SCRANTON - - WILKES - BARRE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Scranton - - Wilkes - Barre averaged
7.24%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.17% and
one month ago for the week of 2025-05-15, the
average rate was 6.94%.
Scranton - - Wilkes - Barre's average rate one year ago was 6.98%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.63%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Scranton - - Wilkes - Barre 30 Year Fixed Rate | 2025-06-18 | 7.24% |
| Scranton - - Wilkes - Barre 30 Year Fixed Rate Refi | 2025-06-18 | 7.63% |
| Scranton - - Wilkes - Barre 15 Year Fixed Rate | 2025-06-18 | 6.57% |
| Scranton - - Wilkes - Barre 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Scranton - - Wilkes - Barre 30 Year FHA | 2025-06-18 | 0.12% |
| Scranton - - Wilkes - Barre 30 Year FHA Refi | 2025-06-18 | -0.45% |
| Scranton - - Wilkes - Barre 30 Year USDA | 2025-06-18 | 0.2% |
| Scranton - - Wilkes - Barre 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Scranton - - Wilkes - Barre 30 Year VA | 2025-06-18 | 0.09% |
| Scranton - - Wilkes - Barre 30 Year VA Refi | 2025-06-18 | -0.52% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SCRANTON--WILKES-BARRE, PA.
SCRANTON - - WILKES - BARRE 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 SCRANTON--WILKES-BARRE, 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.).
SCRANTON - - WILKES - BARRE Average Closing Costs & Other Stats
SCRANTON--WILKES-BARRE, PA's 226 lenders originated 10,631
loans during 2024. The total origination value was $1,793,935,000, with an average loan value of
$168,746.
SCRANTON - - WILKES - BARRE's average closing costs are $5,589.
The top SCRANTON - - WILKES - BARRE lender as defined by loan originations is QUICKEN LOANS, LLC, with
417 loans originated. Their average total fees are
$6,688, which is $555
higher than the next largest lender,
GUILD MORTGAGE COMPANY.
The lowest fee SCRANTON - - WILKES - BARRE lenders (with over 10 loans originated) are
Community Bank ($1,926), PENNSYLVANIA STATE EMPLOYEES Credit Union ($3,470), Bank of America ($3,638), U.S. Bank ($3,670) and First Columbia Bank & Trust Co. ($4,094).
The lowest rate SCRANTON - - WILKES - BARRE lenders (with over 10 loans originated) are
Peoples Security Bank and Trust Company (5.87%), NBT Bank (6.25%), NAVY FEDERAL CREDIT UNION (6.42%), Bank of America (6.43%) and FIRST MORTGAGE COMPANY, INC. (6.43%).
SCRANTON--WILKES-BARRE, PA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $107,210,000 | $154,855,000 | 44.4% | 8.6% |
| The Fidelity Deposit and Discount Bank | $84,830,000 | $87,750,000 | 3.4% | 4.9% |
| GUILD MORTGAGE COMPANY | $67,825,000 | $68,855,000 | 1.5% | 3.8% |
| Community Bank | $87,980,000 | $66,745,000 | -24.1% | 3.7% |
| The Luzerne Bank | $62,415,000 | $58,045,000 | -7.0% | 3.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $43,485,000 | $55,400,000 | 27.4% | 3.1% |
| Peoples Security Bank and Trust Company | $29,315,000 | $53,550,000 | 82.7% | 3.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $37,790,000 | $52,835,000 | 39.8% | 2.9% |
| Ixonia Bank | $22,415,000 | $52,180,000 | 132.8% | 2.9% |
| Century Mortgage Company DBA Century Lending Company | $39,940,000 | $40,320,000 | 1.0% | 2.2% |
| PNC Bank | $35,960,000 | $36,640,000 | 1.9% | 2.0% |
| M&T Bank | $32,035,000 | $36,190,000 | 13.0% | 2.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $33,060,000 | $36,025,000 | 9.0% | 2.0% |
| Mortgage Research Center, LLC | $20,765,000 | $33,280,000 | 60.3% | 1.9% |
| Citizens Bank | $36,365,000 | $30,120,000 | -17.2% | 1.7% |
