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 6.48% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

    The average rate for the prior week (2023-03-16) was 7.06% and one month ago for the week of 2023-02-16, the average rate was 6.68%.

    Lock Haven's average rate one year ago was 3.97%.

    For refis of the same type during the week of 2023-03-23, the average rate was 6.58%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-23 6.42%
    Lock Haven 30 Year Fixed Rate 2023-03-23 6.48%
    Lock Haven 30 Year Fixed Rate Refi 2023-03-23 6.58%
    Lock Haven 15 Year Fixed Rate 2023-03-23 6.9%
    Lock Haven 15 Year Fixed Rate Refi 2023-03-23 6.26%
    Lock Haven 30 Year FHA 2023-03-23 6.2%
    Lock Haven 30 Year FHA Refi 2023-03-23 6.19%
    Lock Haven 30 Year USDA 2023-03-23 5.9%
    Lock Haven 30 Year USDA Refi 2023-03-23 6.01%
    Lock Haven 30 Year VA 2023-03-23 5.88%
    Lock Haven 30 Year VA Refi 2023-03-23 5.67%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    The Muncy Bank and Trust Company 29 5.13% $2,586
    Century Mortgage Company DBA Century Lending Company 18 5.05% $4,317
    Jersey Shore State Bank 18 4.98% $4,282
    PRIMELENDING, A PLAINSCAPITAL COMPANY 14 5.28% $4,327
    PENNSYLVANIA STATE EMPLOYEES Credit Union 9 4.43% $2,358
    QUICKEN LOANS, LLC 9 4.18% $5,259
    HORIZON Federal Credit Union 8 4.72% $4,009
    First National Bank of Pennsylvania 6 5.00% $4,284
    Citizens Bank 5 4.58% $7,964
    Northwest Bank 4 3.97% $4,218
    UNITED WHOLESALE MORTGAGE, LLC 3 5.25% $6,909
    CALIBER HOME LOANS, INC. 3 4.81% $4,336
    First Commonwealth Bank 3 4.75% $3,721
    NAVY FEDERAL CREDIT UNION 2 3.75% $2,365
    M&T Bank 2 4.75% $5,844
    CHERRY CREEK MORTGAGE, LLC 2 4.75% $640
    FIRST HERITAGE FINANCIAL, LLC 2 4.38% $3,129
    Flagstar Bank, FSB 2 3.89% $6,027
    FREEDOM MORTGAGE CORPORATION 2 5.63% $7,384
    GUILD MORTGAGE COMPANY 2 5.00% $5,080
    Kish Bank 2 5.50% $3,845
    LOANDEPOT.COM, LLC 2 4.25% $6,810
    Truist 2 5.99% $7,332
    U.S. Bank 2 4.94% $3,396
    Wells Fargo Bank 2 4.94% $4,309
    AMERISAVE MORTGAGE CORPORATION 2 5.13% $7,988
    Mr. Cooper ( Nationstar Mortgage ) 2 4.18% $6,135
    ZILLOW HOME LOANS, LLC 1 6.63% $7,615
    BROKER SOLUTIONS, INC. 1 6.25% $5,005
    Carrington Mortgage Services, LLC 1 3.88% $7,397
    CHURCHILL MORTGAGE CORPORATION 1 6.63% $4,751
    Citizens & Northern Bank 1 4.25% $3,127
    CNB Bank 1 7.25% $3,088
    CROSSCOUNTRY MORTGAGE, LLC 1 4.50% $4,301
    DRAPER AND KRAMER MORTGAGE CORP. 1 4.75% $8,602
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 4.99% $4,861
    Fifth Third Bank 1 3.38% $4,500
    MICHIGAN MUTUAL, INC. 1 6.75% $6,478
    NBKC BANK 1 4.88% $3,910
    NEWREZ LLC 1 6.50% $3,648
    NEXERA HOLDING LLC 1 10.88% $9,123
    Prosperity Home Mortgage, LLC 1 3.38% $8,235
    Quontic Bank 1 6.38% $15,467
    ROYAL UNITED MORTGAGE LLC 1 4.63% $8,891
    Santander Bank, N.A. 1 3.63% $3,106
    Semper Home Loans, Inc. 1 5.25% $9,649
    SOFI LENDING CORP. 1 3.75% $3,967
    SOVEREIGN LENDING GROUP INCORPORATED 1 7.00% $8,761
    State Financial Network, LLC 1 3.63% $3,966
    The Ephrata National Bank 1 4.63% $6,907
    The Huntington National Bank 1 6.63% $3,918

