Pottsville Mortgage Rates

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

30 Year Fixed Rate mortgages in Pottsville averaged 5.87% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.04% and one month ago for the week of 2022-05-19, the average rate was 5.71%.

Pottsville's average rate one year ago was 3.49%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.05%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Pottsville 30 Year Fixed Rate 2022-06-23 5.87%
Pottsville 30 Year Fixed Rate Refi 2022-06-23 6.05%
Pottsville 15 Year Fixed Rate 2022-06-23 5.7%
Pottsville 15 Year Fixed Rate Refi 2022-06-23 5.38%
Pottsville 30 Year FHA 2022-06-23 0.16%
Pottsville 30 Year FHA Refi 2022-06-23 -0.01%
Pottsville 30 Year USDA 2022-06-23 0.3%
Pottsville 30 Year USDA Refi 2022-06-23 -0.12%
Pottsville 30 Year VA 2022-06-23 0.62%
Pottsville 30 Year VA Refi 2022-06-23 -0.24%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Mortgage America, Inc. 118 3.37% $3,807
QUICKEN LOANS, LLC 101 3.22% $5,229
CALIBER HOME LOANS, INC. 54 3.28% $4,069
CROSSCOUNTRY MORTGAGE, LLC 49 3.19% $5,314
Homesale Mortgage, LLC 37 3.03% $3,941
Wells Fargo Bank 36 3.32% $3,681
PENNSYLVANIA STATE EMPLOYEES Credit Union 33 3.14% $2,534
ARK-LA-TEX FINANCIAL SERVICES, LLC. 26 3.48% $3,278
Manufacturers and Traders Trust Company 24 3.42% $3,637
Mid Penn Bank 24 3.19% $3,683
Santander Bank, N.A. 21 3.16% $4,137
RESIDENTIAL MORTGAGE SERVICES, INC. 19 3.13% $4,406
Fulton Bank 15 3.35% $3,572
UNITED WHOLESALE MORTGAGE, LLC 15 3.03% $5,987
AMERISAVE MORTGAGE CORPORATION 15 2.90% $6,766
BROKER SOLUTIONS, INC. 14 3.20% $4,900
LOANDEPOT.COM, LLC 14 2.92% $5,245
Riverview Bank 12 3.13% $3,646
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 12 3.39% $3,909
GUARANTEED RATE, INC. 11 3.37% $4,774
First Citizens Community Bank 11 3.02% $3,101
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 11 3.20% $4,474
ROYAL UNITED MORTGAGE LLC 10 3.39% $6,673
Northpointe Bank 10 3.08% $4,809
Truist Bank 10 3.03% $3,642
First National Bank of Pennsylvania 10 2.99% $3,545
Mr. Cooper ( Nationstar Mortgage ) 9 3.44% $5,613
Citizens Bank 9 3.13% $5,386
NEWREZ LLC 8 3.41% $4,835
SUCCESS MORTGAGE PARTNERS, INC. 8 3.45% $3,999
Univest Bank and Trust Co. 8 3.36% $4,597
PENNYMAC LOAN SERVICES, LLC 7 3.41% $6,116
Atlantic Home Loans, Inc. 7 3.21% $4,750
JPMorgan Chase Bank 7 3.25% $4,802
FIRST ALLIANCE HOME MORTGAGE, LLC 7 3.30% $3,971
PNC Bank 7 3.23% $3,407
MEMBERS 1ST FEDERAL CREDIT UNION 6 3.23% $5,337
Community Bank 6 3.54% $1,229
FINANCE OF AMERICA MORTGAGE LLC 5 3.15% $5,953
First Commonwealth Federal Credit Union 5 3.25% $3,461
EMM LOANS LLC 5 3.17% $6,103
HOME POINT FINANCIAL CORPORATION 5 3.15% $4,655
HOMESIDE FINANCIAL, LLC 4 3.09% $5,076
BETTER MORTGAGE CORPORATION 4 3.09% $4,335
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 4 3.15% $3,953
Ally Bank 4 3.19% $2,529
FIRST HERITAGE FINANCIAL, LLC 4 3.42% $3,111
NAVY FEDERAL CREDIT UNION 4 3.91% $2,862
GUARANTEED RATE AFFINITY, LLC 4 2.97% $3,752
MOVEMENT MORTGAGE, LLC 4 2.98% $5,493
AMERICAN FINANCING CORPORATION 3 3.13% $4,366
Alcova Mortgage LLC 3 3.13% $3,929
ENVOY MORTGAGE, LTD 3 3.00% $4,477
TD Bank 3 3.33% $4,930
UNITED MORTGAGE CORP. 3 3.75% $7,493
Nations Lending Corporation 3 3.46% $9,184
Hometown Lenders, Inc. 3 3.00% $3,988
LAKEVIEW LOAN SERVICING, LLC 3 3.17% $6,270
KeyBank 3 3.48% $3,210
Bank of America 3 2.96% $4,767
MORTGAGE ACCESS CORP. 3 3.37% $3,615
First Commonwealth Bank 3 3.46% $4,118
Mortgage Research Center, LLC 3 2.66% $6,920
FAMILY FIRST FUNDING LLC 3 3.25% $4,148
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.37% $4,075
