Pottsville Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Pottsville averaged 7.21% for the week of 2024-06-06, compared to the national average of 6.99% for the same period.

The average rate for the prior week (2024-05-30) was 7.25% and one month ago for the week of 2024-05-02, the average rate was 7.44%.

Pottsville's average rate one year ago was 6.71%.

For refis of the same type during the week of 2024-06-06, the average rate was 8.15%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-06 6.99%
Pottsville 30 Year Fixed Rate 2024-06-06 7.21%
Pottsville 30 Year Fixed Rate Refi 2024-06-06 8.15%
Pottsville 15 Year Fixed Rate 2024-06-06 6.19%
Pottsville 15 Year Fixed Rate Refi 2024-06-06 6.69%
Pottsville 30 Year FHA 2024-06-06 6.85%
Pottsville 30 Year FHA Refi 2024-06-06 6.89%
Pottsville 30 Year USDA 2024-06-06 6.6%
Pottsville 30 Year USDA Refi 2024-06-06 6.5%
Pottsville 30 Year VA 2024-06-06 6.87%
Pottsville 30 Year VA Refi 2024-06-06 6.59%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Pottsville, PA.

Pottsville 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 Pottsville, 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
Mortgage America, Inc. 94 6.81% $5,059
QUICKEN LOANS, LLC 64 6.90% $6,406
CROSSCOUNTRY MORTGAGE, LLC 39 7.00% $6,541
PENNSYLVANIA STATE EMPLOYEES Credit Union 25 6.40% $2,388
Wells Fargo Bank 25 6.76% $4,783
Homesale Mortgage, LLC 24 7.04% $5,420
GUILD MORTGAGE COMPANY 23 6.67% $6,303
UNITED WHOLESALE MORTGAGE, LLC 14 7.14% $6,805
Citizens Bank 13 6.96% $6,799
First Citizens Community Bank 13 6.69% $5,123
M&T Bank 13 6.88% $5,569
Fulton Bank 12 7.14% $4,638
Mid Penn Bank 11 6.84% $4,117
Univest Bank and Trust Co. 11 6.72% $6,334
First National Bank of Pennsylvania 9 6.38% $3,935
NEWREZ LLC 9 7.34% $6,627
AMERICAN FINANCIAL NETWORK, INC. 8 7.17% $7,388
Truist 8 6.51% $4,608
CARDINAL FINANCIAL 8 6.95% $5,586
BROKER SOLUTIONS, INC. 7 7.14% $7,347
MOVEMENT MORTGAGE, LLC 7 6.80% $5,724
MEMBERS 1ST FEDERAL CREDIT UNION 6 6.29% $4,966
Alcova Mortgage LLC 5 7.00% $4,439
Community Bank 5 7.25% $107
AmeriHome Mortgage Company, LLC 5 7.00% $6,011
ABSOLUTE HOME MORTGAGE CORPORATION 4 7.34% $7,464
CMG MORTGAGE, INC. 4 6.94% $5,840
PNC Bank 4 7.31% $4,521
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 7.13% $5,680
CALIBER HOME LOANS, INC. 4 6.38% $5,064
JPMorgan Chase Bank 3 7.63% $5,452
PLANET HOME LENDING, LLC 3 6.67% $8,419
FIRST HERITAGE FINANCIAL, LLC 3 6.96% $3,063
Mr. Cooper ( Nationstar Mortgage ) 3 6.37% $8,305
PENNYMAC LOAN SERVICES, LLC 3 6.67% $8,498
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.33% $4,222
SUCCESS MORTGAGE PARTNERS, INC. 3 6.88% $7,340
T2 FINANCIAL LLC 3 6.67% $7,084
ZILLOW HOME LOANS, LLC 3 7.58% $4,767
LOANDEPOT.COM, LLC 3 6.91% $5,328
Tompkins Trust Company 3 6.04% $3,522
MUTUAL OF OMAHA MORTGAGE, INC. 3 6.83% $6,403
Prosperity Home Mortgage, LLC 3 7.04% $4,513
York Traditions Bank 2 6.88% $5,020
Diamond Credit Union 2 6.81% $4,657
Bank of America 2 6.31% $4,984
Neighborhood Loans, Inc. 2 6.56% $8,161
