Lock Haven Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Lock Haven averaged 6.72% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 6.97% and one month ago for the week of 2025-04-17, the average rate was 6.79%.

    Lock Haven's average rate one year ago was 6.78%.

    For refis of the same type during the week of 2025-05-22, the average rate was 7.26%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Lock Haven 30 Year Fixed Rate 2025-05-22 6.72%
    Lock Haven 30 Year Fixed Rate Refi 2025-05-22 7.26%
    Lock Haven 15 Year Fixed Rate 2025-05-22 5.81%
    Lock Haven 15 Year Fixed Rate Refi 2025-05-22 6.41%
    Lock Haven 30 Year FHA 2025-05-22 6.41%
    Lock Haven 30 Year FHA Refi 2025-05-22 6.71%
    Lock Haven 30 Year USDA 2025-05-22 6.43%
    Lock Haven 30 Year USDA Refi 2025-05-22 6.43%
    Lock Haven 30 Year VA 2025-05-22 6.42%
    Lock Haven 30 Year VA Refi 2025-05-22 6.72%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Lock Haven, PA.

    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.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    First Columbia Bank & Trust Co. 18 6.74% $3,655
    Century Mortgage Company DBA Century Lending Company 10 7.01% $6,267
    Jersey Shore State Bank 7 6.91% $4,799
    PRIMELENDING, A PLAINSCAPITAL COMPANY 7 6.62% $5,119
    PENNSYLVANIA STATE EMPLOYEES Credit Union 6 6.21% $2,667
    HORIZON Federal Credit Union 5 6.75% $4,441
    QUICKEN LOANS, LLC 5 6.72% $6,768
    LOANDEPOT.COM, LLC 4 6.66% $6,412
    M&T Bank 3 6.50% $4,232
    PENNYMAC LOAN SERVICES, LLC 3 6.87% $4,727
    BROKER SOLUTIONS, INC. 3 7.29% $5,272
    GUILD MORTGAGE COMPANY 3 6.88% $5,529
    MidAtlantic Farm Credit, ACA 3 6.88% $5,813
    Flagstar Bank, FSB 3 7.04% $4,661
    UNITED WHOLESALE MORTGAGE, LLC 2 7.31% $4,301
    CROSSCOUNTRY MORTGAGE, LLC 2 6.38% $5,559
    First Commonwealth Bank 2 6.25% $4,660
    FIRST COMMUNITY MORTGAGE, INC. 2 7.13% $6,509
    First National Bank of Pennsylvania 2 6.75% $5,051
    HOMESIDE FINANCIAL, LLC 2 6.88% $7,171
    NAVY FEDERAL CREDIT UNION 2 7.38% $4,179
    Fulton Bank 1 6.63% $13,214
    MEMBER FIRST MORTGAGE, LLC 1 6.50% $10,444
    First Federal Bank 1 6.75% $3,580
    Mr. Cooper ( Nationstar Mortgage ) 1 7.49% $5,865
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $5,365
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 7.88% $4,336
    Northwest Bank 1 7.63% $4,308
    EQUITY RESOURCES, INC. 1 6.63% $3,610
    CORNING 1 6.63% $4,436
    PNC Bank 1 7.25% $6,732
    Citizens & Northern Bank 1 7.38% $4,101
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.63% $4,367
    Blue Ridge Bank 1 6.63% $4,655
    ROYAL UNITED MORTGAGE LLC 1 7.25% $5,889
    Sunflower Bank 1 6.88% $3,852
    Truist 1 6.60% $4,567
    Kish Bank 1 6.00% $4,159

