St. Marys Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in St. Marys averaged
6.38%
for the week of 2025-04-10, compared to the national average of
6.62% for the same period.
The average rate for the prior week (2025-04-03) was
6.8% and
one month ago for the week of 2025-03-06, the
average rate was 6.79%.
St. Marys's average rate one year ago was 6.98%.
For refis of the same type during the week of 2025-04-10, the average rate
was 6.62%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-10 | 6.62% |
| St. Marys 30 Year Fixed Rate | 2025-04-10 | 6.38% |
| St. Marys 30 Year Fixed Rate Refi | 2025-04-10 | 6.62% |
| St. Marys 15 Year Fixed Rate | 2025-04-10 | 6.02% |
| St. Marys 15 Year Fixed Rate Refi | 2025-04-10 | 5.82% |
| St. Marys 30 Year FHA | 2025-04-10 | 6.53% |
| St. Marys 30 Year FHA Refi | 2025-04-10 | 6.33% |
| St. Marys 30 Year USDA | 2025-04-10 | 6.65% |
| St. Marys 30 Year USDA Refi | 2025-04-10 | 6.55% |
| St. Marys 30 Year VA | 2025-04-10 | 6.09% |
| St. Marys 30 Year VA Refi | 2025-04-10 | 6.19% |
St. Marys 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 St. Marys, 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.).
St. Marys Average Closing Costs & Other Stats
St. Marys, PA's 30 lenders originated 425
loans during 2024. The total origination value was $47,015,000, with an average loan value of
$110,624.
St. Marys's average closing costs are $4,610.
The top St. Marys lender as defined by loan originations is QUICKEN LOANS, LLC, with
23 loans originated. Their average total fees are
$5,227, which is $1,288
higher than the next largest lender,
Northwest Bank.
The lowest fee St. Marys lenders (with over 10 loans originated) are
Northwest Bank ($3,939), CNB Bank ($4,070), First Commonwealth Bank ($4,318), QUICKEN LOANS, LLC ($5,227) and .
The lowest rate St. Marys lenders (with over 10 loans originated) are
First Commonwealth Bank (6.47%), CNB Bank (6.63%), Northwest Bank (6.73%), QUICKEN LOANS, LLC (6.73%) and .
St. Marys, 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 |
|---|---|---|---|---|
| CNB Bank | $10,165,000 | $10,170,000 | 0.0% | 21.6% |
| Northwest Bank | $8,270,000 | $8,000,000 | -3.3% | 17.0% |
| First Commonwealth Bank | $7,435,000 | $6,400,000 | -13.9% | 13.6% |
| QUICKEN LOANS, LLC | $5,680,000 | $5,650,000 | -0.5% | 12.0% |
| The Farmers National Bank of Canfield | $960,000 | $1,680,000 | 75.0% | 3.6% |
| S&T Bank | $1,485,000 | $1,215,000 | -18.2% | 2.6% |
| Mortgage Research Center, LLC | $660,000 | $970,000 | 47.0% | 2.1% |
| PNC Bank | $1,135,000 | $755,000 | -33.5% | 1.6% |
| NAVY FEDERAL CREDIT UNION | $310,000 | $740,000 | 138.7% | 1.6% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $910,000 | $715,000 | -21.4% | 1.5% |
| Flagstar Bank, FSB | $240,000 | $670,000 | 179.2% | 1.4% |
| Marion Center Bank | $65,000 | $635,000 | 876.9% | 1.4% |
| NEWREZ LLC | $115,000 | $490,000 | 326.1% | 1.0% |
| CARDINAL FINANCIAL | $575,000 | $475,000 | -17.4% | 1.0% |
| Jersey Shore State Bank | $285,000 | $465,000 | 63.2% | 1.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $125,000 | $460,000 | 268.0% | 1.0% |
| USAA Federal Savings Bank | $455,000 | n/a | 1.0% | |
| UNITED WHOLESALE MORTGAGE, LLC | $105,000 | $430,000 | 309.5% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $125,000 | $415,000 | 232.0% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $605,000 | $385,000 | -36.4% | 0.8% |
