Lock Haven Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Lock Haven averaged 6.07% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 6.03% and one month ago for the week of 2024-08-29, the average rate was 6.3%.

Lock Haven's average rate one year ago was 7.36%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.02%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Lock Haven 30 Year Fixed Rate 2024-10-03 6.07%
Lock Haven 30 Year Fixed Rate Refi 2024-10-03 6.02%
Lock Haven 15 Year Fixed Rate 2024-10-03 5.05%
Lock Haven 15 Year Fixed Rate Refi 2024-10-03 5.35%
Lock Haven 30 Year FHA 2024-10-03 6.09%
Lock Haven 30 Year FHA Refi 2024-10-03 5.89%
Lock Haven 30 Year USDA 2024-10-03 6.17%
Lock Haven 30 Year USDA Refi 2024-10-03 6.07%
Lock Haven 30 Year VA 2024-10-03 5.5%
Lock Haven 30 Year VA Refi 2024-10-03 5.8%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
QUICKEN LOANS, LLC 12 7.36% $5,373
The Muncy Bank and Trust Company 10 7.54% $2,336
PRIMELENDING, A PLAINSCAPITAL COMPANY 10 6.82% $5,463
PENNSYLVANIA STATE EMPLOYEES Credit Union 9 6.00% $2,845
Century Mortgage Company DBA Century Lending Company 6 6.50% $4,393
UNITED WHOLESALE MORTGAGE, LLC 6 6.61% $5,760
Jersey Shore State Bank 6 6.35% $5,137
First Columbia Bank & Trust Co. 5 7.70% $3,167
HORIZON Federal Credit Union 5 7.08% $4,375
GUILD MORTGAGE COMPANY 4 6.84% $6,328
Flagstar Bank, FSB 3 7.50% $4,333
NEWREZ LLC 3 6.67% $3,731
Northwest Bank 3 6.54% $2,820
Citizens Bank 3 7.17% $7,088
The Huntington National Bank 2 5.86% $5,281
ROYAL UNITED MORTGAGE LLC 2 7.25% $7,911
Citizens & Northern Bank 2 6.75% $3,323
Blue Ridge Bank 2 6.94% $4,768
JPMorgan Chase Bank 2 8.06% $4,739
The Ephrata National Bank 1 8.25% $4,079
UNION HOME MORTGAGE CORP. 1 7.50% $8,509
Univest Bank and Trust Co. 1 6.88% $6,306
USAA Federal Savings Bank 1 7.25% $4,816
U.S. Bank 1 6.88% $7,657
ACADEMY MORTGAGE CORPORATION 1 6.88% $7,022
ZILLOW HOME LOANS, LLC 1 5.88% $5,672
ALLIED MORTGAGE GROUP, INC. 1 6.49% $8,767
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.99% $5,406
ARC HOME LLC 1 7.99% $3,979
Barrington Bank & Trust Company, N.A. 1 7.13% $4,015
CNB Bank 1 6.63% $3,413
CORNING 1 6.25% $5,029
Discover Bank 1 6.74% $0
EMM LOANS LLC 1 8.13% $6,128
First Citizens Community Bank 1 7.75% $3,376
Gateway First Bank 1 6.25% $0
LOANDEPOT.COM, LLC 1 6.99% $22,704
MICHIGAN MUTUAL, INC. 1 6.38% $8,600
MidAtlantic Farm Credit, ACA 1 7.04% $3,669
Mid Penn Bank 1 5.99% $7,354
Mr. Cooper ( Nationstar Mortgage ) 1 6.99% $8,673
NBKC BANK 1 7.63% $6,559
PENNYMAC LOAN SERVICES, LLC 1 7.63% $3,996
RELIANCE FIRST CAPITAL, LLC 1 6.99% $6,706

Lock Haven Average Closing Costs & Other Stats

Lock Haven, PA's 44 lenders originated 751 loans during 2023. The total origination value was $93,215,000, with an average loan value of $124,121.

Lock Haven's average closing costs are $5,151.

The top Lock Haven lender as defined by loan originations is QUICKEN LOANS, LLC, with 12 loans originated. Their average total fees are $5,373, which is $3,037 higher than the next largest lender, The Muncy Bank and Trust Company.

The lowest fee Lock Haven lenders (with over 10 loans originated) are The Muncy Bank and Trust Company ($2,336), QUICKEN LOANS, LLC ($5,373), PRIMELENDING, A PLAINSCAPITAL COMPANY ($5,463), .