| The Honesdale National Bank | $27,480,000 | $27,620,000 | 0.5% | 1.5% |
| NBT Bank | $28,810,000 | $27,435,000 | -4.8% | 1.5% |
| ESSA Bank & Trust | $18,535,000 | $26,220,000 | 41.5% | 1.5% |
| UNITED MORTGAGE CORP | $25,275,000 | n/a | 1.4% | |
| NET | $21,195,000 | $24,815,000 | 17.1% | 1.4% |
| PENNYMAC LOAN SERVICES, LLC | $12,615,000 | $23,960,000 | 89.9% | 1.3% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $18,915,000 | $23,945,000 | 26.6% | 1.3% |
| First National Bank of Pennsylvania | $18,840,000 | $23,815,000 | 26.4% | 1.3% |
| SWBC MORTGAGE CORPORATION | $16,115,000 | $23,765,000 | 47.5% | 1.3% |
| PS Bank | $17,250,000 | $22,645,000 | 31.3% | 1.3% |
| Wayne Bank | $12,485,000 | $20,910,000 | 67.5% | 1.2% |
| First Keystone Community Bank | $24,745,000 | $19,340,000 | -21.8% | 1.1% |
| NEWREZ LLC | $12,265,000 | $18,955,000 | 54.5% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $8,705,000 | $16,835,000 | 93.4% | 0.9% |
| LENDINGHOME FUNDING CORPORATION | $11,090,000 | $14,100,000 | 27.1% | 0.8% |
| Jersey Shore State Bank | $8,300,000 | $13,820,000 | 66.5% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $7,330,000 | $13,180,000 | 79.8% | 0.7% |
| Wells Fargo Bank | $12,845,000 | $12,315,000 | -4.1% | 0.7% |
| Kearny Bank | $125,000 | $12,025,000 | 9,520.0% | 0.7% |
| LOANDEPOT.COM, LLC | $8,890,000 | $11,255,000 | 26.6% | 0.6% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $8,445,000 | $10,895,000 | 29.0% | 0.6% |
| First Columbia Bank & Trust Co. | $11,215,000 | $10,835,000 | -3.4% | 0.6% |
| JPMorgan Chase Bank | $9,390,000 | $10,830,000 | 15.3% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $5,855,000 | $10,810,000 | 84.6% | 0.6% |
| BROKER SOLUTIONS, INC. | $6,505,000 | $9,750,000 | 49.9% | 0.5% |
| CROSS VALLEY FEDERAL CREDIT UNION | $4,305,000 | $9,185,000 | 113.4% | 0.5% |
| Citizens Savings Bank | $12,260,000 | $9,125,000 | -25.6% | 0.5% |
| The Dime Bank | $8,660,000 | $8,960,000 | 3.5% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,020,000 | $8,885,000 | 26.6% | 0.5% |
| CMG MORTGAGE, INC. | $5,955,000 | $8,320,000 | 39.7% | 0.5% |
| Truist | $5,005,000 | $7,650,000 | 52.8% | 0.4% |
| UNION HOME MORTGAGE CORP. | $3,445,000 | $7,530,000 | 118.6% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $355,000 | $7,330,000 | 1,964.8% | 0.4% |
| MICHIGAN MUTUAL, INC. | $975,000 | $6,870,000 | 604.6% | 0.4% |
| Bank of America | $8,060,000 | $6,550,000 | -18.7% | 0.4% |
| CHOICE ONE COMMUNITY FEDERAL CREDIT UNION | $3,580,000 | $6,515,000 | 82.0% | 0.4% |
| Alcova Mortgage LLC | $8,175,000 | $6,320,000 | -22.7% | 0.4% |
| FIRST HERITAGE FINANCIAL, LLC | $4,235,000 | $6,285,000 | 48.4% | 0.4% |
| PENN EAST Federal Credit Union | $5,225,000 | $6,265,000 | 19.9% | 0.3% |
| USAA Federal Savings Bank | $5,335,000 | $6,010,000 | 12.7% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $5,645,000 | n/a | 0.3% | |
| Discover Bank | $3,030,000 | $5,615,000 | 85.3% | 0.3% |
| Summit Mortgage Corporation | $2,620,000 | $5,600,000 | 113.7% | 0.3% |
| FIRST MORTGAGE COMPANY, INC. | $4,875,000 | $5,500,000 | 12.8% | 0.3% |
| The Federal Savings Bank | $3,350,000 | $5,420,000 | 61.8% | 0.3% |
| SERVICE 1ST | $2,415,000 | $5,175,000 | 114.3% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $6,480,000 | $5,035,000 | -22.3% | 0.3% |
| AMERICAN HERITAGE LENDING, INC. | $2,575,000 | $4,920,000 | 91.1% | 0.3% |
| Flagstar Bank, FSB | $5,485,000 | $4,860,000 | -11.4% | 0.3% |
| Citymark Federal Credit Union | $2,680,000 | $4,820,000 | 79.9% | 0.3% |