Northpointe Bank 2 6.44% $6,874
Farmers and Merchants Trust Company of Chambersburg 2 6.13% $4,664
Orrstown Bank 2 7.19% $3,955
BETTER MORTGAGE CORPORATION 2 7.81% $3,026
First Commonwealth Federal Credit Union 2 6.19% $3,200
Quaint Oak Mortgage, LLC 2 7.38% $5,095
ROYAL UNITED MORTGAGE LLC 2 7.19% $7,180
GUARANTEED RATE, INC. 2 6.93% $4,178
HOMESIDE FINANCIAL, LLC 2 7.44% $6,119
The Huntington National Bank 2 6.94% $5,011
CHERRY CREEK MORTGAGE, LLC 2 6.63% $307
LEBANON 2 7.63% $3,731
USAA Federal Savings Bank 2 6.63% $5,858
CONTOUR MORTGAGE CORPORATION 2 7.00% $4,510
AMERISAVE MORTGAGE CORPORATION 2 7.13% $6,668
NJ LENDERS CORP. 1 6.62% $8,823
21ST MORTGAGE CORPORATION 1 8.70% $5,668
Advisors Mortgage Group, L.L.C. 1 5.63% $6,355
ALLIANT CREDIT UNION 1 6.63% $3,750
ALLIED MORTGAGE GROUP, INC. 1 6.88% $9,178
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.62% $5,573
BELCO COMMUNITY CREDIT UNION 1 6.88% $5,633
BELLCO 1 6.63% $7,969
BMO Harris Bank 1 5.25% $6,358
Carrington Mortgage Services, LLC 1 7.25% $4,226
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 6.50% $6,298
Dollar Bank, Federal Savings Bank 1 7.50% $5,096
EMM LOANS LLC 1 6.38% $7,253
EQUITY NOW INC. 1 7.88% $5,873
FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.50% $9,697
First Commonwealth Bank 1 6.88% $5,931
Flagstar Bank, FSB 1 7.00% $5,628
Flanagan State Bank 1 6.88% $5,152
FREEDOM MORTGAGE CORPORATION 1 8.25% $3,719
GSF Mortgage Corporation 1 6.13% $9,660
GUARANTEED RATE AFFINITY, LLC 1 6.43% $4,582
HOWARD HANNA FINANCIAL SERVICES, INC. 1 6.50% $6,151
LAKEVIEW LOAN SERVICING, LLC 1 5.75% $14,022
LENDING CAPITAL GROUP Inc 1 5.75% $3,940
Meridian Bank Corporation 1 6.38% $3,906
MICHIGAN MUTUAL, INC. 1 8.38% $3,775
MidAtlantic Farm Credit, ACA 1 7.00% $6,579
MILLENIUM HOME MORTGAGE, LLC 1 7.00% $11,318
Mortgage Research Center, LLC 1 8.13% $5,147
NATION ONE MORTGAGE CORPORATION 1 7.00% $9,439
NAVY FEDERAL CREDIT UNION 1 5.88% $3,332
NFM, INC. 1 6.99% $8,847
1ST FINANCIAL, INC. 1 6.99% $5,667
Northwest Bank 1 6.38% $2,819
PANORAMA MORTGAGE GROUP, LLC 1 6.99% $3,026
PENTAGON FEDERAL CREDIT UNION 1 5.75% $3,695
Peoples Security Bank and Trust Company 1 7.29% $5,122
Philadelphia Mortgage Advisors, Inc. 1 6.00% $4,834
Plains Commerce Bank 1 7.50% $4,483
POLICE & FIRE 1 6.88% $5,584
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 8.13% $11,866
PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.75% $4,383
RADIUS FINANCIAL GROUP INC. 1 5.75% $11,201
RELIANCE FIRST CAPITAL, LLC 1 7.63% $6,027
RESIDENTIAL HOME MORTGAGE CORPORATION 1 7.38% $6,564
RUOFF MORTGAGE COMPANY, INC. 1 5.88% $4,531
State Financial Network, LLC 1 6.88% $3,973
The Central Trust Bank 1 6.13% $7,581
The Ephrata National Bank 1 6.38% $5,515
The Fidelity Deposit and Discount Bank 1 7.50% $5,931
The Luzerne Bank 1 6.38% $4,344
The Muncy Bank and Trust Company 1 7.75% $4,982
TIDEWATER MORTGAGE SERVICES, INC. 1 7.00% $3,856
UNION HOME MORTGAGE CORP. 1 7.38% $2,336
UTILITIES EMPLOYEES CREDIT UNION 1 5.50% $4,120
VILLAGE CAPITAL MORTGAGE 1 5.50% $6,709