The lowest rate Lock Haven lenders (with over 10 loans originated) are PRIMELENDING, A PLAINSCAPITAL COMPANY (6.82%), QUICKEN LOANS, LLC (7.36%), The Muncy Bank and Trust Company (7.54%), .

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Jersey Shore State Bank $28,735,000 $19,935,000 -30.6% 21.4%
The Muncy Bank and Trust Company $19,390,000 $8,640,000 -55.4% 9.3%
Century Mortgage Company DBA Century Lending Company $7,730,000 $6,095,000 -21.2% 6.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $4,640,000 $5,110,000 10.1% 5.5%
PENNSYLVANIA STATE EMPLOYEES Credit Union $5,030,000 $4,890,000 -2.8% 5.2%
QUICKEN LOANS, LLC $5,275,000 $3,585,000 -32.0% 3.8%
Northwest Bank $3,935,000 $2,760,000 -29.9% 3.0%
MidAtlantic Farm Credit, ACA $1,145,000 $2,500,000 118.3% 2.7%
HORIZON Federal Credit Union $4,360,000 $2,295,000 -47.4% 2.5%
Woodlands Bank $4,465,000 $2,220,000 -50.3% 2.4%
Mortgage Research Center, LLC $3,745,000 $2,200,000 -41.3% 2.4%
UNITED WHOLESALE MORTGAGE, LLC $655,000 $2,185,000 233.6% 2.3%
First Commonwealth Bank $7,140,000 $2,170,000 -69.6% 2.3%
First Columbia Bank & Trust Co. $345,000 $1,760,000 410.1% 1.9%
First National Bank of Pennsylvania $7,360,000 $1,665,000 -77.4% 1.8%
GUILD MORTGAGE COMPANY $865,000 $1,465,000 69.4% 1.6%
NEWREZ LLC $770,000 $1,280,000 66.2% 1.4%
M&T Bank $1,860,000 $1,155,000 -37.9% 1.2%
Citizens Bank $1,425,000 $965,000 -32.3% 1.0%
First Citizens Community Bank $250,000 $965,000 286.0% 1.0%
Mifflinburg Bank and Trust Company $815,000 $840,000 3.1% 0.9%
LOANDEPOT.COM, LLC $1,000,000 $755,000 -24.5% 0.8%
NBKC BANK $305,000 $715,000 134.4% 0.8%
JPMorgan Chase Bank $705,000 n/a 0.8%
Flagstar Bank, FSB $390,000 $635,000 62.8% 0.7%
Mid Penn Bank $290,000 $620,000 113.8% 0.7%
PENNYMAC LOAN SERVICES, LLC $115,000 $570,000 395.7% 0.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $665,000 $560,000 -15.8% 0.6%
ALLIED MORTGAGE GROUP, INC. $430,000 $540,000 25.6% 0.6%
CORNING $530,000 n/a 0.6%
Mr. Cooper ( Nationstar Mortgage ) $965,000 $515,000 -46.6% 0.6%
USAA Federal Savings Bank $515,000 $500,000 -2.9% 0.5%
Keystone Funding, Inc. $485,000 n/a 0.5%
Carrington Mortgage Services, LLC $625,000 $475,000 -24.0% 0.5%
EMM LOANS LLC $450,000 n/a 0.5%
Prosperity Home Mortgage, LLC $335,000 $450,000 34.3% 0.5%
Blue Ridge Bank $575,000 $425,000 -26.1% 0.5%
Plains Commerce Bank $410,000 n/a 0.4%
Titan FCU $405,000 n/a 0.4%
U.S. Bank $685,000 $405,000 -40.9% 0.4%
AMERICAN HERITAGE LENDING, INC. $395,000 n/a 0.4%
FREEDOM MORTGAGE CORPORATION $1,665,000 $390,000 -76.6% 0.4%
The Juniata Valley Bank $385,000 n/a 0.4%
ACADEMY MORTGAGE CORPORATION $375,000 n/a 0.4%
The Huntington National Bank $265,000 $360,000 35.8% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $260,000 $340,000 30.8% 0.4%
MYCUMORTGAGE, LLC $600,000 $300,000 -50.0% 0.3%
ROYAL UNITED MORTGAGE LLC $345,000 $295,000 -14.5% 0.3%
Gateway First Bank $265,000 n/a 0.3%
UNION HOME MORTGAGE CORP. $265,000 n/a 0.3%
ZILLOW HOME LOANS, LLC $145,000 $245,000 69.0% 0.3%
Wells Fargo Bank $915,000 $230,000 -74.9% 0.2%
NATIONS DIRECT MORTGAGE, LLC $220,000 n/a 0.2%
EVERENCE FEDERAL CREDIT UNION $210,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $205,000 n/a 0.2%
Citizens & Northern Bank $245,000 $205,000 -16.3% 0.2%
MICHIGAN MUTUAL, INC. $145,000 $205,000 41.4% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $195,000 n/a 0.2%
Susquehanna Community Bank $185,000 $195,000 5.4% 0.2%
NFM, INC. $180,000 n/a 0.2%
HOMESIDE FINANCIAL, LLC $295,000 $175,000 -40.7% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $205,000 $175,000 -14.6% 0.2%
The Ephrata National Bank $435,000 $165,000 -62.1% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $155,000 n/a 0.2%
BROKER SOLUTIONS, INC. $460,000 $155,000 -66.3% 0.2%
JLB CORPORATION $155,000 n/a 0.2%
Univest Bank and Trust Co. $155,000 n/a 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $145,000 n/a 0.2%
Kish Bank $1,515,000 $135,000 -91.1% 0.1%
RELIANCE FIRST CAPITAL, LLC $135,000 $135,000 0.0% 0.1%
SERVICE 1ST $125,000 n/a 0.1%
Fifth Third Bank $95,000 $115,000 21.1% 0.1%
The Bank of Landisburg $115,000 n/a 0.1%
UTILITIES EMPLOYEES CREDIT UNION $155,000 $110,000 -29.0% 0.1%
CNB Bank $215,000 $105,000 -51.2% 0.1%
Equity Prime Mortgage LLC $490,000 $105,000 -78.6% 0.1%
NAVY FEDERAL CREDIT UNION $785,000 $105,000 -86.6% 0.1%
Discover Bank $55,000 $85,000 54.5% 0.1%
Truist $635,000 $85,000 -86.6% 0.1%
ARC HOME LLC $65,000 n/a 0.1%
Bank of America $65,000 n/a 0.1%
Fulton Bank $55,000 n/a 0.1%
Members Choice Financial Credit Union $55,000 n/a 0.1%
21ST MORTGAGE CORPORATION $45,000 n/a 0.0%
PALCO FEDERAL CREDIT UNION $45,000 n/a 0.0%
APCI Federal Credit Union $175,000 $35,000 -80.0% 0.0%
Figure Lending LLC $35,000 n/a 0.0%
Coastal Community Bank $25,000 n/a 0.0%