| ZILLOW HOME LOANS, LLC | $2,225,000 | $4,775,000 | 114.6% | 0.3% |
| CONSTRUCTIVE LOANS, LLC | $1,495,000 | $4,330,000 | 189.6% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $7,280,000 | $4,190,000 | -42.4% | 0.2% |
| Equity Prime Mortgage LLC | $895,000 | $4,175,000 | 366.5% | 0.2% |
| GUARANTEED RATE, INC. | $3,050,000 | $4,120,000 | 35.1% | 0.2% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $5,550,000 | $3,930,000 | -29.2% | 0.2% |
| TD Bank | $7,980,000 | $3,900,000 | -51.1% | 0.2% |
| PLANET HOME LENDING, LLC | $630,000 | $3,895,000 | 518.3% | 0.2% |
| Morgan Stanley Private Bank | $830,000 | $3,890,000 | 368.7% | 0.2% |
| U.S. Bank | $2,395,000 | $3,720,000 | 55.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,625,000 | $3,705,000 | 41.1% | 0.2% |
| Logan Finance Corporation | $1,010,000 | $3,390,000 | 235.6% | 0.2% |
| Prosperity Home Mortgage, LLC | $1,995,000 | $3,235,000 | 62.2% | 0.2% |
| Mortgage America, Inc. | $1,440,000 | $3,120,000 | 116.7% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $945,000 | $3,110,000 | 229.1% | 0.2% |
| Mid Penn Bank | $4,410,000 | $3,105,000 | -29.6% | 0.2% |
| CARDINAL FINANCIAL | $5,100,000 | $3,075,000 | -39.7% | 0.2% |
| A&D Mortgage LLC | $4,135,000 | $3,040,000 | -26.5% | 0.2% |
| FM Home Loans, LLC | $490,000 | $2,945,000 | 501.0% | 0.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $2,500,000 | $2,790,000 | 11.6% | 0.2% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $960,000 | $2,770,000 | 188.5% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,335,000 | $2,670,000 | -19.9% | 0.1% |
| East Coast Capital Corp. | $1,835,000 | $2,625,000 | 43.1% | 0.1% |
| First Northern Bank and Trust Company | $455,000 | $2,440,000 | 436.3% | 0.1% |
| NFM, INC. | $2,525,000 | $2,435,000 | -3.6% | 0.1% |
| LIMA ONE CAPITAL, LLC | $2,695,000 | $2,285,000 | -15.2% | 0.1% |
| Figure Lending LLC | $1,665,000 | $2,255,000 | 35.4% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $225,000 | $2,210,000 | 882.2% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $1,940,000 | $2,200,000 | 13.4% | 0.1% |
| NEW DAY FINANCIAL, LLC | $4,060,000 | $2,200,000 | -45.8% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $4,625,000 | $2,175,000 | -53.0% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $1,690,000 | $2,175,000 | 28.7% | 0.1% |
| Fulton Bank | $1,850,000 | $2,025,000 | 9.5% | 0.1% |
| Carrington Mortgage Services, LLC | $2,210,000 | $2,010,000 | -9.0% | 0.1% |
| SILVER HILL FUNDING, LLC | $520,000 | $1,965,000 | 277.9% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $1,470,000 | $1,875,000 | 27.6% | 0.1% |
| The Loan Store, Inc. | $1,300,000 | $1,865,000 | 43.5% | 0.1% |
| Univest Bank and Trust Co. | $5,230,000 | $1,845,000 | -64.7% | 0.1% |
| ARK MORTGAGE, INC. | $1,005,000 | $1,820,000 | 81.1% | 0.1% |
| LENDINGONE, LLC | $875,000 | $1,775,000 | 102.9% | 0.1% |
| PGMEFCU | $1,150,000 | $1,775,000 | 54.3% | 0.1% |
| Stifel Bank and Trust | $1,740,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $1,030,000 | $1,695,000 | 64.6% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $430,000 | $1,690,000 | 293.0% | 0.1% |
| The Huntington National Bank | $3,025,000 | $1,665,000 | -45.0% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $1,660,000 | n/a | 0.1% | |
| MILEND, INC. | $125,000 | $1,650,000 | 1,220.0% | 0.1% |
| Fairway Consumer Discount Company | $1,145,000 | $1,615,000 | 41.0% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,120,000 | $1,600,000 | 42.9% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,230,000 | $1,600,000 | -28.3% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $1,155,000 | $1,585,000 | 37.2% | 0.1% |