    Lock Haven Average Closing Costs & Other Stats

    Lock Haven, PA's 51 lenders originated 1,057 loans during 2022. The total origination value was $139,205,000, with an average loan value of $131,698.

    Lock Haven's average closing costs are $5,014.

    The top Lock Haven lender as defined by loan originations is The Muncy Bank and Trust Company, with 29 loans originated. Their average total fees are $2,586, which is $1,732 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 The Muncy Bank and Trust Company ($2,586), Jersey Shore State Bank ($4,282), Century Mortgage Company DBA Century Lending Company ($4,317), PRIMELENDING, A PLAINSCAPITAL COMPANY ($4,327) and .

    The lowest rate Lock Haven lenders (with over 10 loans originated) are Jersey Shore State Bank (4.98%), Century Mortgage Company DBA Century Lending Company (5.05%), The Muncy Bank and Trust Company (5.13%), PRIMELENDING, A PLAINSCAPITAL COMPANY (5.28%) and .

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    Jersey Shore State Bank $26,215,000 $28,735,000 9.6% 20.6%
    The Muncy Bank and Trust Company $11,370,000 $19,390,000 70.5% 13.9%
    Century Mortgage Company DBA Century Lending Company $2,460,000 $7,730,000 214.2% 5.6%
    First National Bank of Pennsylvania $5,050,000 $7,360,000 45.7% 5.3%
    First Commonwealth Bank $10,695,000 $7,140,000 -33.2% 5.1%
    QUICKEN LOANS, LLC $17,100,000 $5,275,000 -69.2% 3.8%
    PENNSYLVANIA STATE EMPLOYEES Credit Union $5,305,000 $5,030,000 -5.2% 3.6%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $5,375,000 $4,640,000 -13.7% 3.3%
    Woodlands Bank $7,220,000 $4,465,000 -38.2% 3.2%
    HORIZON Federal Credit Union $8,680,000 $4,360,000 -49.8% 3.1%
    Northwest Bank $6,790,000 $3,935,000 -42.0% 2.8%
    Mortgage Research Center, LLC $555,000 $3,745,000 574.8% 2.7%
    CALIBER HOME LOANS, INC. $2,220,000 $2,605,000 17.3% 1.9%
    M&T Bank $4,625,000 $1,860,000 -59.8% 1.3%
    FREEDOM MORTGAGE CORPORATION $6,505,000 $1,665,000 -74.4% 1.2%
    Kish Bank $915,000 $1,515,000 65.6% 1.1%
    Citizens Bank $2,505,000 $1,425,000 -43.1% 1.0%
    MidAtlantic Farm Credit, ACA $1,145,000 n/a 0.8%
    LOANDEPOT.COM, LLC $3,205,000 $1,000,000 -68.8% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $1,345,000 $965,000 -28.3% 0.7%
    Wells Fargo Bank $2,035,000 $915,000 -55.0% 0.7%
    GUILD MORTGAGE COMPANY $865,000 n/a 0.6%
    Mifflinburg Bank and Trust Company $290,000 $815,000 181.0% 0.6%
    NAVY FEDERAL CREDIT UNION $655,000 $785,000 19.8% 0.6%
    NEWREZ LLC $2,110,000 $770,000 -63.5% 0.6%
    AMERICAN FINANCING CORPORATION $760,000 n/a 0.5%
    CHERRY CREEK MORTGAGE, LLC $745,000 n/a 0.5%
    PNC Bank $720,000 $710,000 -1.4% 0.5%
    U.S. Bank $135,000 $685,000 407.4% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $420,000 $665,000 58.3% 0.5%
    UNITED WHOLESALE MORTGAGE, LLC $1,550,000 $655,000 -57.7% 0.5%
    AMERISAVE MORTGAGE CORPORATION $1,585,000 $645,000 -59.3% 0.5%
    Truist $145,000 $635,000 337.9% 0.5%
    Carrington Mortgage Services, LLC $485,000 $625,000 28.9% 0.4%
    MYCUMORTGAGE, LLC $860,000 $600,000 -30.2% 0.4%
    Blue Ridge Bank $400,000 $575,000 43.8% 0.4%