    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 Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Lock Haven (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 $155,000 (8.0%) $183,913 (10.0%) 0.00 120
    2018-02-01 $152,075 (1.6%) $180,294 (-9.1%) 0.00 120
    2018-03-01 $153,100 (8.4%) $182,771 (-0.9%) 0.00 115
    2018-04-01 $153,000 (1.4%) $186,627 (-0.8%) 0.00 120
    2018-05-01 $152,000 (-0.3%) $187,046 (-2.7%) 0.00 128
    2018-06-01 $139,900 (-14.9%) $182,821 (-10.7%) 0.00 138
    2018-07-01 $149,600 (-7.9%) $186,681 (-9.4%) 0.00 138
    2018-08-01 $147,500 (-1.6%) $183,456 (-8.0%) 0.00 140
    2018-09-01 $140,000 (-6.6%) $176,351 (-3.8%) 0.00 142
    2018-10-01 $139,900 (-12.0%) $178,033 (-6.9%) 0.00 150
    2018-11-01 $139,600 (-7.3%) $175,716 (-7.6%) 0.00 156
    2018-12-01 $134,900 (-10.1%) $166,477 (-8.4%) 0.00 147
    2019-01-01 $133,200 (-14.1%) $174,248 (-5.3%) 0.00 131
    2019-02-01 $139,700 (-8.1%) $180,613 (0.2%) 0.00 122
    2019-03-01 $136,686 (-10.7%) $181,008 (-1.0%) 0.00 112
    2019-04-01 $134,186 (-12.3%) $175,993 (-5.7%) 0.00 111
    2019-05-01 $138,800 (-8.7%) $181,545 (-2.9%) 0.00 122
    2019-06-01 $145,900 (4.3%) $198,086 (8.4%) 0.00 122
    2019-07-01 $142,400 (-4.8%) $195,180 (4.6%) 0.00 130
    2019-08-01 $140,364 (-4.8%) $191,034 (4.1%) 0.00 142
    2019-09-01 $142,409 (1.7%) $187,029 (6.1%) 0.00 142
    2019-10-01 $144,250 (3.1%) $185,966 (4.5%) 0.00 141
    2019-11-01 $139,900 (0.2%) $187,726 (6.8%) 0.00 133
    2019-12-01 $139,900 (3.7%) $181,327 (8.9%) 0.00 120
    2020-01-01 $137,000 (2.9%) $178,028 (2.2%) 0.00 114
    2020-02-01 $123,000 (-12.0%) $170,096 (-5.8%) 0.00 109
    2020-03-01 $129,675 (-5.1%) $166,942 (-7.8%) 0.00 103
    2020-04-01 $129,900 (-3.2%) $166,011 (-5.7%) 0.00 100
    2020-05-01 $130,000 (-6.3%) $170,191 (-6.3%) 0.00 97
    2020-06-01 $140,950 (-3.4%) $188,904 (-4.6%) 0.00 99
    2020-07-01 $139,900 (-1.8%) $185,513 (-5.0%) 0.00 102
    2020-08-01 $149,000 (6.2%) $188,611 (-1.3%) 0.00 97
    2020-09-01 $128,972 (-9.4%) $170,783 (-8.7%) 0.00 91
    2020-10-01 $127,450 (-11.7%) $164,741 (-11.4%) 0.00 88
    2020-11-01 $139,900 (0.0%) $176,047 (-6.2%) 0.00 91
    2020-12-01 $144,900 (3.6%) $177,373 (-2.2%) 0.00 81
    2021-01-01 $139,200 (1.6%) $190,172 (6.8%) 0.00 60
    2021-02-01 $147,400 (19.8%) $203,643 (19.7%) 0.00 56
    2021-03-01 $148,650 (14.6%) $195,282 (17.0%) 0.00 52
    2021-04-01 $162,450 (25.1%) $202,265 (21.8%) 0.00 45
    2021-05-01 $199,950 (53.8%) $225,188 (32.3%) 0.00 38
    2021-06-01 $206,950 (46.8%) $229,689 (21.6%) 0.00 50
    2021-07-01 $189,000 (35.1%) $226,024 (21.8%) 0.00 53
    2021-08-01 $174,900 (17.4%) $228,364 (21.1%) 0.00 61