| AMWEST FUNDING CORP. | $385,000 | $1,580,000 | 310.4% | 0.1% |
| NEXERA HOLDING LLC | $115,000 | $1,575,000 | 1,269.6% | 0.1% |
| Coastal Community Bank | $890,000 | $1,550,000 | 74.2% | 0.1% |
| OCMBC, INC. | $1,140,000 | $1,400,000 | 22.8% | 0.1% |
| Meridian Bank Corporation | $430,000 | $1,390,000 | 223.3% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $905,000 | $1,380,000 | 52.5% | 0.1% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $1,125,000 | $1,380,000 | 22.7% | 0.1% |
| Luxury Mortgage Corp. | $305,000 | $1,365,000 | 347.5% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $1,985,000 | $1,365,000 | -31.2% | 0.1% |
| S&T Bank | $3,555,000 | $1,330,000 | -62.6% | 0.1% |
| Nations Lending Corporation | $925,000 | $1,315,000 | 42.2% | 0.1% |
| PEOPLE FIRST | $25,000 | $1,295,000 | 5,080.0% | 0.1% |
| UFCW COMMUNITY FCU | $2,340,000 | $1,280,000 | -45.3% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $115,000 | $1,265,000 | 1,000.0% | 0.1% |
| POLICE & FIRE | $1,095,000 | $1,225,000 | 11.9% | 0.1% |
| RADIUS FINANCIAL GROUP INC. | $820,000 | $1,190,000 | 45.1% | 0.1% |
| EMM LOANS LLC | $2,030,000 | $1,180,000 | -41.9% | 0.1% |
| BETTER MORTGAGE CORPORATION | $1,035,000 | $1,165,000 | 12.6% | 0.1% |
| Citadel Servicing Corporation | $1,180,000 | $1,165,000 | -1.3% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,190,000 | $1,145,000 | -3.8% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $705,000 | $1,135,000 | 61.0% | 0.1% |
| Keystone Funding, Inc. | $1,335,000 | $1,135,000 | -15.0% | 0.1% |
| PHH Mortgage Corporation | $1,125,000 | n/a | 0.1% | |
| NBKC BANK | $410,000 | $1,115,000 | 172.0% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $1,730,000 | $1,100,000 | -36.4% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $165,000 | $1,095,000 | 563.6% | 0.1% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $425,000 | $1,080,000 | 154.1% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $590,000 | $1,080,000 | 83.1% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,045,000 | $1,055,000 | 1.0% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,675,000 | $1,050,000 | -37.3% | 0.1% |
| NJ LENDERS CORP. | $445,000 | $1,045,000 | 134.8% | 0.1% |
| Citizens & Northern Bank | $1,250,000 | $1,040,000 | -16.8% | 0.1% |
| BAY EQUITY LLC | $1,015,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $1,485,000 | $1,010,000 | -32.0% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $305,000 | $990,000 | 224.6% | 0.1% |
| GREENTREE MORTGAGE COMPANY, L.P. | $145,000 | $985,000 | 579.3% | 0.1% |
| Greenbox Loans, Inc. | $980,000 | n/a | 0.1% | |
| Ally Bank | $1,660,000 | $975,000 | -41.3% | 0.1% |
| Wilmington Savings Fund Society, FSB | $805,000 | $975,000 | 21.1% | 0.1% |
| Customers Bank | $1,620,000 | $970,000 | -40.1% | 0.1% |
| MLB RESIDENTIAL LENDING, LLC | $955,000 | n/a | 0.1% | |
| Cornerstone First Mortgage, Inc | $245,000 | $940,000 | 283.7% | 0.1% |
| First National Bank of America | $710,000 | $915,000 | 28.9% | 0.1% |
| Servion, Inc. | $905,000 | $910,000 | 0.6% | 0.1% |
| FIRST HOME MORTGAGE CORPORATION | $235,000 | $905,000 | 285.1% | 0.1% |
| NATION ONE MORTGAGE CORPORATION | $1,360,000 | $905,000 | -33.5% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $1,285,000 | $885,000 | -31.1% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $865,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $680,000 | $850,000 | 25.0% | 0.0% |
| EMBRACE HOME LOANS, INC. | $155,000 | $830,000 | 435.5% | 0.0% |