Pottsville Average Closing Costs & Other Stats

Pottsville, PA's 118 lenders originated 2,152 loans during 2023. The total origination value was $313,920,000, with an average loan value of $145,874.

Pottsville's average closing costs are $5,224.

The top Pottsville lender as defined by loan originations is Mortgage America, Inc., with 94 loans originated. Their average total fees are $5,059, which is $1,347 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Pottsville lenders (with over 10 loans originated) are PENNSYLVANIA STATE EMPLOYEES Credit Union ($2,388), Mid Penn Bank ($4,117), Fulton Bank ($4,638), Wells Fargo Bank ($4,783) and Mortgage America, Inc. ($5,059).

The lowest rate Pottsville lenders (with over 10 loans originated) are PENNSYLVANIA STATE EMPLOYEES Credit Union (6.40%), GUILD MORTGAGE COMPANY (6.67%), First Citizens Community Bank (6.69%), Univest Bank and Trust Co. (6.72%) and Wells Fargo Bank (6.76%).

Pottsville, 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
Univest Bank and Trust Co. $3,005,000 $26,425,000 779.4% 8.4%
QUICKEN LOANS, LLC $31,325,000 $24,415,000 -22.1% 7.8%
Mortgage America, Inc. $26,080,000 $22,165,000 -15.0% 7.1%
CROSSCOUNTRY MORTGAGE, LLC $20,505,000 $14,685,000 -28.4% 4.7%
Mid Penn Bank $19,365,000 $13,315,000 -31.2% 4.2%
PENNSYLVANIA STATE EMPLOYEES Credit Union $16,400,000 $12,980,000 -20.9% 4.1%
M&T Bank $16,080,000 $11,780,000 -26.7% 3.8%
Mortgage Research Center, LLC $7,900,000 $9,615,000 21.7% 3.1%
Homesale Mortgage, LLC $7,630,000 $9,125,000 19.6% 2.9%
GUILD MORTGAGE COMPANY $5,565,000 $8,100,000 45.6% 2.6%
The Gratz Bank $3,780,000 $6,340,000 67.7% 2.0%
Fulton Bank $9,435,000 $6,285,000 -33.4% 2.0%
UNITED WHOLESALE MORTGAGE, LLC $6,820,000 $5,340,000 -21.7% 1.7%
Citizens Bank $6,330,000 $4,960,000 -21.6% 1.6%
NEWREZ LLC $2,515,000 $4,350,000 73.0% 1.4%
Wells Fargo Bank $5,820,000 $4,330,000 -25.6% 1.4%
First National Bank of Pennsylvania $5,765,000 $4,165,000 -27.8% 1.3%
AMERICAN FINANCIAL NETWORK, INC. $4,120,000 n/a 1.3%
First Citizens Community Bank $5,360,000 $3,865,000 -27.9% 1.2%
Tompkins Trust Company $3,225,000 $3,685,000 14.3% 1.2%
CARDINAL FINANCIAL $950,000 $3,290,000 246.3% 1.0%
New Tripoli Bank $4,605,000 $3,205,000 -30.4% 1.0%
MEMBERS 1ST FEDERAL CREDIT UNION $7,530,000 $3,170,000 -57.9% 1.0%
NAVY FEDERAL CREDIT UNION $3,710,000 $2,865,000 -22.8% 0.9%
BROKER SOLUTIONS, INC. $2,250,000 $2,545,000 13.1% 0.8%
The Luzerne Bank $2,370,000 $2,260,000 -4.6% 0.7%
Mauch Chunk Trust Company $6,115,000 $2,230,000 -63.5% 0.7%
LOANDEPOT.COM, LLC $4,310,000 $2,160,000 -49.9% 0.7%
PENNYMAC LOAN SERVICES, LLC $4,260,000 $2,120,000 -50.2% 0.7%
MOVEMENT MORTGAGE, LLC $1,490,000 $2,095,000 40.6% 0.7%
The Ephrata National Bank $380,000 $2,065,000 443.4% 0.7%
Truist $5,325,000 $2,035,000 -61.8% 0.6%
Jim Thorpe Neighborhood Bank $1,375,000 $1,720,000 25.1% 0.5%
PLANET HOME LENDING, LLC $350,000 $1,685,000 381.4% 0.5%
Alcova Mortgage LLC $1,615,000 $1,490,000 -7.7% 0.5%
First Columbia Bank & Trust Co. $1,100,000 $1,450,000 31.8% 0.5%
CMG MORTGAGE, INC. $160,000 $1,420,000 787.5% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $3,040,000 $1,410,000 -53.6% 0.4%
