Selinsgrove Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Selinsgrove averaged
6.77%
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% and
one month ago for the week of 2025-05-15, the
average rate was 6.67%.
Selinsgrove's average rate one year ago was 7.21%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.41%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Selinsgrove 30 Year Fixed Rate | 2025-06-18 | 6.77% |
| Selinsgrove 30 Year Fixed Rate Refi | 2025-06-18 | 7.41% |
| Selinsgrove 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Selinsgrove 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Selinsgrove 30 Year FHA | 2025-06-18 | -0.2% |
| Selinsgrove 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Selinsgrove 30 Year USDA | 2025-06-18 | -0.2% |
| Selinsgrove 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Selinsgrove 30 Year VA | 2025-06-18 | 0.1% |
| Selinsgrove 30 Year VA Refi | 2025-06-18 | -0.2% |
Selinsgrove 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 Selinsgrove, 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.).
Selinsgrove Average Closing Costs & Other Stats
Selinsgrove, PA's 32 lenders originated 454
loans during 2024. The total origination value was $73,750,000, with an average loan value of
$162,445.
Selinsgrove's average closing costs are $5,592.
The top Selinsgrove lender as defined by loan originations is QUICKEN LOANS, LLC, with
9 loans originated. Their average total fees are
$6,777, which is $4,184
higher than the next largest lender,
PENNSYLVANIA STATE EMPLOYEES Credit Union.
The lowest fee Selinsgrove lenders (with over 10 loans originated) are
.
The lowest rate Selinsgrove lenders (with over 10 loans originated) are
.
Selinsgrove, 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 |
|---|---|---|---|---|
| WALKER & DUNLOP, LLC | $11,285,000 | n/a | 15.3% | |
| Fulton Bank | $7,865,000 | $9,580,000 | 21.8% | 13.0% |
| Susquehanna Community Bank | $7,420,000 | $6,785,000 | -8.6% | 9.2% |
| QUICKEN LOANS, LLC | $6,130,000 | $5,125,000 | -16.4% | 6.9% |
| SERVICE 1ST | $2,120,000 | $4,615,000 | 117.7% | 6.3% |
| Mifflinburg Bank and Trust Company | $6,120,000 | $3,560,000 | -41.8% | 4.8% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $3,840,000 | $3,475,000 | -9.5% | 4.7% |
| First National Bank of Pennsylvania | $3,705,000 | $2,760,000 | -25.5% | 3.7% |
| M&T Bank | $1,080,000 | $2,340,000 | 116.7% | 3.2% |
| MidAtlantic Farm Credit, ACA | $785,000 | $1,635,000 | 108.3% | 2.2% |
| FIRST HERITAGE FINANCIAL, LLC | $740,000 | $1,550,000 | 109.5% | 2.1% |
| Truist | $810,000 | $1,485,000 | 83.3% | 2.0% |
| First Columbia Bank & Trust Co. | $940,000 | $1,470,000 | 56.4% | 2.0% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $620,000 | $1,180,000 | 90.3% | 1.6% |
| Mortgage Research Center, LLC | $1,255,000 | $1,070,000 | -14.7% | 1.5% |
| UNION HOME MORTGAGE CORP. | $860,000 | n/a | 1.2% | |
| UNITED WHOLESALE MORTGAGE, LLC | $1,600,000 | $740,000 | -53.8% | 1.0% |
| Mortgage America, Inc. | $1,450,000 | $710,000 | -51.0% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $385,000 | $700,000 | 81.8% | 0.9% |
| USAA Federal Savings Bank | $215,000 | $655,000 | 204.7% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $595,000 | n/a | 0.8% | |
| Kish Bank | $395,000 | $550,000 | 39.2% | 0.7% |
| Reliance Savings Bank | $490,000 | n/a | 0.7% | |
| AgFirst Farm Credit Bank | $465,000 | n/a | 0.6% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $650,000 | $465,000 | -28.5% | 0.6% |
| Paramount Residential Mortgage Group, Inc. | $455,000 | n/a | 0.6% | |
| PENNYMAC LOAN SERVICES, LLC | $195,000 | $410,000 | 110.3% | 0.6% |
| Citizens & Northern Bank | $405,000 | n/a | 0.5% | |
| ALLIED MORTGAGE GROUP, INC. | $410,000 | $370,000 | -9.8% | 0.5% |
| Waterstone Mortgage Corporation | $1,280,000 | $350,000 | -72.7% | 0.5% |
| NEWREZ LLC | $345,000 | n/a | 0.5% | |
| The Ephrata National Bank | $780,000 | $340,000 | -56.4% | 0.5% |
| Discover Bank | $110,000 | $325,000 | 195.5% | 0.4% |
| Wells Fargo Bank | $305,000 | n/a | 0.4% | |
| NAVY FEDERAL CREDIT UNION | $850,000 | $300,000 | -64.7% | 0.4% |
| The Juniata Valley Bank | $215,000 | $295,000 | 37.2% | 0.4% |
| First Keystone Community Bank | $115,000 | $290,000 | 152.2% | 0.4% |