| HOMESPIRE MORTGAGE CORPORATION | $3,960,000 | $830,000 | -79.0% | 0.0% |
| V.I.P. MORTGAGE, INC. | $830,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $310,000 | $815,000 | 162.9% | 0.0% |
| First Commonwealth Federal Credit Union | $500,000 | $810,000 | 62.0% | 0.0% |
| Firstrust Savings Bank | $465,000 | $800,000 | 72.0% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,800,000 | $800,000 | -71.4% | 0.0% |
| First Citizens Community Bank | $1,070,000 | $795,000 | -25.7% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $370,000 | $780,000 | 110.8% | 0.0% |
| Waterstone Mortgage Corporation | $820,000 | $780,000 | -4.9% | 0.0% |
| CLEARPATH LENDING | $515,000 | $770,000 | 49.5% | 0.0% |
| DAS Acquisition Company, LLC | $765,000 | n/a | 0.0% | |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | $765,000 | n/a | 0.0% | |
| Phoenixville Federal Bank and Trust | $245,000 | $755,000 | 208.2% | 0.0% |
| HARTFORD FUNDING, LTD. | $750,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $1,400,000 | $750,000 | -46.4% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $735,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,860,000 | $735,000 | -81.0% | 0.0% |
| SIRVA MORTGAGE, INC. | $860,000 | $730,000 | -15.1% | 0.0% |
| Orrstown Bank | $285,000 | $725,000 | 154.4% | 0.0% |
| BM Real Estate Services, Inc. | $690,000 | n/a | 0.0% | |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | $685,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $415,000 | $670,000 | 61.4% | 0.0% |
| US MORTGAGE CORPORATION | $505,000 | $670,000 | 32.7% | 0.0% |
| JERSEY MORTGAGE COMPANY OF NEW JERSEY, INC. | $165,000 | $655,000 | 297.0% | 0.0% |
| AmeriServ Financial Bank | $650,000 | n/a | 0.0% | |
| Ponce Bank | $645,000 | n/a | 0.0% | |
| LENDING CAPITAL GROUP Inc | $310,000 | $640,000 | 106.5% | 0.0% |
| AMERICAN HERITAGE FCU | $225,000 | $620,000 | 175.6% | 0.0% |
| AmeriHome Mortgage Company, LLC | $510,000 | $605,000 | 18.6% | 0.0% |
| EVANSVILLE TEACHERS | $185,000 | $605,000 | 227.0% | 0.0% |
| York Traditions Bank | $345,000 | $605,000 | 75.4% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $165,000 | $590,000 | 257.6% | 0.0% |
| JMAC LENDING, INC. | $585,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $205,000 | $585,000 | 185.4% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $580,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $195,000 | $575,000 | 194.9% | 0.0% |
| AMERICAN FINANCING CORPORATION | $310,000 | $565,000 | 82.3% | 0.0% |
| BANC ONE MORTGAGE CORPORATION | $565,000 | n/a | 0.0% | |
| Abbott Laboratories Employees Credit Union | $555,000 | n/a | 0.0% | |
| UIF CORPORATION | $245,000 | $550,000 | 124.5% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $905,000 | $545,000 | -39.8% | 0.0% |
| Mid-Continent Funding, Inc. | $580,000 | $545,000 | -6.0% | 0.0% |
| Mifflinburg Bank and Trust Company | $545,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $115,000 | $530,000 | 360.9% | 0.0% |
| Jim Thorpe Neighborhood Bank | $1,585,000 | $530,000 | -66.6% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $1,070,000 | $525,000 | -50.9% | 0.0% |
| SELF RELIANCE NY Federal Credit Union | $525,000 | n/a | 0.0% | |
| University Bank | $525,000 | n/a | 0.0% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $245,000 | $520,000 | 112.2% | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $520,000 | n/a | 0.0% | |
| Plains Commerce Bank | $3,115,000 | $510,000 | -83.6% | 0.0% |
| KeyBank | $355,000 | $505,000 | 42.3% | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | $495,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $520,000 | $495,000 | -4.8% | 0.0% |
