Lewistown Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Lewistown averaged
6.69%
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
7.02% and
one month ago for the week of 2025-05-15, the
average rate was 6.69%.
Lewistown's average rate one year ago was 7.13%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Lewistown 30 Year Fixed Rate | 2025-06-18 | 6.69% |
| Lewistown 30 Year Fixed Rate Refi | 2025-06-18 | 6.81% |
| Lewistown 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Lewistown 15 Year Fixed Rate Refi | 2025-06-18 | 5.86% |
| Lewistown 30 Year FHA | 2025-06-18 | -0.2% |
| Lewistown 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Lewistown 30 Year USDA | 2025-06-18 | -0.2% |
| Lewistown 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Lewistown 30 Year VA | 2025-06-18 | 0% |
| Lewistown 30 Year VA Refi | 2025-06-18 | -0.2% |
Lewistown 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 Lewistown, 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.).
Lewistown Average Closing Costs & Other Stats
Lewistown, PA's 41 lenders originated 773
loans during 2024. The total origination value was $97,485,000, with an average loan value of
$126,113.
Lewistown's average closing costs are $4,796.
The top Lewistown lender as defined by loan originations is Kish Bank, with
42 loans originated. Their average total fees are
$4,130, which is $1,678
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Lewistown lenders (with over 10 loans originated) are
PENNSYLVANIA STATE EMPLOYEES Credit Union ($2,343), Kish Bank ($4,130), QUICKEN LOANS, LLC ($5,807), FIRST COMMUNITY MORTGAGE, INC. ($6,537) and .
The lowest rate Lewistown lenders (with over 10 loans originated) are
Kish Bank (6.45%), FIRST COMMUNITY MORTGAGE, INC. (6.75%), PENNSYLVANIA STATE EMPLOYEES Credit Union (6.81%), QUICKEN LOANS, LLC (6.93%) and .
Lewistown, 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 |
|---|---|---|---|---|
| Kish Bank | $27,485,000 | $25,270,000 | -8.1% | 25.9% |
| QUICKEN LOANS, LLC | $7,460,000 | $8,660,000 | 16.1% | 8.9% |
| The Juniata Valley Bank | $6,695,000 | $6,460,000 | -3.5% | 6.6% |
| First National Bank of Pennsylvania | $3,760,000 | $5,545,000 | 47.5% | 5.7% |
| FIRST COMMUNITY MORTGAGE, INC. | $85,000 | $4,155,000 | 4,788.2% | 4.3% |
| Mortgage Research Center, LLC | $2,455,000 | $4,085,000 | 66.4% | 4.2% |
| Equity Prime Mortgage LLC | $1,815,000 | $4,015,000 | 121.2% | 4.1% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $2,965,000 | $3,890,000 | 31.2% | 4.0% |
| MidAtlantic Farm Credit, ACA | $665,000 | $2,820,000 | 324.1% | 2.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $3,570,000 | $2,345,000 | -34.3% | 2.4% |
| FREEDOM MORTGAGE CORPORATION | $220,000 | $1,725,000 | 684.1% | 1.8% |
| NAVY FEDERAL CREDIT UNION | $685,000 | $1,325,000 | 93.4% | 1.4% |
| Community State Bank of Orbisonia | $1,045,000 | $1,305,000 | 24.9% | 1.3% |
| Citizens Bank | $2,700,000 | $1,150,000 | -57.4% | 1.2% |
| TIDEWATER MORTGAGE SERVICES, INC. | $960,000 | $1,030,000 | 7.3% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $405,000 | $925,000 | 128.4% | 0.9% |
| Mid Penn Bank | $910,000 | n/a | 0.9% | |
| Flagstar Bank, FSB | $465,000 | $810,000 | 74.2% | 0.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $700,000 | $805,000 | 15.0% | 0.8% |
