
2019-04-01 93 days 1,626 sqft
2019-05-01 76 days 1,626 sqft
2019-06-01 75 days 1,622 sqft
2019-07-01 76 days 1,597 sqft
2019-08-01 80 days 1,598 sqft
2019-09-01 89 days 1,618 sqft
2019-10-01 93 days 1,580 sqft
2019-11-01 93 days 1,584 sqft
2019-12-01 102 days 1,569 sqft
2020-01-01 115 days 1,532 sqft
2020-02-01 126 days 1,480 sqft
2020-03-01 127 days 1,460 sqft
2020-04-01 136 days 1,446 sqft
2020-05-01 144 days 1,474 sqft
2020-06-01 117 days 1,526 sqft
2020-07-01 73 days 1,468 sqft
2020-08-01 72 days 1,500 sqft
2020-09-01 83 days 1,443 sqft
2020-10-01 77 days 1,450 sqft
2020-11-01 83 days 1,447 sqft
2020-12-01 100 days 1,500 sqft
2021-01-01 109 days 1,550 sqft
2021-02-01 110 days 1,534 sqft
2021-03-01 108 days 1,391 sqft
2021-04-01 78 days 1,394 sqft
2021-05-01 41 days 1,464 sqft
2021-06-01 40 days 1,594 sqft
2021-07-01 45 days 1,580 sqft
2021-08-01 47 days 1,557 sqft
2021-09-01 52 days 1,533 sqft
2021-10-01 57 days 1,488 sqft
2021-11-01 62 days 1,497 sqft
2021-12-01 71 days 1,530 sqft
2022-01-01 87 days 1,564 sqft
2022-02-01 89 days 1,520 sqft
2022-03-01 62 days 1,550 sqft
2022-04-01 45 days 1,548 sqft
2022-05-01 50 days 1,556 sqft
2022-06-01 39 days 1,550 sqft
JOHNSTOWN's median listing age (time on market) for 2022-06-01 was 39 days. This is -3% shorter than the same period one year ago.

JOHNSTOWN's median square footage for active listings during the 2022-06-01 period was 1,550 sqft. One year prior, the average listing was 1,594 sqft.