| South State Bank | $485,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $515,000 | $480,000 | -6.8% | 0.0% |
| Ukrainian Selfreliance Federal Credit Union | $205,000 | $480,000 | 134.1% | 0.0% |
| MY MORTGAGE, INC. | $470,000 | n/a | 0.0% | |
| 1ST SIGNATURE LENDING, LLC | $900,000 | $460,000 | -48.9% | 0.0% |
| Acre Mortgage and Financial Inc | $775,000 | $460,000 | -40.6% | 0.0% |
| GREENSTATE CREDIT UNION | $455,000 | n/a | 0.0% | |
| LOANPAL, LLC | $455,000 | n/a | 0.0% | |
| Semper Home Loans, Inc. | $115,000 | $455,000 | 295.7% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $555,000 | $455,000 | -18.0% | 0.0% |
| MID-ISLAND MORTGAGE CORP. | $350,000 | $445,000 | 27.1% | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | $495,000 | $440,000 | -11.1% | 0.0% |
| Valley National Bank | $440,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $430,000 | n/a | 0.0% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $695,000 | $425,000 | -38.8% | 0.0% |
| PHILADELPHIA | $310,000 | $425,000 | 37.1% | 0.0% |
| Sun East Federal Credit Union | $55,000 | $425,000 | 672.7% | 0.0% |
| DIGITAL Federal Credit Union | $95,000 | $420,000 | 342.1% | 0.0% |
| NEW FED MORTGAGE, CORP. | $410,000 | n/a | 0.0% | |
| Northwest Bank | $660,000 | $405,000 | -38.6% | 0.0% |
| LENDSURE MORTGAGE CORP. | $155,000 | $400,000 | 158.1% | 0.0% |
| MORTGAGE ACCESS CORP. | $280,000 | $400,000 | 42.9% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $165,000 | $400,000 | 142.4% | 0.0% |
| Commerce Home Mortgage, Inc. | $390,000 | n/a | 0.0% | |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | $355,000 | $385,000 | 8.5% | 0.0% |
| ARC HOME LLC | $1,685,000 | $375,000 | -77.7% | 0.0% |
| Charles Schwab Bank, SSB | $395,000 | $375,000 | -5.1% | 0.0% |
| Municipal Credit Union | $370,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $370,000 | n/a | 0.0% | |
| Citibank | $2,395,000 | $365,000 | -84.8% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $640,000 | $365,000 | -43.0% | 0.0% |
| Parke Bank | $260,000 | $365,000 | 40.4% | 0.0% |
| CLIFFCO, INC. | $695,000 | $360,000 | -48.2% | 0.0% |
| Leader Bank | $150,000 | $360,000 | 140.0% | 0.0% |
| Provident Bank | $360,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $1,125,000 | $360,000 | -68.0% | 0.0% |
| Bank of Oak Ridge | $355,000 | n/a | 0.0% | |
| CORNING | $320,000 | $355,000 | 10.9% | 0.0% |
| Brighton Bank | $235,000 | $350,000 | 48.9% | 0.0% |
| Flanagan State Bank | $350,000 | $340,000 | -2.9% | 0.0% |
| Commercial Bank of Texas | $335,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $45,000 | $335,000 | 644.4% | 0.0% |
| Magnolia Bank | $515,000 | $335,000 | -35.0% | 0.0% |
| UNITED | $325,000 | n/a | 0.0% | |
| Mauch Chunk Trust Company | $860,000 | $320,000 | -62.8% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $320,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $965,000 | $310,000 | -67.9% | 0.0% |
| BMO Harris Bank | $305,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $780,000 | $305,000 | -60.9% | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $95,000 | $300,000 | 215.8% | 0.0% |
| MidAtlantic Farm Credit, ACA | $1,095,000 | $300,000 | -72.6% | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $145,000 | $300,000 | 106.9% | 0.0% |
| Berkshire Bank | $295,000 | n/a | 0.0% | |
| FirstBank | $290,000 | n/a | 0.0% | |
| Quaint Oak Mortgage, LLC | $410,000 | $285,000 | -30.5% | 0.0% |
| NexBank | $235,000 | $270,000 | 14.9% | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $265,000 | n/a | 0.0% | |