AMERICAN FEDERAL MORTGAGE CORPORATION 2 2.81% $2,230
Carrington Mortgage Services, LLC 2 3.31% $5,854
Customers Bank 2 3.44% $3,187
EQUITY RESOURCES, INC. 2 3.13% $3,806
First Home Bank 2 3.50% $3,717
Firstrust Savings Bank 2 2.75% $3,988
Flagstar Bank, FSB 2 3.28% $3,380
FREEDOM MORTGAGE CORPORATION 2 3.25% $2,567
Gateway First Bank 2 3.31% $1,940
GUILD MORTGAGE COMPANY 2 3.44% $4,972
InterContinental Capital Group, Inc 2 2.94% $4,235
Jersey Shore State Bank 2 3.75% $3,629
LENDING CAPITAL GROUP Inc 2 3.38% $2,636
LOANPAL, LLC 2 3.68% $5,905
Morgan Stanley Private Bank 2 2.63% $3,957
MUTUAL OF OMAHA MORTGAGE, INC. 2 4.13% $4,103
PHH Mortgage Corporation 2 3.88% $6,460
Presidential Bank, FSB 2 3.13% $6,191
AgFirst Farm Credit Bank 2 3.25% $3,337
Sierra Pacific Mortgage Company, Inc. 2 2.94% $3,903
SUN WEST MORTGAGE COMPANY, INC. 2 3.25% $3,566
The Ephrata National Bank 2 3.13% $7,732
TIDEWATER MORTGAGE SERVICES, INC. 2 3.44% $4,741
UNION HOME MORTGAGE CORP. 2 3.38% $5,177
Victorian Finance, LLC 2 4.19% $4,291
ZILLOW HOME LOANS, LLC 2 2.94% $6,805
GUARANTY HOME MORTGAGE CORPORATION 1 3.38% $10,062
CHURCHILL MORTGAGE CORPORATION 1 3.25% $3,963
George Mason Mortgage, LLC 1 3.13% $5,668
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.25% $7,070
First National Bank of Omaha 1 3.13% $2,628
NETWORK CAPITAL FUNDING CORPORATION 1 3.00% $2,900
First National Bank of America 1 6.75% $5,939
NFM, INC. 1 3.00% $4,389
First Guaranty Mortgage Corporation 1 2.75% $6,245
Northwest Bank 1 3.13% $6,450
NP, Inc. 1 3.50% $6,826
First Federal Bank 1 2.63% $2,559
FIRST COMMUNITY MORTGAGE, INC. 1 3.38% $4,087
PENTAGON FEDERAL CREDIT UNION 1 2.63% $2,026
ALLIED MORTGAGE GROUP, INC. 1 3.25% $8,098
First Columbia Bank & Trust Co. 1 2.88% $3,353
POLICE & FIRE 1 3.25% $2,880
PREMIA MORTGAGE, LLC 1 2.99% $4,161
Bank of England 1 3.38% $4,246
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.25% $6,678
AmeriHome Mortgage Company, LLC 1 3.25% $3,575
PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.00% $3,468
Quaint Oak Mortgage, LLC 1 3.25% $4,487
ESSA Bank & Trust 1 2.95% $3,675
RELIANCE FIRST CAPITAL, LLC 1 2.99% $3,260
Republic Bank & Trust Company 1 3.88% $4,804
Dollar Bank, Federal Savings Bank 1 3.88% $5,857
Discover Bank 1 5.25% $0
Diamond Credit Union 1 3.38% $3,475
DELMAR FINANCIAL COMPANY 1 4.13% $4,981
AMERICAN FINANCIAL NETWORK, INC. 1 3.25% $10,962
S&T Bank 1 4.38% $3,655
STEARNS LENDING, LLC 1 3.25% $4,585
Stifel Bank and Trust 1 2.88% $4,141
Strong Home Mortgage, LLC 1 2.88% $3,287
CORNING 1 3.00% $2,962
USAA Federal Savings Bank 1 3.25% $5,745
SWBC MORTGAGE CORPORATION 1 3.50% $3,900
T2 FINANCIAL LLC 1 3.88% $3,346
CONTOUR MORTGAGE CORPORATION 1 3.25% $3,775
US MORTGAGE CORPORATION 1 2.75% $1,990
The Fidelity Deposit and Discount Bank 1 3.00% $4,871
The Huntington National Bank 1 3.38% $5,303
The Luzerne Bank 1 4.25% $3,889
LENDSURE MORTGAGE CORP. 1 6.38% $7,148
LEHIGH VALLEY EDUCATORS 1 3.00% $3,023
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 2.88% $3,724
Investors Bank 1 3.88% $3,433
INTERCOASTAL MORTGAGE COMPANY 1 3.25% $2,980
MidAtlantic Farm Credit, ACA 1 4.75% $4,301
Huntingdon Valley Bank 1 2.87% $4,715
MLB RESIDENTIAL LENDING, LLC 1 3.13% $5,258
TOP FLITE FINANCIAL, INC. 1 3.88% $9,389
Hometown Equity Mortgage, LLC 1 2.75% $6,958
HOMESPIRE MORTGAGE CORPORATION 1 3.50% $3,965
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.38% $3,953
HERSHEY 1 3.75% $2,557

Pottsville, PA's 148 lenders originated 3,510 loans during 2021. The total origination value was $488,520,000, with an average loan value of $139,179.

