Selinsgrove Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Selinsgrove averaged 6.96% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

The average rate for the prior week (2024-04-11) was 7.04% and one month ago for the week of 2024-03-14, the average rate was 6.6%.

Selinsgrove's average rate one year ago was 6.03%.

For refis of the same type during the week of 2024-04-18, the average rate was 7.7%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-18 7.1%
Selinsgrove 30 Year Fixed Rate 2024-04-18 6.96%
Selinsgrove 30 Year Fixed Rate Refi 2024-04-18 7.7%
Selinsgrove 15 Year Fixed Rate 2024-04-18 6.49%
Selinsgrove 15 Year Fixed Rate Refi 2024-04-18 6.79%
Selinsgrove 30 Year FHA 2024-04-18 6.86%
Selinsgrove 30 Year FHA Refi 2024-04-18 6.86%
Selinsgrove 30 Year USDA 2024-04-18 6.66%
Selinsgrove 30 Year USDA Refi 2024-04-18 6.96%
Selinsgrove 30 Year VA 2024-04-18 6.56%
Selinsgrove 30 Year VA Refi 2024-04-18 6.86%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Selinsgrove, PA.

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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
QUICKEN LOANS, LLC 13 6.86% $6,110
Fulton Bank 12 6.83% $5,073
PENNSYLVANIA STATE EMPLOYEES Credit Union 9 6.31% $2,758
Mortgage America, Inc. 7 6.41% $4,244
First National Bank of Pennsylvania 7 6.96% $4,276
SERVICE 1ST 6 6.96% $3,672
UNITED WHOLESALE MORTGAGE, LLC 5 6.70% $6,826
CROSSCOUNTRY MORTGAGE, LLC 3 7.61% $5,222
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 6.79% $4,296
First Columbia Bank & Trust Co. 2 6.63% $4,888
Waterstone Mortgage Corporation 2 6.13% $9,018
FIRST HERITAGE FINANCIAL, LLC 2 7.19% $4,894
M&T Bank 2 7.19% $4,571
LOANDEPOT.COM, LLC 2 5.81% $10,528
NAVY FEDERAL CREDIT UNION 2 6.94% $4,397
Truist 1 6.60% $6,547
U.S. Bank 1 7.50% $7,637
AMERICAN HERITAGE FCU 1 6.13% $5,048
Wilmington Savings Fund Society, FSB 1 7.50% $2,959
CHURCHILL MORTGAGE CORPORATION 1 6.63% $5,098
Citizens Bank 1 7.00% $6,246
CONTOUR MORTGAGE CORPORATION 1 6.88% $8,849
First Commonwealth Bank 1 7.49% $6,206
GUILD MORTGAGE COMPANY 1 5.88% $3,870
JPMorgan Chase Bank 1 6.13% $6,740
Kish Bank 1 6.13% $2,929
LIBERTY HOME MORTGAGE CORPORATION 1 6.88% $10,050
MEMBERS 1ST FEDERAL CREDIT UNION 1 5.88% $3,264
MidAtlantic Farm Credit, ACA 1 7.27% $3,763
NFM, INC. 1 6.50% $8,239
POLICE & FIRE 1 6.38% $3,371
RUOFF MORTGAGE COMPANY, INC. 1 5.88% $6,111
The Muncy Bank and Trust Company 1 7.25% $2,469

Selinsgrove Average Closing Costs & Other Stats

Selinsgrove, PA's 33 lenders originated 464 loans during 2023. The total origination value was $63,950,000, with an average loan value of $137,823.

Selinsgrove's average closing costs are $5,550.

The top Selinsgrove lender as defined by loan originations is QUICKEN LOANS, LLC, with 13 loans originated. Their average total fees are $6,110, which is $1,037 higher than the next largest lender, Fulton Bank.

The lowest fee Selinsgrove lenders (with over 10 loans originated) are Fulton Bank ($5,073), QUICKEN LOANS, LLC ($6,110), .