Lock Haven's top lender by overall market share is Jersey Shore State Bank, with 21.4% market share. In second place, with 9.3%, is The Muncy Bank and Trust Company, having originated $8,640,000 in loans. In third place, with 6.5%, is Century Mortgage Company DBA Century Lending Company, having originated $6,095,000 in loans. In fourth place, with 5.5%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $5,110,000 in loans. In fifth place, with 5.2%, is PENNSYLVANIA STATE EMPLOYEES Credit Union, having originated $4,890,000 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%) 0.00 120
2018-02-01 $151,050 (0.9%) $179,403 (-9.5%) 0.00 120
2018-03-01 $152,200 (7.8%) $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 $146,375 (-2.4%) $182,989 (-8.1%) 0.00 139
2018-09-01 $140,000 (-6.6%) $175,847 (-3.7%) 0.00 141
2018-10-01 $139,700 (-12.0%) $177,556 (-6.8%) 0.00 149
2018-11-01 $139,600 (-6.9%) $175,490 (-7.3%) 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 (-4.1%) $191,034 (4.4%) 0.00 142
2019-09-01 $142,409 (1.7%) $187,029 (6.4%) 0.00 142
2019-10-01 $144,250 (3.3%) $185,966 (4.7%) 0.00 141
2019-11-01 $139,900 (0.2%) $187,726 (7.0%) 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 $125,000 (-10.5%) $170,630 (-5.5%) 0.00 110
2020-03-01 $129,900 (-5.0%) $167,401 (-7.5%) 0.00 104
2020-04-01 $129,914 (-3.2%) $166,490 (-5.4%) 0.00 101
2020-05-01 $130,000 (-6.3%) $170,627 (-6.0%) 0.00 98
2020-06-01 $141,403 (-3.1%) $189,084 (-4.5%) 0.00 100
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%) $170,740 (-8.7%) 0.00 90
2020-10-01 $125,000 (-13.3%) $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 (17.9%) $203,643 (19.4%) 0.00 56
2021-03-01 $148,650 (14.4%) $195,282 (16.7%) 0.00 52
2021-04-01 $162,450 (25.0%) $202,265 (21.5%) 0.00 45
2021-05-01 $199,950 (53.8%) $225,188 (32.0%) 0.00 38
2021-06-01 $206,950 (46.4%) $229,689 (21.5%) 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 (43.9%) $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 $172,250 (17.7%) $246,032 (20.4%) 0.00 40
2023-03-01 $197,900 (16.5%) $260,681 (12.6%) 0.00 36
2023-04-01 $205,200 (17.3%) $251,647 (12.8%) 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 (20.4%) $272,239 (10.7%) 0.00 49
2024-03-01 $190,000 (-4.0%) $255,818 (-1.9%) 0.00 54
2024-04-01 $184,950 (-9.9%) $253,094 (0.6%) 0.00 52
2024-05-01 $200,925 (0.6%) $268,735 (19.8%) 0.00 60
2024-06-01 $235,900 (18.0%) $284,149 (30.2%) 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
Lock Haven's median listing price for 2024-09-01 was $245,000, a difference of $6,400 (2.7%) versus the prior year and $-4,995 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 2024-09-01 was $302,344, a difference of $2,483 (0.8%) versus the prior year and $-16,505 versus the prior month.