The top Pottsville lender as defined by loan originations is Mortgage America, Inc., with 118 loans originated. Their average total fees are $3,807, which is $1,422 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 ($2,534), First Citizens Community Bank ($3,101), ARK-LA-TEX FINANCIAL SERVICES, LLC. ($3,278), First National Bank of Pennsylvania ($3,545) and Fulton Bank ($3,572).

The lowest rate Pottsville lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.90%), LOANDEPOT.COM, LLC (2.92%), First National Bank of Pennsylvania (2.99%), First Citizens Community Bank (3.02%) and Homesale Mortgage, LLC (3.03%).

Pottsville, PA Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $37,900,000 $51,415,000 35.7% 10.5%
Mortgage America, Inc. $31,470,000 $29,555,000 -6.1% 6.0%
CROSSCOUNTRY MORTGAGE, LLC $14,275,000 $21,270,000 49.0% 4.4%
Manufacturers and Traders Trust Company $15,660,000 $17,640,000 12.6% 3.6%
CALIBER HOME LOANS, INC. $16,970,000 $16,095,000 -5.2% 3.3%
Wells Fargo Bank $7,760,000 $14,630,000 88.5% 3.0%
PENNSYLVANIA STATE EMPLOYEES Credit Union $13,650,000 $13,845,000 1.4% 2.8%
FREEDOM MORTGAGE CORPORATION $14,080,000 $12,980,000 -7.8% 2.7%
Santander Bank, N.A. $7,870,000 $12,730,000 61.8% 2.6%
Homesale Mortgage, LLC $10,445,000 $10,360,000 -0.8% 2.1%
Riverview Bank $19,850,000 $9,625,000 -51.5% 2.0%
Fulton Bank $6,985,000 $9,540,000 36.6% 2.0%
The Gratz Bank $11,450,000 $8,465,000 -26.1% 1.7%
Mid Penn Bank $8,910,000 $7,930,000 -11.0% 1.6%
Mortgage Research Center, LLC $5,800,000 $7,435,000 28.2% 1.5%
PENNYMAC LOAN SERVICES, LLC $2,010,000 $7,355,000 265.9% 1.5%
First National Bank of Pennsylvania $5,030,000 $7,060,000 40.4% 1.4%
Truist Bank $6,020,000 $6,670,000 10.8% 1.4%
UNITED WHOLESALE MORTGAGE, LLC $3,280,000 $6,515,000 98.6% 1.3%
Mr. Cooper ( Nationstar Mortgage ) $4,605,000 $6,475,000 40.6% 1.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $2,010,000 $6,305,000 213.7% 1.3%
First Citizens Community Bank $4,380,000 $6,265,000 43.0% 1.3%
Mauch Chunk Trust Company $5,520,000 $6,215,000 12.6% 1.3%
LOANDEPOT.COM, LLC $4,015,000 $5,960,000 48.4% 1.2%
AMERISAVE MORTGAGE CORPORATION $3,170,000 $5,745,000 81.2% 1.2%
Citizens Bank $3,345,000 $5,350,000 59.9% 1.1%
RESIDENTIAL MORTGAGE SERVICES, INC. $3,995,000 $5,190,000 29.9% 1.1%
NEWREZ LLC $1,715,000 $4,300,000 150.7% 0.9%
BROKER SOLUTIONS, INC. $1,340,000 $4,135,000 208.6% 0.8%
New Tripoli Bank $3,370,000 $4,010,000 19.0% 0.8%
MEMBERS 1ST FEDERAL CREDIT UNION $5,290,000 $3,760,000 -28.9% 0.8%
GUARANTEED RATE, INC. $3,125,000 $3,595,000 15.0% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,935,000 $3,545,000 -9.9% 0.7%
JPMorgan Chase Bank $3,345,000 $3,430,000 2.5% 0.7%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $2,480,000 $3,420,000 37.9% 0.7%
NAVY FEDERAL CREDIT UNION $3,075,000 $3,375,000 9.8% 0.7%
Northpointe Bank $3,075,000 $2,975,000 -3.3% 0.6%
EMM LOANS LLC $2,260,000 $2,835,000 25.4% 0.6%
LAKEVIEW LOAN SERVICING, LLC $900,000 $2,710,000 201.1% 0.6%
MOVEMENT MORTGAGE, LLC $1,660,000 $2,435,000 46.7% 0.5%
FINANCE OF AMERICA MORTGAGE LLC $2,025,000 $2,340,000 15.6% 0.5%
VIST Bank $4,375,000 $2,250,000 -48.6% 0.5%
PNC Bank $1,805,000 $2,195,000 21.6% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,845,000 $2,165,000 17.3% 0.4%
KeyBank $1,000,000 $2,140,000 114.0% 0.4%
Carrington Mortgage Services, LLC $1,415,000 $2,085,000 47.3% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,145,000 $2,075,000 -3.3% 0.4%
NEW DAY FINANCIAL, LLC $1,400,000 $2,015,000 43.9% 0.4%
SUCCESS MORTGAGE PARTNERS, INC. $385,000 $1,970,000 411.7% 0.4%