Diamond Credit Union $1,730,000 $1,370,000 -20.8% 0.4%
Fleetwood Bank $935,000 $1,350,000 44.4% 0.4%
NEW DAY FINANCIAL, LLC $785,000 $1,270,000 61.8% 0.4%
PLAZA HOME MORTGAGE, INC. $320,000 $1,245,000 289.1% 0.4%
SUCCESS MORTGAGE PARTNERS, INC. $1,055,000 $1,230,000 16.6% 0.4%
AmeriHome Mortgage Company, LLC $95,000 $1,225,000 1,189.5% 0.4%
Bank of America $1,920,000 $1,205,000 -37.2% 0.4%
FREEDOM MORTGAGE CORPORATION $3,480,000 $1,170,000 -66.4% 0.4%
Century Mortgage Company DBA Century Lending Company $430,000 $1,100,000 155.8% 0.4%
Community Bank $1,665,000 $1,085,000 -34.8% 0.3%
T2 FINANCIAL LLC $1,320,000 $1,085,000 -17.8% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $1,025,000 $1,055,000 2.9% 0.3%
LIMA ONE CAPITAL, LLC $1,445,000 $1,050,000 -27.3% 0.3%
First Keystone Community Bank $1,310,000 $1,040,000 -20.6% 0.3%
UNB Bank $1,030,000 n/a 0.3%
CALIBER HOME LOANS, INC. $7,400,000 $1,025,000 -86.1% 0.3%
Discover Bank $410,000 $985,000 140.2% 0.3%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $3,305,000 $930,000 -71.9% 0.3%
First Commonwealth Federal Credit Union $1,890,000 $895,000 -52.6% 0.3%
The Huntington National Bank $1,475,000 $890,000 -39.7% 0.3%
PNC Bank $2,505,000 $885,000 -64.7% 0.3%
LEBANON $610,000 $880,000 44.3% 0.3%
Northwest Bank $1,785,000 $860,000 -51.8% 0.3%
ABSOLUTE HOME MORTGAGE CORPORATION $385,000 $855,000 122.1% 0.3%
First Commonwealth Bank $410,000 $850,000 107.3% 0.3%
Northpointe Bank $2,420,000 $835,000 -65.5% 0.3%
USAA Federal Savings Bank $1,500,000 $835,000 -44.3% 0.3%
JPMorgan Chase Bank $1,740,000 $790,000 -54.6% 0.3%
UNION HOME MORTGAGE CORP. $375,000 $775,000 106.7% 0.2%
York Traditions Bank $1,045,000 $770,000 -26.3% 0.2%
CHERRY CREEK MORTGAGE, LLC $2,700,000 $740,000 -72.6% 0.2%
Neighborhood Loans, Inc. $735,000 n/a 0.2%
POLICE & FIRE $105,000 $730,000 595.2% 0.2%
The Federal Savings Bank $385,000 $700,000 81.8% 0.2%
HOMESIDE FINANCIAL, LLC $325,000 $670,000 106.2% 0.2%
MICHIGAN MUTUAL, INC. $280,000 $635,000 126.8% 0.2%
ROYAL UNITED MORTGAGE LLC $1,230,000 $630,000 -48.8% 0.2%
TRIAD FINANCIAL SERVICES, INC. $110,000 $615,000 459.1% 0.2%
Barrington Bank & Trust Company, N.A. $635,000 $610,000 -3.9% 0.2%
GUARANTEED RATE AFFINITY, LLC $615,000 $610,000 -0.8% 0.2%
Coastal Community Bank $595,000 n/a 0.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,830,000 $595,000 -79.0% 0.2%
PEOPLE FIRST $2,385,000 $575,000 -75.9% 0.2%
Quaint Oak Mortgage, LLC $575,000 n/a 0.2%
MidAtlantic Farm Credit, ACA $560,000 $565,000 0.9% 0.2%
UTILITIES EMPLOYEES CREDIT UNION $380,000 $540,000 42.1% 0.2%
GSF Mortgage Corporation $535,000 n/a 0.2%
ZILLOW HOME LOANS, LLC $210,000 $530,000 152.4% 0.2%
The Muncy Bank and Trust Company $15,000 $505,000 3,266.7% 0.2%
LENDINGHOME FUNDING CORPORATION $225,000 $485,000 115.6% 0.2%
ALLIED MORTGAGE GROUP, INC. $1,470,000 $480,000 -67.3% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $480,000 n/a 0.2%
NJ LENDERS CORP. $360,000 $475,000 31.9% 0.2%
SERVICE 1ST $35,000 $475,000 1,257.1% 0.2%
Jersey Shore State Bank $145,000 $470,000 224.1% 0.1%
Flanagan State Bank $125,000 $460,000 268.0% 0.1%
JMAC LENDING, INC. $460,000 n/a 0.1%