The lowest rate Selinsgrove lenders (with over 10 loans originated) are Fulton Bank (6.83%), QUICKEN LOANS, LLC (6.86%), .

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Fulton Bank $10,720,000 $7,865,000 -26.6% 12.3%
Susquehanna Community Bank $9,640,000 $7,420,000 -23.0% 11.6%
QUICKEN LOANS, LLC $7,780,000 $6,130,000 -21.2% 9.6%
Mifflinburg Bank and Trust Company $5,680,000 $6,120,000 7.7% 9.6%
PENNSYLVANIA STATE EMPLOYEES Credit Union $6,220,000 $3,840,000 -38.3% 6.0%
First National Bank of Pennsylvania $6,715,000 $3,705,000 -44.8% 5.8%
SERVICE 1ST $930,000 $2,120,000 128.0% 3.3%
UNITED WHOLESALE MORTGAGE, LLC $1,545,000 $1,600,000 3.6% 2.5%
Mortgage America, Inc. $1,120,000 $1,450,000 29.5% 2.3%
Waterstone Mortgage Corporation $685,000 $1,280,000 86.9% 2.0%
Mortgage Research Center, LLC $1,260,000 $1,255,000 -0.4% 2.0%
Members Choice Financial Credit Union $1,125,000 n/a 1.8%
M&T Bank $3,515,000 $1,080,000 -69.3% 1.7%
First Columbia Bank & Trust Co. $1,100,000 $940,000 -14.5% 1.5%
LOANDEPOT.COM, LLC $1,275,000 $865,000 -32.2% 1.4%
NAVY FEDERAL CREDIT UNION $735,000 $850,000 15.6% 1.3%
Truist $2,350,000 $810,000 -65.5% 1.3%
UNB Bank $805,000 n/a 1.3%
Jersey Shore State Bank $1,235,000 $795,000 -35.6% 1.2%
MidAtlantic Farm Credit, ACA $1,425,000 $785,000 -44.9% 1.2%
The Ephrata National Bank $560,000 $780,000 39.3% 1.2%
FIRST HERITAGE FINANCIAL, LLC $1,985,000 $740,000 -62.7% 1.2%
Citizens Bank $565,000 $715,000 26.5% 1.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $635,000 $650,000 2.4% 1.0%
MEMBERS 1ST FEDERAL CREDIT UNION $510,000 $620,000 21.6% 1.0%
BROKER SOLUTIONS, INC. $495,000 $495,000 0.0% 0.8%
U.S. Bank $505,000 $465,000 -7.9% 0.7%
LIBERTY HOME MORTGAGE CORPORATION $365,000 $450,000 23.3% 0.7%
AMERISAVE MORTGAGE CORPORATION $525,000 $415,000 -21.0% 0.6%
ALLIED MORTGAGE GROUP, INC. $505,000 $410,000 -18.8% 0.6%
Kish Bank $655,000 $395,000 -39.7% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $260,000 $385,000 48.1% 0.6%