BETTER MORTGAGE CORPORATION $210,000 $1,945,000 826.2% 0.4%
Univest Bank and Trust Co. $245,000 $1,925,000 685.7% 0.4%
SUN WEST MORTGAGE COMPANY, INC. $1,215,000 $1,830,000 50.6% 0.4%
GUARANTEED RATE AFFINITY, LLC $605,000 $1,745,000 188.4% 0.4%
APCI Federal Credit Union $1,540,000 $1,740,000 13.0% 0.4%
Community Bank $615,000 $1,740,000 182.9% 0.4%
ROYAL UNITED MORTGAGE LLC $1,460,000 $1,730,000 18.5% 0.4%
USAA Federal Savings Bank $1,700,000 $1,710,000 0.6% 0.4%
Northwest Bank $1,885,000 $1,700,000 -9.8% 0.3%
First Columbia Bank & Trust Co. $1,535,000 $1,635,000 6.5% 0.3%
Sierra Pacific Mortgage Company, Inc. $1,620,000 n/a 0.3%
First Commonwealth Federal Credit Union $1,620,000 $1,605,000 -0.9% 0.3%
Morgan Stanley Private Bank $1,535,000 n/a 0.3%
FIRST ALLIANCE HOME MORTGAGE, LLC $950,000 $1,520,000 60.0% 0.3%
The Luzerne Bank $1,280,000 $1,520,000 18.8% 0.3%
HOMESIDE FINANCIAL, LLC $1,480,000 n/a 0.3%
Atlantic Home Loans, Inc. $1,455,000 n/a 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $535,000 $1,455,000 172.0% 0.3%
The Ephrata National Bank $265,000 $1,455,000 449.1% 0.3%
Northfield Bank $1,405,000 n/a 0.3%
TD Bank $215,000 $1,340,000 523.3% 0.3%
HOME POINT FINANCIAL CORPORATION $1,200,000 $1,300,000 8.3% 0.3%
Hometown Lenders, Inc. $175,000 $1,300,000 642.9% 0.3%
Ally Bank $420,000 $1,235,000 194.0% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $1,595,000 $1,230,000 -22.9% 0.3%
AMERICAN FINANCIAL NETWORK, INC. $455,000 $1,215,000 167.0% 0.2%
Alcova Mortgage LLC $520,000 $1,205,000 131.7% 0.2%
ESSA Bank & Trust $2,495,000 $1,130,000 -54.7% 0.2%
The Fidelity Deposit and Discount Bank $795,000 $1,125,000 41.5% 0.2%
GUILD MORTGAGE COMPANY $175,000 $1,085,000 520.0% 0.2%
Nations Lending Corporation $155,000 $1,080,000 596.8% 0.2%
First Keystone Community Bank $480,000 $1,045,000 117.7% 0.2%
FAMILY FIRST FUNDING LLC $250,000 $1,020,000 308.0% 0.2%
ZILLOW HOME LOANS, LLC $300,000 $990,000 230.0% 0.2%
FIRST HERITAGE FINANCIAL, LLC $385,000 $985,000 155.8% 0.2%
UNITED MORTGAGE CORP. $740,000 $965,000 30.4% 0.2%
ARC HOME LLC $665,000 $960,000 44.4% 0.2%
AgFirst Farm Credit Bank $1,755,000 $945,000 -46.2% 0.2%
PHH Mortgage Corporation $425,000 $940,000 121.2% 0.2%
AMERICAN FINANCING CORPORATION $565,000 $935,000 65.5% 0.2%
Prosperity Home Mortgage, LLC $185,000 $935,000 405.4% 0.2%
RELIANCE FIRST CAPITAL, LLC $530,000 $920,000 73.6% 0.2%
UNION HOME MORTGAGE CORP. $380,000 $905,000 138.2% 0.2%
Fleetwood Bank $1,135,000 $860,000 -24.2% 0.2%
American Bank $380,000 $830,000 118.4% 0.2%
AmeriHome Mortgage Company, LLC $815,000 n/a 0.2%
Jim Thorpe Neighborhood Bank $1,170,000 $810,000 -30.8% 0.2%
The Neffs National Bank $1,405,000 $810,000 -42.3% 0.2%
Customers Bank $1,175,000 $800,000 -31.9% 0.2%
Bank of America $1,380,000 $790,000 -42.8% 0.2%
STEARNS LENDING, LLC $1,660,000 $775,000 -53.3% 0.2%
Diamond Credit Union $1,825,000 $765,000 -58.1% 0.2%
Hometown Equity Mortgage, LLC $765,000 n/a 0.2%
ALLIED MORTGAGE GROUP, INC. $1,680,000 $760,000 -54.8% 0.2%
NFM, INC. $1,265,000 $750,000 -40.7% 0.2%
Barrington Bank & Trust Company, N.A. $935,000 $720,000 -23.0% 0.1%
Mid-Continent Funding, Inc. $145,000 $710,000 389.7% 0.1%
Huntingdon Valley Bank $195,000 $660,000 238.5% 0.1%
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania $1,535,000 $655,000 -57.3% 0.1%
VISIONS $200,000 $655,000 227.5% 0.1%
The Huntington National Bank $300,000 $645,000 115.0% 0.1%
ENVOY MORTGAGE, LTD $280,000 $635,000 126.8% 0.1%
SOFI LENDING CORP. $295,000 $635,000 115.3% 0.1%