    2021-09-01 $165,975 (28.7%) $230,228 (34.8%) 0.00 61
    2021-10-01 $179,900 (41.2%) $239,014 (45.1%) 0.00 64
    2021-11-01 $160,875 (15.0%) $216,099 (22.8%) 0.00 63
    2021-12-01 $152,450 (5.2%) $208,626 (17.6%) 0.00 56
    2022-01-01 $149,900 (7.7%) $204,646 (7.6%) 0.00 49
    2022-02-01 $146,300 (-0.8%) $204,377 (0.4%) 0.00 48
    2022-03-01 $169,900 (14.3%) $231,483 (18.5%) 0.00 44
    2022-04-01 $175,000 (7.7%) $223,044 (10.3%) 0.00 41
    2022-05-01 $196,500 (-1.7%) $242,829 (7.8%) 0.00 49
    2022-06-01 $184,925 (-10.6%) $248,436 (8.2%) 0.00 47
    2022-07-01 $189,950 (0.5%) $264,463 (17.0%) 0.00 57
    2022-08-01 $191,575 (9.5%) $259,482 (13.6%) 0.00 63
    2022-09-01 $183,100 (10.3%) $249,963 (8.6%) 0.00 65
    2022-10-01 $204,250 (13.5%) $254,318 (6.4%) 0.00 52
    2022-11-01 $200,250 (24.5%) $259,373 (20.0%) 0.00 56
    2022-12-01 $195,500 (28.2%) $257,905 (23.6%) 0.00 48
    2023-01-01 $172,450 (15.0%) $251,001 (22.7%) 0.00 38
    2023-02-01 $173,625 (18.7%) $247,013 (20.9%) 0.00 40
    2023-03-01 $200,900 (18.3%) $263,198 (13.7%) 0.00 35
    2023-04-01 $205,200 (17.3%) $252,055 (13.0%) 0.00 43
    2023-05-01 $199,675 (1.6%) $224,384 (-7.6%) 0.00 43
    2023-06-01 $199,925 (8.1%) $218,305 (-12.1%) 0.00 46
    2023-07-01 $199,900 (5.2%) $232,938 (-11.9%) 0.00 47
    2023-08-01 $236,150 (23.3%) $273,116 (5.3%) 0.00 49
    2023-09-01 $238,600 (30.3%) $299,861 (20.0%) 0.00 56
    2023-10-01 $239,700 (17.4%) $303,449 (19.3%) 0.00 56
    2023-11-01 $219,900 (9.8%) $274,686 (5.9%) 0.00 61
    2023-12-01 $199,000 (1.8%) $252,783 (-2.0%) 0.00 58
    2024-01-01 $193,425 (12.2%) $245,972 (-2.0%) 0.00 54
    2024-02-01 $207,400 (19.5%) $272,239 (10.2%) 0.00 49
    2024-03-01 $190,000 (-5.4%) $255,818 (-2.8%) 0.00 54
    2024-04-01 $184,950 (-9.9%) $253,094 (0.4%) 0.00 52
    2024-05-01 $200,925 (0.6%) $264,145 (17.7%) 0.00 60
    2024-06-01 $224,950 (12.5%) $268,246 (22.9%) 0.00 54
    2024-07-01 $249,900 (25.0%) $288,741 (24.0%) 0.00 53
    2024-08-01 $249,995 (5.9%) $318,849 (16.7%) 0.00 70
    2024-09-01 $245,000 (2.7%) $302,344 (0.8%) 0.00 88
    2024-10-01 $242,000 (1.0%) $272,844 (-10.1%) 0.00 87
    2024-11-01 $229,900 (4.6%) $262,999 (-4.3%) 0.00 82
    2024-12-01 $228,999 (15.1%) $251,499 (-0.5%) 0.00 68
    2025-01-01 $232,400 (20.2%) $252,518 (2.7%) 0.00 58
    2025-02-01 $223,725 (7.9%) $257,413 (-5.5%) 0.00 62
    2025-03-01 $225,000 (18.4%) $253,217 (-1.0%) 0.00 69
    2025-04-01 $245,000 (32.5%) $268,861 (6.2%) 0.00 70
    Lock Haven's median listing price for 2025-04-01 was $245,000, a difference of $60,050 (32.5%) versus the prior year and $20,000 versus the prior month.