Keystone Funding, Inc. $385,000 n/a 0.6%
RELIANCE FIRST CAPITAL, LLC $320,000 n/a 0.5%
BELCO COMMUNITY CREDIT UNION $85,000 $305,000 258.8% 0.5%
NFM, INC. $275,000 n/a 0.4%
FREEDOM MORTGAGE CORPORATION $535,000 $235,000 -56.1% 0.4%
CHURCHILL MORTGAGE CORPORATION $225,000 n/a 0.4%
CONTOUR MORTGAGE CORPORATION $225,000 n/a 0.4%
POLICE & FIRE $25,000 $215,000 760.0% 0.3%
The Juniata Valley Bank $1,080,000 $215,000 -80.1% 0.3%
USAA Federal Savings Bank $1,010,000 $215,000 -78.7% 0.3%
The Muncy Bank and Trust Company $555,000 $210,000 -62.2% 0.3%
Carrington Mortgage Services, LLC $205,000 n/a 0.3%
EMM LOANS LLC $195,000 n/a 0.3%
MORTGAGE SOLUTIONS OF COLORADO, LLC $195,000 n/a 0.3%
PENNYMAC LOAN SERVICES, LLC $625,000 $195,000 -68.8% 0.3%
ZILLOW HOME LOANS, LLC $580,000 $195,000 -66.4% 0.3%
Century Mortgage Company DBA Century Lending Company $185,000 n/a 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $175,000 n/a 0.3%
Prosperity Home Mortgage, LLC $175,000 n/a 0.3%
First Commonwealth Bank $520,000 $165,000 -68.3% 0.3%
Wilmington Savings Fund Society, FSB $165,000 n/a 0.3%
GUARANTEED RATE AFFINITY, LLC $355,000 $145,000 -59.2% 0.2%
JPMorgan Chase Bank $450,000 $145,000 -67.8% 0.2%
The Federal Savings Bank $275,000 $145,000 -47.3% 0.2%
GUARANTEED RATE, INC. $135,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $135,000 $125,000 -7.4% 0.2%
First Keystone Community Bank $1,130,000 $115,000 -89.8% 0.2%
Discover Bank $75,000 $110,000 46.7% 0.2%
Empower Federal Credit Union $105,000 n/a 0.2%
RUOFF MORTGAGE COMPANY, INC. $105,000 n/a 0.2%
Third Federal Savings and Loan Association of Cleveland $85,000 n/a 0.1%
GUILD MORTGAGE COMPANY $255,000 $75,000 -70.6% 0.1%
Secured Investment Corp. $75,000 n/a 0.1%
AMERICAN HERITAGE FCU $65,000 n/a 0.1%
CNB Bank $65,000 n/a 0.1%
PNC Bank $400,000 $55,000 -86.3% 0.1%
Coastal Community Bank $45,000 n/a 0.1%
Orrstown Bank $365,000 $35,000 -90.4% 0.1%
Diamond Credit Union $25,000 n/a 0.0%