Gateway First Bank $1,630,000 $625,000 -61.7% 0.1%
EQUITY RESOURCES, INC. $605,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $150,000 $605,000 303.3% 0.1%
LEBANON $530,000 $580,000 9.4% 0.1%
InterContinental Capital Group, Inc $565,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $575,000 $560,000 -2.6% 0.1%
Paramount Residential Mortgage Group, Inc. $640,000 $525,000 -18.0% 0.1%
GUIDANCE RESIDENTIAL, LLC $420,000 $505,000 20.2% 0.1%
Bank of England $445,000 $500,000 12.4% 0.1%
Flagstar Bank, FSB $620,000 $500,000 -19.4% 0.1%
GOLD Credit Union $1,380,000 $500,000 -63.8% 0.1%
First Home Bank $155,000 $495,000 219.4% 0.1%
Strong Home Mortgage, LLC $480,000 n/a 0.1%
York Traditions Bank $310,000 $480,000 54.8% 0.1%
First Guaranty Mortgage Corporation $970,000 $425,000 -56.2% 0.1%
CHOICE ONE COMMUNITY FEDERAL CREDIT UNION $55,000 $405,000 636.4% 0.1%
CLEARPATH LENDING $675,000 $405,000 -40.0% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $390,000 $405,000 3.8% 0.1%
George Mason Mortgage, LLC $405,000 n/a 0.1%
Jersey Shore State Bank $335,000 $405,000 20.9% 0.1%
Quaint Oak Mortgage, LLC $545,000 $400,000 -26.6% 0.1%
FNCB Bank $75,000 $395,000 426.7% 0.1%
First Federal Bank $390,000 n/a 0.1%
MORTGAGE ACCESS CORP. $745,000 $390,000 -47.7% 0.1%
LOANPAL, LLC $340,000 $385,000 13.2% 0.1%
PENTAGON FEDERAL CREDIT UNION $670,000 $385,000 -42.5% 0.1%
Citizens Savings Bank $400,000 $375,000 -6.3% 0.1%
First Commonwealth Bank $365,000 n/a 0.1%
UTILITIES EMPLOYEES CREDIT UNION $360,000 n/a 0.1%
BELLCO $355,000 n/a 0.1%
Presidential Bank, FSB $175,000 $350,000 100.0% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $720,000 $330,000 -54.2% 0.1%
ABSOLUTE HOME MORTGAGE CORPORATION $650,000 $320,000 -50.8% 0.1%
CONTOUR MORTGAGE CORPORATION $1,455,000 $320,000 -78.0% 0.1%
EMBRACE HOME LOANS, INC. $930,000 $320,000 -65.6% 0.1%
BOKF $315,000 n/a 0.1%
Republic Bank & Trust Company $310,000 n/a 0.1%
Dollar Bank, Federal Savings Bank $305,000 n/a 0.1%
CITADEL FEDERAL CREDIT UNION $260,000 $300,000 15.4% 0.1%
Discover Bank $200,000 $300,000 50.0% 0.1%
SWBC MORTGAGE CORPORATION $300,000 n/a 0.1%
CONSTRUCTIVE LOANS, LLC $295,000 n/a 0.1%
MMS MORTGAGE SERVICES, LTD. $290,000 n/a 0.1%
ACADEMY MORTGAGE CORPORATION $285,000 n/a 0.1%
FIRST COMMUNITY MORTGAGE, INC. $285,000 n/a 0.1%
Arvest Bank $75,000 $280,000 273.3% 0.1%
CMG MORTGAGE, INC. $175,000 $275,000 57.1% 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $275,000 n/a 0.1%
Firstrust Savings Bank $225,000 $270,000 20.0% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $265,000 n/a 0.1%
North American Savings Bank, F.S.B. $410,000 $265,000 -35.4% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $265,000 n/a 0.1%
Stifel Bank and Trust $265,000 n/a 0.1%
TIDEWATER MORTGAGE SERVICES, INC. $115,000 $260,000 126.1% 0.1%
TRIAD FINANCIAL SERVICES, INC. $255,000 $260,000 2.0% 0.1%
Phoenixville Federal Bank and Trust $255,000 n/a 0.1%
PREMIA MORTGAGE, LLC $535,000 $255,000 -52.3% 0.1%
Meridian Bank Corporation $560,000 $250,000 -55.4% 0.1%
U.S. Bank $400,000 $250,000 -37.5% 0.1%
LENDINGHOME FUNDING CORPORATION $85,000 $245,000 188.2% 0.1%
MEMBER FIRST MORTGAGE, LLC $245,000 n/a 0.1%
NATIONS DIRECT MORTGAGE, LLC $235,000 n/a 0.0%
The Federal Savings Bank $1,305,000 $235,000 -82.0% 0.0%
Valley National Bank $235,000 n/a 0.0%
AMERICAN FEDERAL MORTGAGE CORPORATION $75,000 $230,000 206.7% 0.0%
PLANET HOME LENDING, LLC $165,000 $230,000 39.4% 0.0%
EVERETT FINANCIAL, INC. $3,540,000 $225,000 -93.6% 0.0%
MCLEAN MORTGAGE CORPORATION $225,000 n/a 0.0%