| HOMESPIRE MORTGAGE CORPORATION | $275,000 | n/a | 0.4% | |
| NATIONS DIRECT MORTGAGE, LLC | $275,000 | n/a | 0.4% | |
| PNC Bank | $55,000 | $255,000 | 363.6% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $235,000 | $240,000 | 2.1% | 0.3% |
| Members Choice Financial Credit Union | $1,125,000 | $235,000 | -79.1% | 0.3% |
| LOANDEPOT.COM, LLC | $865,000 | $225,000 | -74.0% | 0.3% |
| JPMorgan Chase Bank | $145,000 | $220,000 | 51.7% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $185,000 | $215,000 | 16.2% | 0.3% |
| EQUITY RESOURCES, INC. | $215,000 | n/a | 0.3% | |
| TOWNE MORTGAGE COMPANY | $215,000 | n/a | 0.3% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $175,000 | $205,000 | 17.1% | 0.3% |
| Univest Bank and Trust Co. | $205,000 | n/a | 0.3% | |
| Flagstar Bank, FSB | $185,000 | n/a | 0.3% | |
| Orrstown Bank | $35,000 | $175,000 | 400.0% | 0.2% |
| Pennian Bank | $175,000 | n/a | 0.2% | |
| Citizens Bank | $715,000 | $170,000 | -76.2% | 0.2% |
| CARDINAL FINANCIAL | $165,000 | n/a | 0.2% | |
| PLAZA HOME MORTGAGE, INC. | $165,000 | n/a | 0.2% | |
| FIRST COMMUNITY MORTGAGE, INC. | $155,000 | n/a | 0.2% | |
| A&D Mortgage LLC | $135,000 | n/a | 0.2% | |
| Legends Bank | $125,000 | n/a | 0.2% | |
| NFM, INC. | $275,000 | $125,000 | -54.5% | 0.2% |
| The Huntington National Bank | $125,000 | n/a | 0.2% | |
| MOVEMENT MORTGAGE, LLC | $115,000 | n/a | 0.2% | |
| PALCO FEDERAL CREDIT UNION | $110,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $105,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $105,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $85,000 | n/a | 0.1% | |
| BROKER SOLUTIONS, INC. | $495,000 | $75,000 | -84.8% | 0.1% |
| BETTER MORTGAGE CORPORATION | $65,000 | n/a | 0.1% | |
| SUN Federal Credit Union | $65,000 | n/a | 0.1% | |
| Figure Lending LLC | $60,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $35,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $35,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $415,000 | $25,000 | -94.0% | 0.0% |
| Coastal Community Bank | $45,000 | $15,000 | -66.7% | 0.0% |
| Jersey Shore State Bank | $795,000 | $5,000 | -99.4% | 0.0% |
Selinsgrove's top lender by overall market share is WALKER & DUNLOP, LLC, with 15.3% market share. In second place, with 13.0%, is Fulton Bank, having originated $9,580,000 in loans. In third place, with 9.2%, is Susquehanna Community Bank, having originated $6,785,000 in loans. In fourth place, with 6.9%, is QUICKEN LOANS, LLC, having originated $5,125,000 in loans. In fifth place, with 6.3%, is SERVICE 1ST, having originated $4,615,000 in loans.
Selinsgrove, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 172 | $45,240,000 | $263,023 |
| Other | 90 | $7,090,000 | $78,778 |
| Refi | 81 | $11,345,000 | $140,062 |
| Home Improvement | 73 | $4,765,000 | $65,274 |
| Cash Out Refi | 38 | $5,310,000 | $139,737 |
Selinsgrove's most frequently cited loan purpose was Home Purchase, with 172 originations. The 2nd most popular reason was Other, with 90 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 174 | $36,500,000 | $209,770 |
| Over 8% | 91 | $7,945,000 | $87,308 |
| 7-8% | 69 | $10,725,000 | $155,435 |
| 5-6% | 38 | $5,890,000 | $155,000 |
| <2.5% | 4 | $650,000 | $162,500 |
| 4-5% | 3 | $385,000 | $128,333 |
| 2.5-3% | 1 | $115,000 | $115,000 |
During 2024, Selinsgrove's most frequently originated rate bucket was 6-7%, with 174 originations.
Loan Sizing (Selinsgrove, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 189 | $9,795,000 | $51,825 |
| $100k-200k | 159 | $22,695,000 | $142,736 |
| $200k-400k | 93 | $23,995,000 | $258,011 |
| $400k-600k | 10 | $4,660,000 | $466,000 |
| $600k-1000k | 2 | $1,320,000 | $660,000 |
| $Over $1MM | 1 | $11,285,000 | $11,285,000 |
Selinsgrove's loan sizing saw the bucket of loans from $100,000 or less with 189 originations, totaling $9,795,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 104 | $21,520,000 | $206,923 |
| 20-40% | 92 | $7,580,000 | $82,391 |
| Under 20% | 68 | $2,460,000 | $36,176 |
| 60-80% | 61 | $22,495,000 | $368,770 |
| 40-60% | 47 | $5,895,000 | $125,426 |
| Over 100% | 4 | $1,380,000 | $345,000 |
Selinsgrove's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 104 originations, totaling $21,520,000 in origination value.