    FIRST HERITAGE FINANCIAL, LLC $55,000 $515,000 836.4% 0.4%
    USAA Federal Savings Bank $135,000 $515,000 281.5% 0.4%
    LOANPAL, LLC $235,000 $495,000 110.6% 0.4%
    Equity Prime Mortgage LLC $145,000 $490,000 237.9% 0.4%
    BROKER SOLUTIONS, INC. $6,750,000 $460,000 -93.2% 0.3%
    The Ephrata National Bank $340,000 $435,000 27.9% 0.3%
    ALLIED MORTGAGE GROUP, INC. $1,010,000 $430,000 -57.4% 0.3%
    Flagstar Bank, FSB $125,000 $390,000 212.0% 0.3%
    York Traditions Bank $355,000 n/a 0.3%
    Reliance Savings Bank $720,000 $350,000 -51.4% 0.3%
    First Columbia Bank & Trust Co. $345,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $305,000 $345,000 13.1% 0.2%
    Prosperity Home Mortgage, LLC $335,000 n/a 0.2%
    NBKC BANK $305,000 n/a 0.2%
    HOMESIDE FINANCIAL, LLC $635,000 $295,000 -53.5% 0.2%
    Mid Penn Bank $115,000 $290,000 152.2% 0.2%
    HOME POINT FINANCIAL CORPORATION $780,000 $270,000 -65.4% 0.2%
    Quontic Bank $265,000 n/a 0.2%
    The Huntington National Bank $200,000 $265,000 32.5% 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $505,000 $260,000 -48.5% 0.2%
    First Citizens Community Bank $1,085,000 $250,000 -77.0% 0.2%
    Citizens & Northern Bank $605,000 $245,000 -59.5% 0.2%
    State Financial Network, LLC $245,000 n/a 0.2%
    NEXERA HOLDING LLC $235,000 n/a 0.2%
    CFSBANK $265,000 $215,000 -18.9% 0.2%
    CNB Bank $175,000 $215,000 22.9% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $660,000 $205,000 -68.9% 0.1%
    DRAPER AND KRAMER MORTGAGE CORP. $195,000 n/a 0.1%
    FINANCE OF AMERICA MORTGAGE LLC $1,110,000 $195,000 -82.4% 0.1%
    Semper Home Loans, Inc. $185,000 n/a 0.1%
    Susquehanna Community Bank $125,000 $185,000 48.0% 0.1%
    APCI Federal Credit Union $175,000 n/a 0.1%
    CLEARPATH LENDING $280,000 $165,000 -41.1% 0.1%
    CHURCHILL MORTGAGE CORPORATION $155,000 n/a 0.1%
    DEVELOPER'S MORTGAGE COMPANY $155,000 n/a 0.1%
    UTILITIES EMPLOYEES CREDIT UNION $155,000 n/a 0.1%
    MICHIGAN MUTUAL, INC. $245,000 $145,000 -40.8% 0.1%
    NORWICH COMMERCIAL GROUP, INC. $145,000 n/a 0.1%
    SOVEREIGN LENDING GROUP INCORPORATED $145,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $145,000 n/a 0.1%
    Ally Bank $145,000 $135,000 -6.9% 0.1%
    RELIANCE FIRST CAPITAL, LLC $135,000 n/a 0.1%
    STEARNS LENDING, LLC $2,425,000 $125,000 -94.8% 0.1%
    OCEANSIDE MORTGAGE COMPANY $105,000 $115,000 9.5% 0.1%
    PENNYMAC LOAN SERVICES, LLC $1,430,000 $115,000 -92.0% 0.1%
    SOFI LENDING CORP. $235,000 $115,000 -51.1% 0.1%
    AMERICAN ADVISORS GROUP $65,000 $105,000 61.5% 0.1%
    Bethpage Federal Credit Union $105,000 n/a 0.1%
    Colonial Savings, F.A. $105,000 n/a 0.1%
    Summit Mortgage Corporation $105,000 n/a 0.1%
    Fifth Third Bank $95,000 n/a 0.1%
    PLAZA HOME MORTGAGE, INC. $275,000 $95,000 -65.5% 0.1%
    Santander Bank, N.A. $95,000 n/a 0.1%
    Sun East Federal Credit Union $95,000 n/a 0.1%
    Princeton Mortgage Corporation $85,000 n/a 0.1%
    First Keystone Community Bank $75,000 n/a 0.1%
    Northwest Federal Credit Union $75,000 n/a 0.1%
    Discover Bank $55,000 n/a 0.0%
    TRIAD FINANCIAL SERVICES, INC. $35,000 n/a 0.0%
    Pennian Bank $25,000 n/a 0.0%