Selinsgrove's top lender by overall market share is Fulton Bank, with 12.3% market share. In second place, with 11.6%, is Susquehanna Community Bank, having originated $7,420,000 in loans. In third place, with 9.6%, is QUICKEN LOANS, LLC, having originated $6,130,000 in loans. In fourth place, with 9.6%, is Mifflinburg Bank and Trust Company, having originated $6,120,000 in loans. In fifth place, with 6.0%, is PENNSYLVANIA STATE EMPLOYEES Credit Union, having originated $3,840,000 in loans.


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

Realtor.com - Selinsgrove (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 $197,704 (7.4%) $243,323 (10.1%) 0.00 105
2018-02-01 $189,900 (2.7%) $242,887 (9.2%) 0.00 105
2018-03-01 $189,900 (5.8%) $236,599 (10.4%) 0.00 105
2018-04-01 $198,827 (11.1%) $237,357 (8.8%) 0.00 113
2018-05-01 $201,425 (12.5%) $229,575 (4.1%) 0.00 114
2018-06-01 $202,900 (6.9%) $229,326 (2.8%) 0.00 124
2018-07-01 $207,400 (9.2%) $228,292 (3.7%) 0.00 132
2018-08-01 $207,650 (9.4%) $229,315 (3.4%) 0.00 135
2018-09-01 $202,900 (6.9%) $234,704 (4.2%) 0.00 128
2018-10-01 $204,375 (9.0%) $238,905 (1.7%) 0.00 120
2018-11-01 $193,654 (-2.3%) $229,349 (-6.7%) 0.00 118
2018-12-01 $189,400 (-4.2%) $228,277 (-3.5%) 0.00 121
2019-01-01 $183,950 (-7.0%) $209,795 (-13.8%) 0.00 112
2019-02-01 $188,650 (-0.7%) $219,150 (-9.8%) 0.00 111
2019-03-01 $199,477 (5.0%) $226,683 (-4.2%) 0.00 113
2019-04-01 $210,925 (6.1%) $229,484 (-3.3%) 0.00 119
2019-05-01 $214,900 (6.7%) $236,908 (3.2%) 0.00 123
2019-06-01 $200,000 (-1.4%) $226,004 (-1.5%) 0.00 110
2019-07-01 $199,425 (-3.9%) $223,348 (-2.2%) 0.00 110
2019-08-01 $197,526 (-4.9%) $250,175 (9.1%) 0.00 111
2019-09-01 $195,391 (-3.7%) $286,285 (22.0%) 0.00 102
2019-10-01 $196,242 (-4.0%) $311,908 (30.6%) 0.00 97
2019-11-01 $189,900 (-1.9%) $302,249 (31.8%) 0.00 100
2019-12-01 $191,200 (1.0%) $296,983 (30.1%) 0.00 88
2020-01-01 $196,200 (6.7%) $302,867 (44.4%) 0.00 82
2020-02-01 $196,200 (4.0%) $308,140 (40.6%) 0.00 73
2020-03-01 $194,600 (-2.4%) $301,343 (32.9%) 0.00 70
2020-04-01 $191,050 (-9.4%) $254,849 (11.1%) 0.00 70
2020-05-01 $198,000 (-7.9%) $263,426 (11.2%) 0.00 64
2020-06-01 $202,700 (1.4%) $274,234 (21.3%) 0.00 61
2020-07-01 $206,450 (3.5%) $282,205 (26.4%) 0.00 58
2020-08-01 $219,900 (11.3%) $301,558 (20.5%) 0.00 48
2020-09-01 $222,450 (13.9%) $297,709 (4.0%) 0.00 50