| Axos Bank | $265,000 | n/a | 0.0% | |
| Bank of Hope | $265,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $265,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $405,000 | $260,000 | -35.8% | 0.0% |
| CITADEL FEDERAL CREDIT UNION | $155,000 | $260,000 | 67.7% | 0.0% |
| ALLIANT CREDIT UNION | $25,000 | $255,000 | 920.0% | 0.0% |
| Ameris Bank | $255,000 | n/a | 0.0% | |
| New Tripoli Bank | $255,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $245,000 | n/a | 0.0% | |
| LOANLEADERS OF AMERICA, INC. | $245,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $290,000 | $245,000 | -15.5% | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | $105,000 | $240,000 | 128.6% | 0.0% |
| Diamond Credit Union | $800,000 | $240,000 | -70.0% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $1,795,000 | $235,000 | -86.9% | 0.0% |
| Strong Home Mortgage, LLC | $235,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $225,000 | n/a | 0.0% | |
| SUMA YONKERS Federal Credit Union | $225,000 | n/a | 0.0% | |
| Arvest Bank | $215,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $175,000 | $215,000 | 22.9% | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | $215,000 | n/a | 0.0% | |
| Simmons Bank | $215,000 | n/a | 0.0% | |
| Capital Bank | $205,000 | n/a | 0.0% | |
| Elements Financial Federal Credit Union | $205,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $205,000 | n/a | 0.0% | |
| Unity Bank | $205,000 | n/a | 0.0% | |
| WRIGHT-PATT CREDIT UNION, INC. | $205,000 | n/a | 0.0% | |
| APCI Federal Credit Union | $105,000 | $195,000 | 85.7% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $195,000 | n/a | 0.0% | |
| MORTGAGE EQUITY PARTNERS LLC | $195,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $195,000 | n/a | 0.0% | |
| Susquehanna Community Bank | $45,000 | $185,000 | 311.1% | 0.0% |
| Northpointe Bank | $2,025,000 | $175,000 | -91.4% | 0.0% |
| Homesale Mortgage, LLC | $820,000 | $165,000 | -79.9% | 0.0% |
| Quontic Bank | $165,000 | n/a | 0.0% | |
| First Heritage Mortgage, LLC | $155,000 | n/a | 0.0% | |
| Performance Financial, Inc. | $155,000 | n/a | 0.0% | |
| Bank of Bird-in-Hand | $145,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $145,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $730,000 | $145,000 | -80.1% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $380,000 | $145,000 | -61.8% | 0.0% |
| Parda Federal Credit Union | $145,000 | n/a | 0.0% | |
| TIDEWATER MORTGAGE SERVICES, INC. | $145,000 | n/a | 0.0% | |
| Union Savings Bank | $145,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| BOND STREET MORTGAGE, LLC | $135,000 | n/a | 0.0% | |
| Civista Bank | $135,000 | n/a | 0.0% | |
| LAFAYETTE FEDERAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| FREEDOM CREDIT UNION | $240,000 | $130,000 | -45.8% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $235,000 | $125,000 | -46.8% | 0.0% |
| First Federal Bank | $1,055,000 | $125,000 | -88.2% | 0.0% |
| Gateway First Bank | $125,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $95,000 | $125,000 | 31.6% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $245,000 | $125,000 | -49.0% | 0.0% |
| POLISH & SLAVIC FEDERAL CREDIT UNION | $125,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $800,000 | $125,000 | -84.4% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $115,000 | n/a | 0.0% | |
| The Ephrata National Bank | $115,000 | n/a | 0.0% | |
| CORPORATE AMERICA FAMILY | $105,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $105,000 | n/a | 0.0% | |
