Lock Haven Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Lock Haven averaged
6.43%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.93% and
one month ago for the week of 2025-05-29, the
average rate was 6.75%.
Lock Haven's average rate one year ago was 6.72%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.77%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Lock Haven 30 Year Fixed Rate | 2025-07-03 | 6.43% |
| Lock Haven 30 Year Fixed Rate Refi | 2025-07-03 | 6.77% |
| Lock Haven 15 Year Fixed Rate | 2025-07-03 | 5.9% |
| Lock Haven 15 Year Fixed Rate Refi | 2025-07-03 | 5.7% |
| Lock Haven 30 Year FHA | 2025-07-03 | 0.1% |
| Lock Haven 30 Year FHA Refi | 2025-07-03 | 0% |
| Lock Haven 30 Year USDA | 2025-07-03 | 0% |
| Lock Haven 30 Year USDA Refi | 2025-07-03 | 0.2% |
| Lock Haven 30 Year VA | 2025-07-03 | -0.2% |
| Lock Haven 30 Year VA Refi | 2025-07-03 | 0% |
Lock Haven 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 Lock Haven, 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.).
Lock Haven Average Closing Costs & Other Stats
Lock Haven, PA's 38 lenders originated 770
loans during 2024. The total origination value was $118,620,000, with an average loan value of
$154,052.
Lock Haven's average closing costs are $5,290.
The top Lock Haven lender as defined by loan originations is First Columbia Bank & Trust Co., with
18 loans originated. Their average total fees are
$3,655, which is $2,612
lower than the next largest lender,
Century Mortgage Company DBA Century Lending Company.
The lowest fee Lock Haven lenders (with over 10 loans originated) are
First Columbia Bank & Trust Co. ($3,655), Century Mortgage Company DBA Century Lending Company ($6,267), .
The lowest rate Lock Haven lenders (with over 10 loans originated) are
First Columbia Bank & Trust Co. (6.74%), Century Mortgage Company DBA Century Lending Company (7.01%), .
Lock Haven, 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 |
|---|---|---|---|---|
| Jersey Shore State Bank | $19,935,000 | $22,765,000 | 14.2% | 19.2% |
| First Columbia Bank & Trust Co. | $1,760,000 | $15,335,000 | 771.3% | 12.9% |
| ConnectOne Bank | $13,380,000 | n/a | 11.3% | |
| Century Mortgage Company DBA Century Lending Company | $6,095,000 | $9,090,000 | 49.1% | 7.7% |
| QUICKEN LOANS, LLC | $3,585,000 | $4,525,000 | 26.2% | 3.8% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $4,890,000 | $4,435,000 | -9.3% | 3.7% |
| First National Bank of Pennsylvania | $1,665,000 | $3,175,000 | 90.7% | 2.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,185,000 | $2,990,000 | 36.8% | 2.5% |
| Northwest Bank | $2,760,000 | $2,840,000 | 2.9% | 2.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,110,000 | $2,515,000 | -50.8% | 2.1% |
| HORIZON Federal Credit Union | $2,295,000 | $2,475,000 | 7.8% | 2.1% |
| Mortgage Research Center, LLC | $2,200,000 | $2,225,000 | 1.1% | 1.9% |
| NEWREZ LLC | $1,280,000 | $2,215,000 | 73.0% | 1.9% |
| Fulton Bank | $55,000 | $1,935,000 | 3,418.2% | 1.6% |
| Woodlands Bank | $2,220,000 | $1,930,000 | -13.1% | 1.6% |
| First Commonwealth Bank | $2,170,000 | $1,925,000 | -11.3% | 1.6% |
| MidAtlantic Farm Credit, ACA | $2,500,000 | $1,785,000 | -28.6% | 1.5% |
| Susquehanna Community Bank | $195,000 | $1,525,000 | 682.1% | 1.3% |
| PENNYMAC LOAN SERVICES, LLC | $570,000 | $1,450,000 | 154.4% | 1.2% |
| M&T Bank | $1,155,000 | $1,210,000 | 4.8% | 1.0% |
| GUILD MORTGAGE COMPANY | $1,465,000 | $1,175,000 | -19.8% | 1.0% |
| Flagstar Bank, FSB | $635,000 | $920,000 | 44.9% | 0.8% |
| Citizens & Northern Bank | $205,000 | $765,000 | 273.2% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $340,000 | $755,000 | 122.1% | 0.6% |
| Kish Bank | $135,000 | $740,000 | 448.1% | 0.6% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $735,000 | n/a | 0.6% | |
| Blue Ridge Bank | $425,000 | $710,000 | 67.1% | 0.6% |
| EVERENCE FEDERAL CREDIT UNION | $210,000 | $625,000 | 197.6% | 0.5% |
| HOMESIDE FINANCIAL, LLC | $175,000 | $605,000 | 245.7% | 0.5% |
| NEW DAY FINANCIAL, LLC | $605,000 | n/a | 0.5% | |
| NAVY FEDERAL CREDIT UNION | $105,000 | $595,000 | 466.7% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $390,000 | $565,000 | 44.9% | 0.5% |
| LOANDEPOT.COM, LLC | $755,000 | $560,000 | -25.8% | 0.5% |
| Equity Prime Mortgage LLC | $105,000 | $520,000 | 395.2% | 0.4% |
| Reliance Savings Bank | $470,000 | n/a | 0.4% | |
| The Ephrata National Bank | $165,000 | $445,000 | 169.7% | 0.4% |
| Truist | $85,000 | $440,000 | 417.6% | 0.4% |
| FIRST COMMUNITY MORTGAGE, INC. | $400,000 | n/a | 0.3% | |