| Fulton Bank | $295,000 | $800,000 | 171.2% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,160,000 | $750,000 | -35.3% | 0.8% |
| LOANDEPOT.COM, LLC | $285,000 | $745,000 | 161.4% | 0.8% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $1,085,000 | $740,000 | -31.8% | 0.8% |
| Jersey Shore State Bank | $1,110,000 | $735,000 | -33.8% | 0.8% |
| AMERISAVE MORTGAGE CORPORATION | $145,000 | $685,000 | 372.4% | 0.7% |
| EVERENCE FEDERAL CREDIT UNION | $955,000 | $685,000 | -28.3% | 0.7% |
| Northwest Bank | $910,000 | $650,000 | -28.6% | 0.7% |
| Discover Bank | $555,000 | $635,000 | 14.4% | 0.7% |
| Susquehanna Community Bank | $545,000 | n/a | 0.6% | |
| PNC Bank | $125,000 | $540,000 | 332.0% | 0.6% |
| NEW DAY FINANCIAL, LLC | $485,000 | $525,000 | 8.2% | 0.5% |
| ZILLOW HOME LOANS, LLC | $505,000 | $500,000 | -1.0% | 0.5% |
| First Citizens Community Bank | $480,000 | n/a | 0.5% | |
| Wells Fargo Bank | $615,000 | $445,000 | -27.6% | 0.5% |
| PLANET HOME LENDING, LLC | $440,000 | n/a | 0.5% | |
| MOVEMENT MORTGAGE, LLC | $425,000 | n/a | 0.4% | |
| USAA Federal Savings Bank | $390,000 | n/a | 0.4% | |
| ROYAL UNITED MORTGAGE LLC | $610,000 | $375,000 | -38.5% | 0.4% |
| ALLIED MORTGAGE GROUP, INC. | $350,000 | n/a | 0.4% | |
| JPMorgan Chase Bank | $290,000 | n/a | 0.3% | |
| M&T Bank | $240,000 | $290,000 | 20.8% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $520,000 | $280,000 | -46.2% | 0.3% |
| Truist | $265,000 | n/a | 0.3% | |
| The Loan Store, Inc. | $200,000 | $250,000 | 25.0% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $370,000 | $225,000 | -39.2% | 0.2% |
| BROKER SOLUTIONS, INC. | $365,000 | $220,000 | -39.7% | 0.2% |
| Access Bank | $215,000 | n/a | 0.2% | |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $215,000 | n/a | 0.2% | |
| Encompass Lending Group, LP | $215,000 | n/a | 0.2% | |
| The Federal Savings Bank | $215,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $215,000 | n/a | 0.2% | |
| Farmers and Merchants Trust Company of Chambersburg | $85,000 | $190,000 | 123.5% | 0.2% |
| Carrington Mortgage Services, LLC | $400,000 | $185,000 | -53.8% | 0.2% |
| CITADEL FEDERAL CREDIT UNION | $185,000 | n/a | 0.2% | |
| Plains Commerce Bank | $570,000 | $185,000 | -67.5% | 0.2% |
| AMERICAN HERITAGE FCU | $175,000 | n/a | 0.2% | |
| Figure Lending LLC | $175,000 | n/a | 0.2% | |
| NFM, INC. | $420,000 | $175,000 | -58.3% | 0.2% |
| RADIUS FINANCIAL GROUP INC. | $175,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $165,000 | n/a | 0.2% | |
| FIRST HERITAGE FINANCIAL, LLC | $165,000 | n/a | 0.2% | |
| AmeriServ Financial Bank | $105,000 | $155,000 | 47.6% | 0.2% |
| MEMBER FIRST MORTGAGE, LLC | $105,000 | $145,000 | 38.1% | 0.1% |
| MILEND, INC. | $145,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $145,000 | n/a | 0.1% | |
| Tompkins Trust Company | $145,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $135,000 | n/a | 0.1% | |
| First Columbia Bank & Trust Co. | $55,000 | $130,000 | 136.4% | 0.1% |
| Pennian Bank | $25,000 | $125,000 | 400.0% | 0.1% |
| Capital Bank | $115,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $110,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $95,000 | $105,000 | 10.5% | 0.1% |