| Sunflower Bank | $105,000 | n/a | 0.0% | |
| NORTHPOINT MORTGAGE, INC. | $95,000 | n/a | 0.0% | |
| Woori America Bank | $95,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $85,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $55,000 | $75,000 | 36.4% | 0.0% |
| HighTechLending Inc | $45,000 | $75,000 | 66.7% | 0.0% |
| Members Choice Financial Credit Union | $240,000 | $75,000 | -68.8% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $65,000 | n/a | 0.0% | |
| CENTRAL ONE FEDERAL CREDIT UNION | $60,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $55,000 | $55,000 | 0.0% | 0.0% |
| BELCO COMMUNITY CREDIT UNION | $55,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $740,000 | $55,000 | -92.6% | 0.0% |
| ITHINK FINANCIAL Credit Union | $55,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $45,000 | n/a | 0.0% | |
| GARDEN SAVINGS FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| PALCO FEDERAL CREDIT UNION | $160,000 | $45,000 | -71.9% | 0.0% |
| TRI COUNTY AREA Federal Credit Union | $95,000 | $45,000 | -52.6% | 0.0% |
| New Cumberland Federal Credit Union | $35,000 | n/a | 0.0% |
SCRANTON - - WILKES - BARRE's top lender by overall market share is QUICKEN LOANS, LLC, with 8.6% market share. In second place, with 4.9%, is The Fidelity Deposit and Discount Bank, having originated $87,750,000 in loans. In third place, with 3.8%, is GUILD MORTGAGE COMPANY, having originated $68,855,000 in loans. In fourth place, with 3.7%, is Community Bank, having originated $66,745,000 in loans. In fifth place, with 3.2%, is The Luzerne Bank, having originated $58,045,000 in loans.
SCRANTON--WILKES-BARRE, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 5,370 | $1,171,150,000 | $218,091 |
| Home Improvement | 1,530 | $139,040,000 | $90,876 |
| Cash Out Refi | 1,287 | $205,865,000 | $159,957 |
| Refi | 1,234 | $183,350,000 | $148,582 |
| Other | 1,204 | $94,050,000 | $78,115 |
| NA | 6 | $480,000 | $80,000 |
Scranton - - Wilkes - Barre's most frequently cited loan purpose was Home Purchase, with 5,370 originations. The 2nd most popular reason was Home Improvement, with 1,530 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 3,896 | $790,170,000 | $202,816 |
| Over 8% | 2,408 | $267,470,000 | $111,076 |
| 7-8% | 2,345 | $422,865,000 | $180,326 |
| 5-6% | 1,051 | $206,705,000 | $196,675 |
| <2.5% | 262 | $17,130,000 | $65,382 |
| 4-5% | 85 | $12,905,000 | $151,824 |
| 3-4% | 63 | $6,535,000 | $103,730 |
| 2.5-3% | 26 | $1,600,000 | $61,538 |
During 2024, Scranton - - Wilkes - Barre's most frequently originated rate bucket was 6-7%, with 3,896 originations.
Loan Sizing (SCRANTON--WILKES-BARRE, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 4,099 | $603,395,000 | $147,205 |
| $100,000 or less | 3,394 | $185,580,000 | $54,679 |
| $200k-400k | 2,661 | $700,075,000 | $263,087 |
| $400k-600k | 326 | $152,580,000 | $468,037 |
| $600k-1000k | 123 | $87,945,000 | $715,000 |
| $Over $1MM | 28 | $64,360,000 | $2,298,571 |
SCRANTON - - WILKES - BARRE's loan sizing saw the bucket of loans from $100k-200k with 4,099 originations, totaling $603,395,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 3,736 | $845,170,000 | $226,223 |
| 60-80% | 2,352 | $480,910,000 | $204,469 |
| 20-40% | 1,547 | $136,145,000 | $88,006 |
| Under 20% | 1,316 | $55,140,000 | $41,900 |
| 40-60% | 1,018 | $164,340,000 | $161,434 |
| Over 100% | 69 | $21,505,000 | $311,667 |
SCRANTON - - WILKES - BARRE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 3,736 originations, totaling $845,170,000 in origination value.