Century Mortgage Company DBA Century Lending Company $220,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $215,000 n/a 0.0%
NP, Inc. $215,000 n/a 0.0%
UBS Bank USA $215,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $505,000 $210,000 -58.4% 0.0%
LEHIGH VALLEY EDUCATORS $360,000 $210,000 -41.7% 0.0%
LENDING CAPITAL GROUP Inc $165,000 $210,000 27.3% 0.0%
Victorian Finance, LLC $210,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $205,000 n/a 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $205,000 n/a 0.0%
T2 FINANCIAL LLC $200,000 n/a 0.0%
CityWorth Mortgage LLC $465,000 $195,000 -58.1% 0.0%
MidAtlantic Farm Credit, ACA $205,000 $195,000 -4.9% 0.0%
TOP FLITE FINANCIAL, INC. $75,000 $195,000 160.0% 0.0%
AMERICAN HERITAGE FCU $340,000 $185,000 -45.6% 0.0%
First National Bank of Omaha $175,000 n/a 0.0%
Keystone Funding, Inc. $175,000 n/a 0.0%
LENDERFI, INC. $175,000 n/a 0.0%
Low VA Rates, LLC $165,000 $175,000 6.1% 0.0%
OCMBC, INC. $175,000 n/a 0.0%
US MORTGAGE CORPORATION $510,000 $175,000 -65.7% 0.0%
AMERICAN ADVISORS GROUP $605,000 $170,000 -71.9% 0.0%
21ST MORTGAGE CORPORATION $225,000 $165,000 -26.7% 0.0%
Blue Ridge Bank $165,000 n/a 0.0%
POLARIS HOME FUNDING CORP. $165,000 n/a 0.0%
S&T Bank $165,000 n/a 0.0%
SUN Federal Credit Union $260,000 $165,000 -36.5% 0.0%
TIAA, FSB $445,000 $165,000 -62.9% 0.0%
PLAZA HOME MORTGAGE, INC. $515,000 $155,000 -69.9% 0.0%
POLICE & FIRE $380,000 $155,000 -59.2% 0.0%
LIMA ONE CAPITAL, LLC $150,000 n/a 0.0%
CIVIC FINANCIAL SERVICES, LLC $145,000 n/a 0.0%
Figure Lending LLC $90,000 $140,000 55.6% 0.0%
Discovery Federal Credit Union $135,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $75,000 $135,000 80.0% 0.0%
LINKBANK $225,000 $135,000 -40.0% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $125,000 n/a 0.0%
DIRECT MORTGAGE LOANS, LLC $125,000 n/a 0.0%
Fifth Third Bank $65,000 $125,000 92.3% 0.0%
HOMESTEAD FUNDING CORP. $375,000 $125,000 -66.7% 0.0%
Metro City Bank $125,000 n/a 0.0%
MLB RESIDENTIAL LENDING, LLC $125,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $105,000 $125,000 19.0% 0.0%
TRUMARK FINANCIAL CREDIT UNION $115,000 $120,000 4.3% 0.0%
LENDSURE MORTGAGE CORP. $115,000 n/a 0.0%
PEOPLE FIRST $115,000 n/a 0.0%
AmeriServ Financial Bank $145,000 $105,000 -27.6% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $105,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $105,000 n/a 0.0%
CORNING $95,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $85,000 n/a 0.0%
AmRes Corporation $485,000 $85,000 -82.5% 0.0%
First National Bank of America $145,000 $85,000 -41.4% 0.0%
Investors Bank $85,000 n/a 0.0%
SPRING EQ, LLC $35,000 $80,000 128.6% 0.0%
BNC National Bank $75,000 n/a 0.0%
HOMESPIRE MORTGAGE CORPORATION $75,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $65,000 n/a 0.0%
HERSHEY $355,000 $65,000 -81.7% 0.0%
NUMARK CREDIT UNION $65,000 $65,000 0.0% 0.0%
Plains Commerce Bank $65,000 n/a 0.0%
RIVERFRONT $555,000 $65,000 -88.3% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $320,000 $65,000 -79.7% 0.0%
Ardent Federal Credit Union $55,000 n/a 0.0%
CNB Bank $55,000 n/a 0.0%
INTERCOASTAL MORTGAGE COMPANY $55,000 n/a 0.0%
The Victory Bank $55,000 n/a 0.0%
Wayne Bank $55,000 n/a 0.0%
Fairway Consumer Discount Company $50,000 n/a 0.0%
BELCO COMMUNITY CREDIT UNION $35,000 n/a 0.0%
Citibank $35,000 n/a 0.0%
PHILADELPHIA $45,000 $35,000 -22.2% 0.0%
TOWER $75,000 $35,000 -53.3% 0.0%
JUSTICE Federal Credit Union $45,000 $25,000 -44.4% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 $15,000 -40.0% 0.0%
Sun East Federal Credit Union $15,000 n/a 0.0%