2020-10-01 $219,900 (12.1%) $281,849 (-9.6%) 0.00 44
2020-11-01 $219,900 (15.8%) $257,923 (-14.7%) 0.00 40
2020-12-01 $232,150 (21.4%) $271,985 (-8.4%) 0.00 37
2021-01-01 $209,000 (6.5%) $268,084 (-11.5%) 0.00 36
2021-02-01 $182,000 (-7.2%) $248,278 (-19.4%) 0.00 32
2021-03-01 $196,200 (0.8%) $250,185 (-17.0%) 0.00 31
2021-04-01 $187,650 (-1.8%) $224,281 (-12.0%) 0.00 24
2021-05-01 $179,900 (-9.1%) $221,762 (-15.8%) 0.00 24
2021-06-01 $185,500 (-8.5%) $217,984 (-20.5%) 0.00 30
2021-07-01 $231,400 (12.1%) $256,561 (-9.1%) 0.00 34
2021-08-01 $225,000 (2.3%) $248,850 (-17.5%) 0.00 40
2021-09-01 $207,450 (-6.7%) $241,670 (-18.8%) 0.00 45
2021-10-01 $202,200 (-8.1%) $250,010 (-11.3%) 0.00 42
2021-11-01 $204,500 (-7.0%) $265,267 (2.9%) 0.00 38
2021-12-01 $208,375 (-10.2%) $243,491 (-10.5%) 0.00 28
2022-01-01 $199,950 (-4.3%) $218,489 (-18.5%) 0.00 20
2022-02-01 $206,225 (13.3%) $244,199 (-1.6%) 0.00 19
2022-03-01 $199,000 (1.4%) $234,091 (-6.4%) 0.00 20
2022-04-01 $219,900 (17.2%) $273,713 (22.0%) 0.00 24
2022-05-01 $249,900 (38.9%) $291,179 (31.3%) 0.00 35
2022-06-01 $250,970 (35.3%) $286,022 (31.2%) 0.00 38
2022-07-01 $252,500 (9.1%) $299,041 (16.6%) 0.00 36
2022-08-01 $252,450 (12.2%) $296,480 (19.1%) 0.00 42
2022-09-01 $267,450 (28.9%) $290,370 (20.2%) 0.00 43
2022-10-01 $277,450 (37.2%) $286,039 (14.4%) 0.00 46
2022-11-01 $244,900 (19.8%) $269,203 (1.5%) 0.00 47
2022-12-01 $224,950 (8.0%) $245,165 (0.7%) 0.00 43
2023-01-01 $244,950 (22.5%) $273,143 (25.0%) 0.00 37
2023-02-01 $244,450 (18.5%) $256,341 (5.0%) 0.00 37
2023-03-01 $243,474 (22.4%) $263,787 (12.7%) 0.00 31
2023-04-01 $239,900 (9.1%) $257,737 (-5.8%) 0.00 21
2023-05-01 $254,999 (2.0%) $250,135 (-14.1%) 0.00 17
2023-06-01 $252,225 (0.5%) $261,847 (-8.5%) 0.00 19
2023-07-01 $244,000 (-3.4%) $270,328 (-9.6%) 0.00 22
2023-08-01 $269,499 (6.8%) $288,485 (-2.7%) 0.00 20
2023-09-01 $242,750 (-9.2%) $280,465 (-3.4%) 0.00 24
2023-10-01 $235,625 (-15.1%) $266,029 (-7.0%) 0.00 26
2023-11-01 $240,750 (-1.7%) $263,446 (-2.1%) 0.00 26
2023-12-01 $220,000 (-2.2%) $254,178 (3.7%) 0.00 24
2024-01-01 $218,750 (-10.7%) $250,571 (-8.3%) 0.00 24
2024-02-01 $250,325 (2.4%) $274,166 (7.0%) 0.00 24
2024-03-01 $244,450 (0.4%) $277,179 (5.1%) 0.00 28
Selinsgrove's median listing price for 2024-03-01 was $244,450, a difference of $976 (0.4%) versus the prior year and $-5,875 versus the prior month.