| PHILADELPHIA | $105,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $85,000 | $105,000 | 23.5% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $100,000 | n/a | 0.1% | |
| Ally Bank | $305,000 | $95,000 | -68.9% | 0.1% |
| Homesale Mortgage, LLC | $165,000 | $95,000 | -42.4% | 0.1% |
| SERVICE 1ST | $90,000 | n/a | 0.1% | |
| Hometown Bank of Pennsylvania | $85,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $85,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $175,000 | $85,000 | -51.4% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $75,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $75,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $75,000 | n/a | 0.1% | |
| GUARANTEED RATE, INC. | $670,000 | $75,000 | -88.8% | 0.1% |
| LOANPAL, LLC | $140,000 | $75,000 | -46.4% | 0.1% |
| Univest Bank and Trust Co. | $200,000 | $75,000 | -62.5% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $45,000 | n/a | 0.0% | |
| Reliance Savings Bank | $595,000 | $45,000 | -92.4% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $45,000 | n/a | 0.0% | |
| HORIZON Federal Credit Union | $35,000 | n/a | 0.0% | |
| POLICE & FIRE | $35,000 | n/a | 0.0% | |
| Secured Investment Corp. | $35,000 | n/a | 0.0% |
Lewistown's top lender by overall market share is Kish Bank, with 25.9% market share. In second place, with 8.9%, is QUICKEN LOANS, LLC, having originated $8,660,000 in loans. In third place, with 6.6%, is The Juniata Valley Bank, having originated $6,460,000 in loans. In fourth place, with 5.7%, is First National Bank of Pennsylvania, having originated $5,545,000 in loans. In fifth place, with 4.3%, is FIRST COMMUNITY MORTGAGE, INC., having originated $4,155,000 in loans.
Lewistown, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 378 | $64,190,000 | $169,815 |
| Home Improvement | 150 | $8,090,000 | $53,933 |
| Cash Out Refi | 94 | $11,880,000 | $126,383 |
| Other | 85 | $5,845,000 | $68,765 |
| Refi | 66 | $7,480,000 | $113,333 |
Lewistown's most frequently cited loan purpose was Home Purchase, with 378 originations. The 2nd most popular reason was Home Improvement, with 150 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 291 | $43,875,000 | $150,773 |
| Over 8% | 192 | $14,630,000 | $76,198 |
| 7-8% | 149 | $19,425,000 | $130,369 |
| 5-6% | 64 | $10,920,000 | $170,625 |
| <2.5% | 6 | $480,000 | $80,000 |
| 4-5% | 2 | $290,000 | $145,000 |
| 3-4% | 1 | $155,000 | $155,000 |
| 2.5-3% | 1 | $185,000 | $185,000 |
During 2024, Lewistown's most frequently originated rate bucket was 6-7%, with 291 originations.
Loan Sizing (Lewistown, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 369 | $18,765,000 | $50,854 |
| $100k-200k | 271 | $39,475,000 | $145,664 |
| $200k-400k | 117 | $30,515,000 | $260,812 |
| $400k-600k | 11 | $5,325,000 | $484,091 |
| $600k-1000k | 5 | $3,405,000 | $681,000 |
Lewistown's loan sizing saw the bucket of loans from $100,000 or less with 369 originations, totaling $18,765,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 247 | $44,735,000 | $181,113 |
| 20-40% | 136 | $9,700,000 | $71,324 |
| 60-80% | 130 | $20,250,000 | $155,769 |
| Under 20% | 112 | $3,940,000 | $35,179 |
| 40-60% | 73 | $9,745,000 | $133,493 |
| Over 100% | 4 | $870,000 | $217,500 |
Lewistown's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 247 originations, totaling $44,735,000 in origination value.