    Lock Haven's top lender by overall market share is Jersey Shore State Bank, with 20.6% market share. In second place, with 13.9%, is The Muncy Bank and Trust Company, having originated $19,390,000 in loans. In third place, with 5.6%, is Century Mortgage Company DBA Century Lending Company, having originated $7,730,000 in loans. In fourth place, with 5.3%, is First National Bank of Pennsylvania, having originated $7,360,000 in loans. In fifth place, with 5.1%, is First Commonwealth Bank, having originated $7,140,000 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 $153,600 (7.0%) $183,052 (9.5%) 0.00 119
    2018-02-01 $151,050 (0.9%) $179,403 (-9.5%) 0.00 119
    2018-03-01 $152,200 (5.9%) $182,771 (-1.5%) 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 (-7.9%) 0.00 140
    2018-09-01 $140,000 (-6.6%) $176,351 (-3.4%) 0.00 142
    2018-10-01 $139,900 (-11.7%) $178,033 (-6.5%) 0.00 150
    2018-11-01 $139,600 (-6.9%) $175,716 (-7.2%) 0.00 156
    2018-12-01 $134,900 (-10.0%) $166,477 (-8.0%) 0.00 147
    2019-01-01 $133,200 (-13.3%) $174,248 (-4.8%) 0.00 131
    2019-02-01 $139,700 (-7.5%) $180,613 (0.7%) 0.00 122
    2019-03-01 $136,686 (-10.2%) $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 $200,000 (53.9%) $225,188 (32.3%) 0.00 38
    2021-06-01 $206,950 (46.8%) $230,415 (22.0%) 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 $167,000 (29.5%) $229,192 (34.2%) 0.00 62
    2021-10-01 $179,900 (41.2%) $239,014 (45.1%) 0.00 64
    2021-11-01 $161,250 (15.3%) $217,018 (23.3%) 0.00 62
    2021-12-01 $151,100 (4.3%) $209,535 (18.1%) 0.00 55
    2022-01-01 $149,700 (7.5%) $205,548 (8.1%) 0.00 48
    2022-02-01 $144,150 (-2.2%) $205,418 (0.9%) 0.00 47
    2022-03-01 $171,125 (15.1%) $233,117 (19.4%) 0.00 43
    2022-04-01 $175,000 (7.7%) $223,044 (10.3%) 0.00 41
    2022-05-01 $200,925 (0.5%) $244,687 (8.7%) 0.00 48
    2022-06-01 $184,925 (-10.6%) $249,279 (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 $183,450 (9.9%) $250,632 (9.4%) 0.00 65
    2022-10-01 $204,250 (13.5%) $254,318 (6.4%) 0.00 52
    2022-11-01 $200,250 (24.2%) $259,373 (19.5%) 0.00 56
    2022-12-01 $195,500 (29.4%) $257,905 (23.1%) 0.00 48
    2023-01-01 $172,450 (15.2%) $251,001 (22.1%) 0.00 38
    2023-02-01 $172,250 (19.5%) $246,032 (19.8%) 0.00 40
    Lock Haven's median listing price for 2023-02-01 was $172,250, a difference of $28,100 (19.5%) versus the prior year and $-200 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 2023-02-01 was $246,032, a difference of $40,614 (19.8%) versus the prior year and $-4,969 versus the prior month.