Logan Finance Corporation $450,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $450,000 n/a 0.1%
RADIUS FINANCIAL GROUP INC. $440,000 n/a 0.1%
MILLENIUM HOME MORTGAGE, LLC $435,000 n/a 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $430,000 n/a 0.1%
NFM, INC. $990,000 $425,000 -57.1% 0.1%
Orrstown Bank $595,000 $415,000 -30.3% 0.1%
Prosperity Home Mortgage, LLC $1,120,000 $415,000 -62.9% 0.1%
The Central Trust Bank $415,000 n/a 0.1%
CONTOUR MORTGAGE CORPORATION $1,320,000 $410,000 -68.9% 0.1%
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania $915,000 $410,000 -55.2% 0.1%
Peoples Security Bank and Trust Company $1,015,000 $410,000 -59.6% 0.1%
BELCO COMMUNITY CREDIT UNION $460,000 $400,000 -13.0% 0.1%
Keystone Funding, Inc. $395,000 n/a 0.1%
Farmers and Merchants Trust Company of Chambersburg $375,000 $390,000 4.0% 0.1%
NBKC BANK $385,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $380,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $875,000 $375,000 -57.1% 0.1%
GUARANTEED RATE, INC. $2,370,000 $365,000 -84.6% 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,090,000 $365,000 -66.5% 0.1%
NATION ONE MORTGAGE CORPORATION $360,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $325,000 $355,000 9.2% 0.1%
Carrington Mortgage Services, LLC $1,345,000 $350,000 -74.0% 0.1%
Citadel Servicing Corporation $155,000 $350,000 125.8% 0.1%
FIRST ALLIANCE HOME MORTGAGE, LLC $1,600,000 $350,000 -78.1% 0.1%
AMERISAVE MORTGAGE CORPORATION $2,130,000 $340,000 -84.0% 0.1%
First National Bank of Absecon $335,000 n/a 0.1%
Goldwater Bank, N.A. $335,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $225,000 $335,000 48.9% 0.1%
Gateway First Bank $325,000 n/a 0.1%
RESIDENTIAL HOME FUNDING CORP. $185,000 $325,000 75.7% 0.1%
BETTER MORTGAGE CORPORATION $1,055,000 $320,000 -69.7% 0.1%
RELIANCE FIRST CAPITAL, LLC $305,000 $320,000 4.9% 0.1%
Figure Lending LLC $210,000 $310,000 47.6% 0.1%
RESIDENTIAL HOME MORTGAGE CORPORATION $205,000 $310,000 51.2% 0.1%
KeyBank $1,370,000 $305,000 -77.7% 0.1%
GOLD Credit Union $395,000 $300,000 -24.1% 0.1%
21ST MORTGAGE CORPORATION $285,000 n/a 0.1%
Bank of England $240,000 $285,000 18.8% 0.1%
FIRST HERITAGE FINANCIAL, LLC $265,000 $280,000 5.7% 0.1%
Customers Bank $3,440,000 $275,000 -92.0% 0.1%
EMM LOANS LLC $925,000 $275,000 -70.3% 0.1%
The Neffs National Bank $1,420,000 $275,000 -80.6% 0.1%
BMO Harris Bank $265,000 n/a 0.1%
PHILADELPHIA $265,000 n/a 0.1%
First Northern Bank and Trust Company $540,000 $255,000 -52.8% 0.1%
Towne Bank $365,000 $255,000 -30.1% 0.1%
Nations Lending Corporation $390,000 $250,000 -35.9% 0.1%
State Financial Network, LLC $440,000 $250,000 -43.2% 0.1%
TEMPLE VIEW CAPITAL FUNDING, LP $245,000 n/a 0.1%
AmeriServ Financial Bank $165,000 $240,000 45.5% 0.1%
Members Choice Financial Credit Union $240,000 n/a 0.1%
S&T Bank $475,000 $240,000 -49.5% 0.1%
American Airlines Federal Credit Union $235,000 n/a 0.1%
BELLCO $65,000 $225,000 246.2% 0.1%
HOWARD HANNA FINANCIAL SERVICES, INC. $165,000 $215,000 30.3% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $4,480,000 $210,000 -95.3% 0.1%
RIVERFRONT $135,000 $210,000 55.6% 0.1%