Pottsville's top lender by overall market share is QUICKEN LOANS, LLC, with 10.5% market share. In second place, with 6.0%, is Mortgage America, Inc., having originated $29,555,000 in loans. In third place, with 4.4%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $21,270,000 in loans. In third place, with 3.6%, is Manufacturers and Traders Trust Company, having originated $17,640,000 in loans. In third place, with 3.3%, is CALIBER HOME LOANS, INC., having originated $16,095,000 in loans.


Pottsville, PA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,410 $209,230,000 $148,390
Refi 1,118 $159,230,000 $142,424
Cash Out Refi 606 $94,210,000 $155,462
Home Improvement 221 $13,735,000 $62,149
Other 155 $12,115,000 $78,161

Pottsville's most frequently cited loan purpose was Home Purchase, with 1,410 originations. The 2nd most popular reason was Refi, with 1,118 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,358 $184,900,000 $136,156
2.5-3% 1,080 $170,030,000 $157,435
<2.5% 595 $80,385,000 $135,101
4-5% 180 $17,280,000 $96,000
5-6% 48 $2,500,000 $52,083
6-7% 24 $1,710,000 $71,250
7-8% 13 $615,000 $47,308
Over 8% 11 $605,000 $55,000

During 2021, Pottsville's most frequently originated rate bucket was 3-4%, with 1,358 originations.

Loan Sizing (Pottsville, PA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,517 $217,485,000 $143,365
$100,000 or less 1,308 $80,600,000 $61,621
$200k-400k 635 $164,045,000 $258,339
$400k-600k 43 $20,665,000 $480,581
$600k-1000k 6 $4,320,000 $720,000
$Over $1MM 1 $1,405,000 $1,405,000

Pottsville's loan sizing saw the bucket of loans from $100k-200k with 1,517 originations, totaling $217,485,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,352 $208,850,000 $154,475
60-80% 999 $152,345,000 $152,497
40-60% 458 $56,910,000 $124,258
20-40% 234 $17,060,000 $72,906
Under 20% 154 $4,290,000 $27,857
Over 100% 19 $3,465,000 $182,368

Pottsville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,352 originations, totaling $208,850,000 in origination value.


Market Conditions (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 $72,900 (-6.5%) $125,289 (4.4%) 0.27 575
2018-02-01 $74,900 (-3.7%) $128,032 (4.8%) 0.27 582
2018-03-01 $79,900 (0.0%) $132,553 (-3.5%) 0.28 530
2018-04-01 $74,900 (-5.2%) $132,970 (-4.1%) 0.25 531
2018-05-01 $75,900 (-1.4%) $133,506 (-2.3%) 0.25 529
2018-06-01 $75,000 (-2.3%) $131,267 (-0.4%) 0.25 568
2018-07-01 $75,000 (-4.5%) $129,071 (0.6%) 0.25 566
2018-08-01 $72,450 (-3.3%) $129,175 (3.0%) 0.24 570
2018-09-01 $75,500 (8.0%) $141,739 (16.1%) 0.25 600
2018-10-01 $77,450 (3.5%) $141,726 (11.2%) 0.26 591
2018-11-01 $75,000 (1.5%) $140,615 (11.2%) 0.25 570
2018-12-01 $74,900 (7.0%) $139,194 (11.7%) 0.26 519
2019-01-01 $79,900 (9.6%) $142,295 (13.6%) 0.28 484
2019-02-01 $74,000 (-1.2%) $142,810 (11.5%) 0.25 456
2019-03-01 $74,671 (-6.5%) $147,761 (11.5%) 0.24 464
2019-04-01 $76,621 (2.3%) $154,684 (16.3%) 0.24 488
2019-05-01 $76,500 (0.8%) $156,566 (17.3%) 0.24 504
2019-06-01 $82,500 (10.0%) $156,835 (19.5%) 0.25 521
2019-07-01 $83,700 (11.6%) $160,308 (24.2%) 0.26 538
2019-08-01 $89,957 (24.2%) $176,193 (36.4%) 0.28 500
2019-09-01 $98,657 (30.7%) $196,579 (38.7%) 0.31 431
2019-10-01 $99,900 (29.0%) $198,872 (40.3%) 0.32 440
2019-11-01 $104,900 (39.9%) $190,825 (35.7%) 0.34 397
2019-12-01 $112,000 (49.5%) $177,831 (27.8%) 0.37 383
2020-01-01 $109,950 (37.6%) $169,504 (19.1%) 0.37 328
2020-02-01 $109,900 (48.5%) $166,774 (16.8%) 0.35 285
2020-03-01 $122,400 (63.9%) $170,886 (15.7%) 0.38 279
2020-04-01 $115,000 (50.1%) $167,316 (8.2%) 0.36 257
2020-05-01 $115,000 (50.3%) $171,741 (9.7%) 0.35 265
2020-06-01 $109,000 (32.1%) $182,325 (16.3%) 0.32 252
2020-07-01 $109,150 (30.4%) $190,236 (18.7%) 0.31 217
2020-08-01 $110,000 (22.3%) $187,172 (6.2%) 0.31 196
2020-09-01 $109,500 (11.0%) $198,022 (0.7%) 0.31 183
2020-10-01 $125,000 (25.1%) $238,992 (20.2%) 0.36 181
2020-11-01 $119,950 (14.4%) $272,803 (43.0%) 0.34 171
2020-12-01 $112,500 (0.5%) $283,557 (59.5%) 0.33 157
2021-01-01 $110,000 (0.1%) $282,369 (66.6%) 0.32 152
2021-02-01 $113,950 (3.7%) $293,847 (76.2%) 0.33 106
2021-03-01 $112,450 (-8.1%) $291,343 (70.5%) 0.32 98
2021-04-01 $128,450 (11.7%) $333,943 (99.6%) 0.35 88
2021-05-01 $135,000 (17.4%) $314,643 (83.2%) 0.36 93
2021-06-01 $102,500 (-6.0%) $245,475 (34.6%) 0.27 167
2021-07-01 $112,500 (3.1%) $243,547 (28.0%) 0.29 170
2021-08-01 $111,000 (0.9%) $185,090 (-1.1%) 0.29 184
2021-09-01 $112,450 (2.7%) $178,964 (-9.6%) 0.30 192
2021-10-01 $105,000 (-16.0%) $184,976 (-22.6%) 0.28 177
2021-11-01 $94,950 (-20.8%) $171,818 (-37.0%) 0.25 188
2021-12-01 $99,000 (-12.0%) $174,786 (-38.4%) 0.26 186
2022-01-01 $98,900 (-10.1%) $174,992 (-38.0%) 0.26 165
2022-02-01 $118,500 (4.0%) $173,766 (-40.9%) 0.30 172
2022-03-01 $124,950 (11.1%) $171,495 (-41.1%) 0.31 164
2022-04-01 $137,500 (7.1%) $175,116 (-47.6%) 0.32 156
2022-05-01 $139,450 (3.3%) $180,548 (-42.6%) 0.31 169
Pottsville's median listing price for 2022-05-01 was $139,450, a difference of $4,450 (3.3%) versus the prior year and $1,950 versus the prior month.