Selinsgrove's median listing price comes in at 0% of the national average.

Selinsgrove's average listing price for 2024-03-01 was $277,179, a difference of $13,392 (5.1%) versus the prior year and $3,013 versus the prior month.

For the 2024-03-01 period, Selinsgrove had 28 MLS listings, a difference of 4 listings (17%) versus the prior month and -3 listings (-10%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Selinsgrove (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,854 sqft
2018-02-01 0 days 1,824 sqft
2018-03-01 0 days 1,816 sqft
2018-04-01 0 days 1,803 sqft
2018-05-01 0 days 1,815 sqft
2018-06-01 0 days 1,768 sqft
2018-07-01 0 days 1,765 sqft
2018-08-01 0 days 1,763 sqft
2018-09-01 0 days 1,747 sqft
2018-10-01 0 days 1,719 sqft
2018-11-01 0 days 1,682 sqft
2018-12-01 0 days 1,615 sqft
2019-01-01 0 days 1,600 sqft
2019-02-01 0 days 1,673 sqft
2019-03-01 0 days 1,729 sqft
2019-04-01 0 days 1,729 sqft
2019-05-01 0 days 1,668 sqft
2019-06-01 0 days 1,664 sqft
2019-07-01 0 days 1,730 sqft
2019-08-01 0 days 1,776 sqft
2019-09-01 0 days 1,836 sqft
2019-10-01 0 days 1,875 sqft
2019-11-01 0 days 1,746 sqft
2019-12-01 0 days 1,730 sqft
2020-01-01 0 days 1,706 sqft
2020-02-01 0 days 1,736 sqft
2020-03-01 0 days 1,674 sqft
2020-04-01 0 days 1,639 sqft
2020-05-01 0 days 1,748 sqft
2020-06-01 0 days 1,870 sqft
2020-07-01 0 days 1,805 sqft
2020-08-01 0 days 1,898 sqft
2020-09-01 0 days 1,972 sqft
2020-10-01 0 days 1,920 sqft
2020-11-01 0 days 1,836 sqft
2020-12-01 0 days 1,848 sqft
2021-01-01 0 days 1,848 sqft
2021-02-01 0 days 1,799 sqft
2021-03-01 0 days 1,775 sqft
2021-04-01 0 days 1,549 sqft
2021-05-01 0 days 1,549 sqft
2021-06-01 0 days 1,746 sqft
2021-07-01 0 days 1,891 sqft
2021-08-01 0 days 1,779 sqft
2021-09-01 0 days 1,752 sqft
2021-10-01 0 days 1,757 sqft
2021-11-01 0 days 1,872 sqft
2021-12-01 0 days 1,894 sqft
2022-01-01 0 days 1,659 sqft
2022-02-01 0 days 1,559 sqft
2022-03-01 0 days 1,612 sqft
2022-04-01 0 days 1,738 sqft
2022-05-01 0 days 1,750 sqft
2022-06-01 0 days 1,732 sqft
2022-07-01 0 days 1,904 sqft
2022-08-01 0 days 1,908 sqft
2022-09-01 0 days 1,892 sqft
2022-10-01 0 days 1,800 sqft
2022-11-01 0 days 1,618 sqft
2022-12-01 0 days 1,564 sqft
2023-01-01 0 days 1,617 sqft
2023-02-01 0 days 1,591 sqft
2023-03-01 0 days 1,622 sqft
2023-04-01 0 days 1,628 sqft
2023-05-01 0 days 1,825 sqft
2023-06-01 0 days 1,904 sqft
2023-07-01 0 days 1,904 sqft
2023-08-01 0 days 1,879 sqft
2023-09-01 0 days 1,904 sqft
2023-10-01 0 days 1,822 sqft
2023-11-01 0 days 1,788 sqft
2023-12-01 0 days 1,838 sqft
2024-01-01 0 days 1,801 sqft
2024-02-01 0 days 1,801 sqft
2024-03-01 0 days 1,538 sqft
Selinsgrove's median listing age (time on market) for 2024-03-01 was 0 days.

Selinsgrove's median square footage for active listings during the 2024-03-01 period was 1,538 sqft. One year prior, the average listing was 1,622 sqft.

Selinsgrove, PA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 205 $40,755,000 $198,805
Other 77 $5,425,000 $70,455
Home Improvement 73 $4,395,000 $60,205
Refi 65 $7,085,000 $109,000
Cash Out Refi 44 $6,290,000 $142,955

Selinsgrove's most frequently cited loan purpose was Home Purchase, with 205 originations. The 2nd most popular reason was Other, with 77 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 140 $21,950,000 $156,786
7-8% 76 $10,690,000 $140,658
5-6% 74 $9,950,000 $134,459
Over 8% 51 $4,305,000 $84,412
4-5% 11 $1,025,000 $93,182
<2.5% 7 $345,000 $49,286

During 2023, Selinsgrove's most frequently originated rate bucket was 6-7%, with 140 originations.

Loan Sizing (Selinsgrove, PA MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 196 $10,040,000 $51,224
$100k-200k 162 $23,660,000 $146,049
$200k-400k 91 $22,965,000 $252,363
$400k-600k 13 $5,805,000 $446,538
$600k-1000k 2 $1,480,000 $740,000

Selinsgrove's loan sizing saw the bucket of loans from $100,000 or less with 196 originations, totaling $10,040,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 121 $24,235,000 $200,289
20-40% 71 $4,565,000 $64,296
60-80% 65 $11,175,000 $171,923
Under 20% 60 $2,010,000 $33,500
40-60% 38 $5,270,000 $138,684
Over 100% 4 $1,010,000 $252,500

Selinsgrove's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 121 originations, totaling $24,235,000 in origination value.