TIDEWATER MORTGAGE SERVICES, INC. $115,000 $205,000 78.3% 0.1%
Wilmington Savings Fund Society, FSB $345,000 $205,000 -40.6% 0.1%
Flagstar Bank, FSB $450,000 $200,000 -55.6% 0.1%
PHH Mortgage Corporation $475,000 $200,000 -57.9% 0.1%
GENEVA FINANCIAL, LLC $610,000 $195,000 -68.0% 0.1%
The Victory Bank $305,000 $195,000 -36.1% 0.1%
The Fidelity Deposit and Discount Bank $825,000 $185,000 -77.6% 0.1%
Beeline Loans, Inc. $180,000 n/a 0.1%
ENVOY MORTGAGE, LTD $175,000 n/a 0.1%
New Cumberland Federal Credit Union $85,000 $175,000 105.9% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $65,000 $170,000 161.5% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $225,000 $165,000 -26.7% 0.1%
SPRING EQ, LLC $130,000 $165,000 26.9% 0.1%
MORTGAGE ACCESS CORP. $1,765,000 $160,000 -90.9% 0.1%
Plains Commerce Bank $160,000 n/a 0.1%
Advisors Mortgage Group, L.L.C. $85,000 $155,000 82.4% 0.0%
1ST FINANCIAL, INC. $145,000 n/a 0.0%
Discovery Federal Credit Union $160,000 $145,000 -9.4% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $135,000 $145,000 7.4% 0.0%
LOANPAL, LLC $765,000 $140,000 -81.7% 0.0%
PENTAGON FEDERAL CREDIT UNION $320,000 $140,000 -56.3% 0.0%
First Option Mortgage, LLC $135,000 n/a 0.0%
HARTFORD FUNDING, LTD. $125,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $165,000 $125,000 -24.2% 0.0%
Penn Community Bank $105,000 $125,000 19.0% 0.0%
CIVIC FINANCIAL SERVICES, LLC $390,000 $115,000 -70.5% 0.0%
MERCK SHARP & DOHME FEDERAL CREDIT UNION $45,000 $115,000 155.6% 0.0%
Meridian Bank Corporation $115,000 n/a 0.0%
PARAGON HOME LOANS INC. $115,000 n/a 0.0%
Philadelphia Mortgage Advisors, Inc. $115,000 n/a 0.0%
POLARIS HOME FUNDING CORP. $115,000 n/a 0.0%
RBC Bank, (Georgia) $115,000 n/a 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $115,000 n/a 0.0%
APCI Federal Credit Union $1,320,000 $110,000 -91.7% 0.0%
AMERICAN HERITAGE LENDING, INC. $105,000 n/a 0.0%
LENDING CAPITAL GROUP Inc $270,000 $105,000 -61.1% 0.0%
SILVER HILL FUNDING, LLC $230,000 $105,000 -54.3% 0.0%
VILLAGE CAPITAL MORTGAGE $300,000 $105,000 -65.0% 0.0%
AMERICAN FINANCING CORPORATION $430,000 $95,000 -77.9% 0.0%
TD Bank $650,000 $90,000 -86.2% 0.0%
Centier Bank $85,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $85,000 n/a 0.0%
VISIONS $170,000 $85,000 -50.0% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $560,000 $80,000 -85.7% 0.0%
Dollar Bank, Federal Savings Bank $75,000 n/a 0.0%
EQUITY NOW INC. $75,000 n/a 0.0%
Susquehanna Community Bank $995,000 $75,000 -92.5% 0.0%
ALLIANT CREDIT UNION $15,000 $65,000 333.3% 0.0%
ESSA Bank & Trust $2,070,000 $65,000 -96.9% 0.0%
RUOFF MORTGAGE COMPANY, INC. $65,000 n/a 0.0%
ALLENTOWN $60,000 n/a 0.0%
TRUMARK FINANCIAL CREDIT UNION $200,000 $60,000 -70.0% 0.0%
Ardent Federal Credit Union $55,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $55,000 n/a 0.0%
CITADEL FEDERAL CREDIT UNION $500,000 $40,000 -92.0% 0.0%
Citizens & Northern Bank $35,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $50,000 $25,000 -50.0% 0.0%
SUN Federal Credit Union $155,000 $25,000 -83.9% 0.0%
CHOICE ONE COMMUNITY FEDERAL CREDIT UNION $125,000 $15,000 -88.0% 0.0%
U.S. Bank $905,000 $15,000 -98.3% 0.0%