For the 2024-09-01 period, Lock Haven had 88 MLS listings, a difference of 18 listings (26%) versus the prior month and 32 listings (57%) 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 1,803 sqft
2018-09-01 0 days 1,758 sqft
2018-10-01 0 days 1,780 sqft
2018-11-01 0 days 1,796 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 1,606 sqft
2020-03-01 0 days 1,634 sqft
2020-04-01 0 days 1,666 sqft
2020-05-01 0 days 1,658 sqft
2020-06-01 0 days 1,660 sqft
2020-07-01 0 days 1,701 sqft
2020-08-01 0 days 1,723 sqft
2020-09-01 0 days 1,640 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 1,805 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 1,716 sqft
2023-03-01 0 days 1,728 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 1,773 sqft
2023-12-01 0 days 1,731 sqft
2024-01-01 0 days 1,692 sqft
2024-02-01 0 days 1,692 sqft
2024-03-01 0 days 1,680 sqft
2024-04-01 0 days 1,690 sqft
2024-05-01 0 days 1,783 sqft
2024-06-01 0 days 1,785 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
Lock Haven's median listing age (time on market) for 2024-09-01 was 0 days.

Lock Haven's median square footage for active listings during the 2024-09-01 period was 1,819 sqft. One year prior, the average listing was 1,755 sqft.

Lock Haven, PA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 345 $62,075,000 $179,928
Refi 136 $12,120,000 $89,118
Home Improvement 125 $6,845,000 $54,760
Other 95 $5,485,000 $57,737
Cash Out Refi 50 $6,690,000 $133,800

Lock Haven's most frequently cited loan purpose was Home Purchase, with 345 originations. The 2nd most popular reason was Refi, with 136 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 294 $39,690,000 $135,000
7-8% 144 $23,790,000 $165,208
5-6% 124 $14,750,000 $118,952
Over 8% 85 $6,725,000 $79,118
4-5% 49 $3,255,000 $66,429
<2.5% 20 $330,000 $16,500
3-4% 10 $690,000 $69,000
2.5-3% 2 $140,000 $70,000

During 2023, Lock Haven's most frequently originated rate bucket was 6-7%, with 294 originations.

Loan Sizing (Lock Haven, PA MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 385 $18,455,000 $47,935
$100k-200k 231 $33,665,000 $145,736
$200k-400k 116 $30,580,000 $263,621
$400k-600k 15 $6,905,000 $460,333
$600k-1000k 3 $2,285,000 $761,667
$Over $1MM 1 $1,325,000 $1,325,000

Lock Haven's loan sizing saw the bucket of loans from $100,000 or less with 385 originations, totaling $18,455,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 220 $43,600,000 $198,182
Under 20% 171 $4,905,000 $28,684
60-80% 126 $19,760,000 $156,825
20-40% 118 $8,900,000 $75,424
40-60% 84 $10,360,000 $123,333
Over 100% 8 $1,780,000 $222,500

Lock Haven's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 220 originations, totaling $43,600,000 in origination value.