Pottsville's median listing price comes in at 31% of the national average.

Pottsville's average listing price for 2022-05-01 was $180,548, a difference of $-134,095 (-42.6%) versus the prior year and $5,432 versus the prior month.

For the 2022-05-01 period, Pottsville had 169 MLS listings, a difference of 13 listings (8%) versus the prior month and 76 listings (82%) 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
2018-01-01 111 days 1,563 sqft
2018-02-01 110 days 1,588 sqft
2018-03-01 109 days 1,600 sqft
2018-04-01 99 days 1,598 sqft
2018-05-01 90 days 1,596 sqft
2018-06-01 69 days 1,658 sqft
2018-07-01 68 days 1,610 sqft
2018-08-01 74 days 1,622 sqft
2018-09-01 80 days 1,658 sqft
2018-10-01 76 days 1,684 sqft
2018-11-01 81 days 1,680 sqft
2018-12-01 95 days 1,680 sqft
2019-01-01 107 days 1,665 sqft
2019-02-01 106 days 1,654 sqft
2019-03-01 93 days 1,660 sqft
2019-04-01 74 days 1,667 sqft
2019-05-01 64 days 1,667 sqft
2019-06-01 67 days 1,656 sqft
2019-07-01 72 days 1,680 sqft
2019-08-01 75 days 1,707 sqft
2019-09-01 71 days 1,725 sqft
2019-10-01 65 days 1,688 sqft
2019-11-01 67 days 1,740 sqft
2019-12-01 81 days 1,724 sqft
2020-01-01 93 days 1,700 sqft
2020-02-01 100 days 1,720 sqft
2020-03-01 76 days 1,798 sqft
2020-04-01 81 days 1,804 sqft
2020-05-01 82 days 1,808 sqft
2020-06-01 55 days 1,752 sqft
2020-07-01 42 days 1,727 sqft
2020-08-01 49 days 1,700 sqft
2020-09-01 38 days 1,644 sqft
2020-10-01 45 days 1,722 sqft
2020-11-01 54 days 1,665 sqft
2020-12-01 64 days 1,618 sqft
2021-01-01 73 days 1,622 sqft
2021-02-01 72 days 1,587 sqft
2021-03-01 59 days 1,552 sqft
2021-04-01 33 days 1,634 sqft
2021-05-01 26 days 1,592 sqft
2021-06-01 19 days 1,626 sqft
2021-07-01 30 days 1,612 sqft
2021-08-01 28 days 1,637 sqft
2021-09-01 35 days 1,612 sqft
2021-10-01 42 days 1,604 sqft
2021-11-01 39 days 1,572 sqft
2021-12-01 46 days 1,556 sqft
2022-01-01 50 days 1,582 sqft
2022-02-01 49 days 1,584 sqft
2022-03-01 46 days 1,627 sqft
2022-04-01 39 days 1,628 sqft
2022-05-01 33 days 1,710 sqft
Pottsville's median listing age (time on market) for 2022-05-01 was 33 days. This is 27% longer than the same period one year ago.

Pottsville's median square footage for active listings during the 2022-05-01 period was 1,710 sqft. One year prior, the average listing was 1,592 sqft.