Pottsville's top lender by overall market share is Univest Bank and Trust Co., with 8.4% market share. In second place, with 7.8%, is QUICKEN LOANS, LLC, having originated $24,415,000 in loans. In third place, with 7.1%, is Mortgage America, Inc., having originated $22,165,000 in loans. In fourth place, with 4.7%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $14,685,000 in loans. In fifth place, with 4.2%, is Mid Penn Bank, having originated $13,315,000 in loans.


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

Realtor.com - Pottsville (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 $73,850 (-2.8%) $127,827 (4.7%) 0.27 510
2018-02-01 $74,950 (-3.3%) $130,588 (6.4%) 0.27 524
2018-03-01 $79,900 (1.1%) $133,275 (-2.5%) 0.28 479
2018-04-01 $75,000 (-6.1%) $136,369 (-3.3%) 0.25 488
2018-05-01 $78,700 (1.7%) $137,171 (-1.0%) 0.26 488
2018-06-01 $75,000 (-2.7%) $136,905 (3.9%) 0.25 519
2018-07-01 $77,700 (-1.7%) $138,096 (7.7%) 0.26 524
2018-08-01 $75,000 (0.0%) $136,844 (9.4%) 0.25 522
2018-09-01 $77,950 (11.5%) $139,610 (12.2%) 0.26 546
2018-10-01 $77,400 (7.2%) $139,626 (10.3%) 0.26 548
2018-11-01 $79,488 (13.6%) $138,321 (11.2%) 0.27 527
2018-12-01 $78,250 (12.0%) $137,139 (9.6%) 0.27 489
2019-01-01 $80,250 (8.7%) $138,914 (8.7%) 0.28 450
2019-02-01 $77,375 (3.2%) $137,646 (5.4%) 0.26 428
2019-03-01 $77,857 (-2.6%) $143,943 (8.0%) 0.25 429
2019-04-01 $79,732 (6.3%) $151,662 (11.2%) 0.25 452
2019-05-01 $79,600 (1.1%) $151,827 (10.7%) 0.25 469
2019-06-01 $84,500 (12.7%) $150,203 (9.7%) 0.26 496
2019-07-01 $84,850 (9.2%) $154,449 (11.8%) 0.27 510
2019-08-01 $87,636 (16.9%) $160,057 (17.0%) 0.28 482
2019-09-01 $93,466 (19.9%) $168,449 (20.7%) 0.30 444
2019-10-01 $98,000 (26.6%) $175,704 (25.8%) 0.32 410
2019-11-01 $99,900 (25.7%) $174,309 (26.0%) 0.33 371
2019-12-01 $105,950 (35.4%) $167,180 (21.9%) 0.35 359
2020-01-01 $111,225 (38.6%) $165,069 (18.8%) 0.37 312
2020-02-01 $109,000 (40.9%) $162,282 (17.9%) 0.36 277
2020-03-01 $120,325 (54.6%) $166,636 (15.8%) 0.38 268
2020-04-01 $116,450 (46.1%) $169,578 (11.8%) 0.36 243
2020-05-01 $119,900 (50.6%) $171,686 (13.1%) 0.36 252
2020-06-01 $114,450 (35.4%) $183,311 (22.0%) 0.34 242
2020-07-01 $114,450 (34.9%) $188,618 (22.1%) 0.33 214
2020-08-01 $119,900 (36.8%) $193,956 (21.2%) 0.34 185
2020-09-01 $117,425 (25.6%) $209,713 (24.5%) 0.34 176
2020-10-01 $129,950 (32.6%) $226,196 (28.7%) 0.37 176
2020-11-01 $125,750 (25.9%) $237,746 (36.4%) 0.37 173
2020-12-01 $119,950 (13.2%) $245,447 (46.8%) 0.36 159
2021-01-01 $118,500 (6.5%) $247,040 (49.7%) 0.35 144
2021-02-01 $118,250 (8.5%) $239,400 (47.5%) 0.34 104
2021-03-01 $117,225 (-2.6%) $235,375 (41.3%) 0.33 99
2021-04-01 $132,000 (13.4%) $269,890 (59.2%) 0.36 92
2021-05-01 $131,950 (10.1%) $265,695 (54.8%) 0.35 92
2021-06-01 $102,500 (-10.4%) $219,289 (19.6%) 0.27 158
2021-07-01 $117,450 (2.6%) $213,856 (13.4%) 0.31 169
2021-08-01 $119,974 (0.1%) $181,695 (-6.3%) 0.32 182
2021-09-01 $118,700 (1.1%) $177,551 (-15.3%) 0.32 187
2021-10-01 $102,000 (-21.5%) $178,278 (-21.2%) 0.27 179
2021-11-01 $95,975 (-23.7%) $166,942 (-29.8%) 0.26 184
2021-12-01 $107,975 (-10.0%) $169,846 (-30.8%) 0.29 181
2022-01-01 $99,500 (-16.0%) $163,962 (-33.6%) 0.27 165
2022-02-01 $102,425 (-13.4%) $162,803 (-32.0%) 0.27 168
2022-03-01 $125,325 (6.9%) $166,674 (-29.2%) 0.31 159
2022-04-01 $129,900 (-1.6%) $170,938 (-36.7%) 0.31 155
2022-05-01 $136,000 (3.1%) $174,718 (-34.2%) 0.31 165
2022-06-01 $137,225 (33.9%) $188,615 (-14.0%) 0.31 205
2022-07-01 $129,900 (10.6%) $185,723 (-13.2%) 0.29 243
2022-08-01 $134,925 (12.5%) $181,927 (0.1%) 0.31 255
2022-09-01 $129,950 (9.5%) $180,435 (1.6%) 0.30 240
2022-10-01 $129,900 (27.4%) $179,792 (0.9%) 0.31 244
2022-11-01 $124,400 (29.6%) $180,684 (8.2%) 0.30 235
2022-12-01 $125,000 (15.8%) $191,729 (12.9%) 0.31 215
2023-01-01 $125,000 (25.6%) $192,928 (17.7%) 0.31 202
2023-02-01 $124,975 (22.0%) $195,395 (20.0%) 0.30 192
2023-03-01 $127,225 (1.5%) $197,174 (18.3%) 0.30 169
2023-04-01 $121,500 (-6.5%) $188,122 (10.1%) 0.28 156
2023-05-01 $125,000 (-8.1%) $188,309 (7.8%) 0.28 159
2023-06-01 $115,000 (-16.2%) $181,827 (-3.6%) 0.26 176
2023-07-01 $125,000 (-3.8%) $195,430 (5.2%) 0.28 183
2023-08-01 $124,925 (-7.4%) $187,202 (2.9%) 0.29 200
2023-09-01 $120,000 (-7.7%) $183,624 (1.8%) 0.28 219
2023-10-01 $119,950 (-7.7%) $181,789 (1.1%) 0.28 239
2023-11-01 $123,675 (-0.6%) $186,533 (3.2%) 0.29 248
2023-12-01 $129,000 (3.2%) $186,427 (-2.8%) 0.31 238
2024-01-01 $137,500 (10.0%) $188,786 (-2.2%) 0.34 215
2024-02-01 $139,000 (11.2%) $187,568 (-4.0%) 0.33 186
2024-03-01 $149,000 (17.1%) $195,492 (-0.9%) 0.35 186
2024-04-01 $147,925 (21.8%) $207,128 (10.1%) 0.34 193
2024-05-01 $150,000 (20.0%) $210,390 (11.7%) 0.34 203
Pottsville's median listing price for 2024-05-01 was $150,000, a difference of $25,000 (20.0%) versus the prior year and $2,075 versus the prior month.

Pottsville's median listing price comes in at 34% of the national average.

Pottsville's average listing price for 2024-05-01 was $210,390, a difference of $22,081 (11.7%) versus the prior year and $3,262 versus the prior month.