    Lock Haven's median listing price comes in at 0% of the national average.

    Lock Haven's average listing price for 2025-04-01 was $268,861, a difference of $15,767 (6.2%) versus the prior year and $15,644 versus the prior month.

    For the 2025-04-01 period, Lock Haven had 70 MLS listings, a difference of 1 listings (1%) versus the prior month and 18 listings (35%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Lock Haven (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,917 sqft
    2018-02-01 0 days 1,793 sqft
    2018-03-01 0 days 1,589 sqft
    2018-04-01 0 days 1,678 sqft
    2018-05-01 0 days 1,761 sqft
    2018-06-01 0 days 1,768 sqft
    2018-07-01 0 days 1,756 sqft
    2018-08-01 0 days 1,817 sqft
    2018-09-01 0 days 1,761 sqft
    2018-10-01 0 days 1,785 sqft
    2018-11-01 0 days 1,799 sqft
    2018-12-01 0 days 1,761 sqft
    2019-01-01 0 days 1,758 sqft
    2019-02-01 0 days 1,760 sqft
    2019-03-01 0 days 1,743 sqft
    2019-04-01 0 days 1,725 sqft
    2019-05-01 0 days 1,754 sqft
    2019-06-01 0 days 1,800 sqft
    2019-07-01 0 days 1,716 sqft
    2019-08-01 0 days 1,679 sqft
    2019-09-01 0 days 1,651 sqft
    2019-10-01 0 days 1,646 sqft
    2019-11-01 0 days 1,640 sqft
    2019-12-01 0 days 1,639 sqft
    2020-01-01 0 days 1,635 sqft
    2020-02-01 0 days 1,608 sqft
    2020-03-01 0 days 1,646 sqft
    2020-04-01 0 days 1,681 sqft
    2020-05-01 0 days 1,660 sqft
    2020-06-01 0 days 1,662 sqft
    2020-07-01 0 days 1,701 sqft
    2020-08-01 0 days 1,723 sqft
    2020-09-01 0 days 1,643 sqft
    2020-10-01 0 days 1,646 sqft
    2020-11-01 0 days 1,696 sqft
    2020-12-01 0 days 1,815 sqft
    2021-01-01 0 days 1,780 sqft
    2021-02-01 0 days 1,807 sqft
    2021-03-01 0 days 1,789 sqft
    2021-04-01 0 days 1,807 sqft
    2021-05-01 0 days 1,800 sqft
    2021-06-01 0 days 1,870 sqft
    2021-07-01 0 days 1,750 sqft
    2021-08-01 0 days 1,809 sqft
    2021-09-01 0 days 1,803 sqft
    2021-10-01 0 days 1,862 sqft
    2021-11-01 0 days 1,764 sqft
    2021-12-01 0 days 1,776 sqft
    2022-01-01 0 days 1,660 sqft
    2022-02-01 0 days 1,652 sqft
    2022-03-01 0 days 1,759 sqft
    2022-04-01 0 days 1,644 sqft
    2022-05-01 0 days 1,742 sqft
    2022-06-01 0 days 1,751 sqft
    2022-07-01 0 days 1,840 sqft
    2022-08-01 0 days 1,758 sqft
    2022-09-01 0 days 1,734 sqft
    2022-10-01 0 days 1,729 sqft
    2022-11-01 0 days 1,722 sqft
    2022-12-01 0 days 1,781 sqft
    2023-01-01 0 days 1,667 sqft
    2023-02-01 0 days 1,728 sqft
    2023-03-01 0 days 1,729 sqft
    2023-04-01 0 days 1,763 sqft
    2023-05-01 0 days 1,692 sqft
    2023-06-01 0 days 1,746 sqft
    2023-07-01 0 days 1,729 sqft
    2023-08-01 0 days 1,756 sqft
    2023-09-01 0 days 1,755 sqft
    2023-10-01 0 days 1,887 sqft
    2023-11-01 0 days 1,789 sqft
    2023-12-01 0 days 1,741 sqft
    2024-01-01 0 days 1,692 sqft
    2024-02-01 0 days 1,692 sqft
    2024-03-01 0 days 1,687 sqft
    2024-04-01 0 days 1,696 sqft
    2024-05-01 0 days 1,789 sqft
    2024-06-01 0 days 1,725 sqft
    2024-07-01 0 days 1,844 sqft
    2024-08-01 0 days 1,926 sqft
    2024-09-01 0 days 1,819 sqft
    2024-10-01 0 days 1,765 sqft
    2024-11-01 0 days 1,722 sqft
    2024-12-01 0 days 1,689 sqft
    2025-01-01 0 days 1,676 sqft
    2025-02-01 0 days 1,612 sqft
    2025-03-01 0 days 1,602 sqft
    2025-04-01 0 days 1,720 sqft
    Lock Haven's median listing age (time on market) for 2025-04-01 was 0 days.

    Lock Haven's median square footage for active listings during the 2025-04-01 period was 1,720 sqft. One year prior, the average listing was 1,696 sqft.

    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.