| PNC Bank | $380,000 | n/a | 0.3% | |
| SERVICE 1ST | $125,000 | $380,000 | 204.0% | 0.3% |
| CORNING | $530,000 | $330,000 | -37.7% | 0.3% |
| MYCUMORTGAGE, LLC | $300,000 | $310,000 | 3.3% | 0.3% |
| ROYAL UNITED MORTGAGE LLC | $295,000 | $290,000 | -1.7% | 0.2% |
| Titan FCU | $405,000 | $265,000 | -34.6% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $260,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $145,000 | $255,000 | 75.9% | 0.2% |
| HomePromise Corporation | $255,000 | n/a | 0.2% | |
| MEMBER FIRST MORTGAGE, LLC | $255,000 | n/a | 0.2% | |
| JPMorgan Chase Bank | $705,000 | $245,000 | -65.2% | 0.2% |
| BROKER SOLUTIONS, INC. | $155,000 | $235,000 | 51.6% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $235,000 | n/a | 0.2% | |
| Farmers and Merchants Trust Company of Chambersburg | $225,000 | n/a | 0.2% | |
| Mid Penn Bank | $620,000 | $210,000 | -66.1% | 0.2% |
| Citibank | $205,000 | n/a | 0.2% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $560,000 | $205,000 | -63.4% | 0.2% |
| FIRST COLONY MORTGAGE CORPORATION | $195,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $195,000 | n/a | 0.2% | |
| Wilmington Savings Fund Society, FSB | $165,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $515,000 | $160,000 | -68.9% | 0.1% |
| FIRST HERITAGE FINANCIAL, LLC | $155,000 | n/a | 0.1% | |
| Citizens Bank | $965,000 | $150,000 | -84.5% | 0.1% |
| Prosperity Home Mortgage, LLC | $450,000 | $145,000 | -67.8% | 0.1% |
| Mifflinburg Bank and Trust Company | $840,000 | $140,000 | -83.3% | 0.1% |
| PLANET HOME LENDING, LLC | $135,000 | n/a | 0.1% | |
| The Juniata Valley Bank | $385,000 | $135,000 | -64.9% | 0.1% |
| EQUITY RESOURCES, INC. | $125,000 | n/a | 0.1% | |
| Sunflower Bank | $125,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $115,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $105,000 | n/a | 0.1% | |
| Ally Bank | $75,000 | n/a | 0.1% | |
| First Federal Bank | $75,000 | n/a | 0.1% | |
| U.S. Bank | $405,000 | $65,000 | -84.0% | 0.1% |
| Liberty Savings Bank, F.S.B. | $45,000 | n/a | 0.0% | |
| PALCO FEDERAL CREDIT UNION | $45,000 | $45,000 | 0.0% | 0.0% |
| Diamond Credit Union | $35,000 | n/a | 0.0% | |
| MEMBERS 1ST FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| ARC Federal Credit Union | $25,000 | n/a | 0.0% | |
| POLICE & FIRE | $25,000 | n/a | 0.0% | |
| Figure Lending LLC | $35,000 | $15,000 | -57.1% | 0.0% |
Lock Haven's top lender by overall market share is Jersey Shore State Bank, with 19.2% market share. In second place, with 12.9%, is First Columbia Bank & Trust Co., having originated $15,335,000 in loans. In third place, with 11.3%, is ConnectOne Bank, having originated $13,380,000 in loans. In fourth place, with 7.7%, is Century Mortgage Company DBA Century Lending Company, having originated $9,090,000 in loans. In fifth place, with 3.8%, is QUICKEN LOANS, LLC, having originated $4,525,000 in loans.
Lock Haven, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 352 | $66,670,000 | $189,403 |
| Refi | 139 | $30,965,000 | $222,770 |
| Home Improvement | 116 | $6,330,000 | $54,569 |
| Other | 112 | $7,420,000 | $66,250 |
| Cash Out Refi | 51 | $7,235,000 | $141,863 |
Lock Haven's most frequently cited loan purpose was Home Purchase, with 352 originations. The 2nd most popular reason was Refi, with 139 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 349 | $51,095,000 | $146,404 |
| 5-6% | 137 | $20,035,000 | $146,241 |
| 7-8% | 131 | $21,565,000 | $164,618 |
| Over 8% | 107 | $7,565,000 | $70,701 |
| <2.5% | 13 | $115,000 | $8,846 |
| 4-5% | 6 | $640,000 | $106,667 |
During 2024, Lock Haven's most frequently originated rate bucket was 6-7%, with 349 originations.
Loan Sizing (Lock Haven, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 345 | $16,365,000 | $47,435 |
| $100k-200k | 252 | $37,910,000 | $150,437 |
| $200k-400k | 155 | $40,345,000 | $260,290 |
| $400k-600k | 10 | $4,560,000 | $456,000 |
| $600k-1000k | 4 | $3,000,000 | $750,000 |
| $Over $1MM | 4 | $16,440,000 | $4,110,000 |
Lock Haven's loan sizing saw the bucket of loans from $100,000 or less with 345 originations, totaling $16,365,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 241 | $49,835,000 | $206,784 |
| Under 20% | 155 | $5,035,000 | $32,484 |
| 20-40% | 137 | $10,815,000 | $78,942 |
| 60-80% | 109 | $20,885,000 | $191,606 |
| 40-60% | 90 | $11,830,000 | $131,444 |
| Over 100% | 6 | $1,690,000 | $281,667 |
Lock Haven's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 241 originations, totaling $49,835,000 in origination value.