For the 2024-05-01 period, Pottsville had 203 MLS listings, a difference of 10 listings (5%) versus the prior month and 44 listings (28%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Pottsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 107 days 1,550 sqft
2018-02-01 106 days 1,578 sqft
2018-03-01 101 days 1,600 sqft
2018-04-01 90 days 1,586 sqft
2018-05-01 82 days 1,590 sqft
2018-06-01 65 days 1,656 sqft
2018-07-01 64 days 1,631 sqft
2018-08-01 70 days 1,629 sqft
2018-09-01 74 days 1,640 sqft
2018-10-01 76 days 1,653 sqft
2018-11-01 80 days 1,636 sqft
2018-12-01 93 days 1,659 sqft
2019-01-01 101 days 1,664 sqft
2019-02-01 104 days 1,657 sqft
2019-03-01 90 days 1,659 sqft
2019-04-01 67 days 1,669 sqft
2019-05-01 61 days 1,668 sqft
2019-06-01 68 days 1,666 sqft
2019-07-01 71 days 1,688 sqft
2019-08-01 70 days 1,687 sqft
2019-09-01 67 days 1,691 sqft
2019-10-01 66 days 1,695 sqft
2019-11-01 67 days 1,725 sqft
2019-12-01 83 days 1,710 sqft
2020-01-01 90 days 1,700 sqft
2020-02-01 101 days 1,700 sqft
2020-03-01 71 days 1,799 sqft
2020-04-01 78 days 1,808 sqft
2020-05-01 80 days 1,819 sqft
2020-06-01 53 days 1,771 sqft
2020-07-01 42 days 1,747 sqft
2020-08-01 51 days 1,716 sqft
2020-09-01 40 days 1,667 sqft
2020-10-01 44 days 1,744 sqft
2020-11-01 47 days 1,650 sqft
2020-12-01 61 days 1,620 sqft
2021-01-01 71 days 1,622 sqft
2021-02-01 66 days 1,605 sqft
2021-03-01 52 days 1,571 sqft
2021-04-01 25 days 1,621 sqft
2021-05-01 24 days 1,608 sqft
2021-06-01 18 days 1,626 sqft
2021-07-01 25 days 1,619 sqft
2021-08-01 29 days 1,623 sqft
2021-09-01 36 days 1,597 sqft
2021-10-01 43 days 1,574 sqft
2021-11-01 39 days 1,508 sqft
2021-12-01 44 days 1,521 sqft
2022-01-01 48 days 1,541 sqft
2022-02-01 48 days 1,535 sqft
2022-03-01 47 days 1,587 sqft
2022-04-01 41 days 1,592 sqft
2022-05-01 33 days 1,689 sqft
2022-06-01 29 days 1,676 sqft
2022-07-01 30 days 1,680 sqft
2022-08-01 40 days 1,638 sqft
2022-09-01 45 days 1,677 sqft
2022-10-01 49 days 1,649 sqft
2022-11-01 55 days 1,684 sqft
2022-12-01 65 days 1,682 sqft
2023-01-01 67 days 1,665 sqft
2023-02-01 63 days 1,651 sqft
2023-03-01 55 days 1,656 sqft
2023-04-01 45 days 1,600 sqft
2023-05-01 32 days 1,593 sqft
2023-06-01 33 days 1,571 sqft
2023-07-01 41 days 1,573 sqft
2023-08-01 38 days 1,506 sqft
2023-09-01 38 days 1,528 sqft
2023-10-01 40 days 1,596 sqft
2023-11-01 46 days 1,567 sqft
2023-12-01 58 days 1,575 sqft
2024-01-01 62 days 1,518 sqft
2024-02-01 61 days 1,444 sqft
2024-03-01 47 days 1,505 sqft
2024-04-01 40 days 1,579 sqft
2024-05-01 38 days 1,665 sqft
Pottsville's median listing age (time on market) for 2024-05-01 was 38 days. This is 20% longer than the same period one year ago.

Pottsville's median square footage for active listings during the 2024-05-01 period was 1,665 sqft. One year prior, the average listing was 1,593 sqft.

Pottsville, PA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,199 $227,535,000 $189,771
Home Improvement 279 $17,875,000 $64,068
Other 262 $16,790,000 $64,084
Cash Out Refi 208 $28,650,000 $137,740
Refi 204 $23,070,000 $113,088

Pottsville's most frequently cited loan purpose was Home Purchase, with 1,199 originations. The 2nd most popular reason was Home Improvement, with 279 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 795 $143,485,000 $180,484
7-8% 527 $76,265,000 $144,715
Over 8% 369 $32,365,000 $87,710
5-6% 249 $36,195,000 $145,361
<2.5% 37 $1,765,000 $47,703
4-5% 18 $2,760,000 $153,333
3-4% 13 $1,685,000 $129,615
2.5-3% 2 $300,000 $150,000

During 2023, Pottsville's most frequently originated rate bucket was 6-7%, with 795 originations.

Loan Sizing (Pottsville, PA MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 946 $52,920,000 $55,941
$100k-200k 771 $109,295,000 $141,757
$200k-400k 373 $98,815,000 $264,920
$400k-600k 51 $23,415,000 $459,118
$600k-1000k 8 $5,520,000 $690,000
$Over $1MM 3 $23,955,000 $7,985,000

Pottsville's loan sizing saw the bucket of loans from $100,000 or less with 946 originations, totaling $52,920,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 937 $162,115,000 $173,015
60-80% 385 $59,705,000 $155,078
20-40% 269 $17,885,000 $66,487
Under 20% 213 $7,335,000 $34,437
40-60% 189 $43,755,000 $231,508
Over 100% 10 $2,660,000 $266,000

Pottsville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 937 originations, totaling $162,115,000 in origination value.