    For the 2023-02-01 period, Lock Haven had 40 MLS listings, a difference of 2 listings (5%) versus the prior month and -7 listings (-15%) 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 1,920 sqft
    2018-02-01 0 days 1,798 sqft
    2018-03-01 0 days 1,596 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 1,804 sqft
    2021-09-01 0 days 1,801 sqft
    2021-10-01 0 days 1,860 sqft
    2021-11-01 0 days 1,768 sqft
    2021-12-01 0 days 1,787 sqft
    2022-01-01 0 days 1,683 sqft
    2022-02-01 0 days 1,660 sqft
    2022-03-01 0 days 1,766 sqft
    2022-04-01 0 days 1,644 sqft
    2022-05-01 0 days 1,760 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 1,716 sqft
    Lock Haven's median listing age (time on market) for 2023-02-01 was 0 days.

    Lock Haven's median square footage for active listings during the 2023-02-01 period was 1,716 sqft. One year prior, the average listing was 1,660 sqft.

    Lock Haven, PA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 431 $76,645,000 $177,831
    Refi 270 $32,920,000 $121,926
    Home Improvement 164 $9,960,000 $60,732
    Other 106 $6,060,000 $57,170
    Cash Out Refi 86 $13,620,000 $158,372

    Lock Haven's most frequently cited loan purpose was Home Purchase, with 431 originations. The 2nd most popular reason was Refi, with 270 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 238 $33,330,000 $140,042
    4-5% 191 $29,805,000 $156,047
    5-6% 169 $26,675,000 $157,840
    <2.5% 164 $14,820,000 $90,366
    2.5-3% 140 $14,160,000 $101,143
    6-7% 87 $10,795,000 $124,080
    7-8% 28 $3,150,000 $112,500
    Over 8% 10 $590,000 $59,000

    During 2022, Lock Haven's most frequently originated rate bucket was 3-4%, with 238 originations.

    Loan Sizing (Lock Haven, PA MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 468 $23,490,000 $50,192
    $100k-200k 397 $57,615,000 $145,126
    $200k-400k 172 $45,380,000 $263,837
    $400k-600k 14 $6,540,000 $467,143
    $600k-1000k 4 $3,020,000 $755,000
    $Over $1MM 2 $3,160,000 $1,580,000

    Lock Haven's loan sizing saw the bucket of loans from $100,000 or less with 468 originations, totaling $23,490,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 322 $57,920,000 $179,876
    60-80% 219 $36,485,000 $166,598
    Under 20% 180 $5,760,000 $32,000
    20-40% 176 $14,810,000 $84,148
    40-60% 124 $16,910,000 $136,371
    Over 100% 4 $1,070,000 $267,500

    Lock Haven's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 322 originations, totaling $57,920,000 in origination value.