| First National Bank of Pennsylvania | $160,000 | $305,000 | 90.6% | 0.6% |
| AMERISAVE MORTGAGE CORPORATION | $485,000 | $300,000 | -38.1% | 0.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $280,000 | n/a | 0.6% | |
| NEXTIER BANK, NATIONAL ASSOCIATION | $115,000 | $250,000 | 117.4% | 0.5% |
| BROKER SOLUTIONS, INC. | $375,000 | $240,000 | -36.0% | 0.5% |
| NFM, INC. | $230,000 | n/a | 0.5% | |
| ZILLOW HOME LOANS, LLC | $230,000 | n/a | 0.5% | |
| ROYAL UNITED MORTGAGE LLC | $160,000 | $225,000 | 40.6% | 0.5% |
| U.S. Bank | $65,000 | $220,000 | 238.5% | 0.5% |
| M&T Bank | $105,000 | $215,000 | 104.8% | 0.5% |
| Stifel Bank and Trust | $205,000 | n/a | 0.4% | |
| TOP FLITE FINANCIAL, INC. | $200,000 | n/a | 0.4% | |
| LIMA ONE CAPITAL, LLC | $190,000 | n/a | 0.4% | |
| MORTGAGE ACCESS CORP. | $175,000 | n/a | 0.4% | |
| Bank of England | $175,000 | $165,000 | -5.7% | 0.4% |
| FIRST HOME MORTGAGE CORPORATION | $165,000 | n/a | 0.4% | |
| KeyBank | $165,000 | n/a | 0.4% | |
| LOANPAL, LLC | $125,000 | $165,000 | 32.0% | 0.4% |
| Prosperity Home Mortgage, LLC | $165,000 | n/a | 0.4% | |
| UNION HOME MORTGAGE CORP. | $55,000 | $165,000 | 200.0% | 0.4% |
| BAY EQUITY LLC | $155,000 | n/a | 0.3% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $190,000 | $155,000 | -18.4% | 0.3% |
| Barrington Bank & Trust Company, N.A. | $55,000 | $135,000 | 145.5% | 0.3% |
| GSF Mortgage Corporation | $125,000 | n/a | 0.3% | |
| InFirst Bank | $125,000 | n/a | 0.3% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $115,000 | n/a | 0.2% | |
| Wells Fargo Bank | $115,000 | n/a | 0.2% | |
| Residential Acceptance Corporation | $95,000 | n/a | 0.2% | |
| AMWEST FUNDING CORP. | $85,000 | n/a | 0.2% | |
| JPMorgan Chase Bank | $45,000 | $85,000 | 88.9% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $85,000 | n/a | 0.2% | |
| Dollar Bank, Federal Savings Bank | $75,000 | n/a | 0.2% | |
| Citizens Bank | $180,000 | $55,000 | -69.4% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $75,000 | $55,000 | -26.7% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $55,000 | n/a | 0.1% | |
| DIGITAL Federal Credit Union | $45,000 | n/a | 0.1% | |
| Kish Bank | $25,000 | n/a | 0.1% |
St. Marys's top lender by overall market share is CNB Bank, with 21.6% market share. In second place, with 17.0%, is Northwest Bank, having originated $8,000,000 in loans. In third place, with 13.6%, is First Commonwealth Bank, having originated $6,400,000 in loans. In fourth place, with 12.0%, is QUICKEN LOANS, LLC, having originated $5,650,000 in loans. In fifth place, with 3.6%, is The Farmers National Bank of Canfield, having originated $1,680,000 in loans.
St. Marys, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 196 | $25,970,000 | $132,500 |
| Home Improvement | 90 | $7,390,000 | $82,111 |
| Other | 52 | $4,000,000 | $76,923 |
| Refi | 44 | $4,600,000 | $104,545 |
| Cash Out Refi | 43 | $5,055,000 | $117,558 |
St. Marys's most frequently cited loan purpose was Home Purchase, with 196 originations. The 2nd most popular reason was Home Improvement, with 90 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 169 | $21,435,000 | $126,834 |
| 7-8% | 114 | $12,970,000 | $113,772 |
| Over 8% | 70 | $5,590,000 | $79,857 |
| 5-6% | 58 | $5,840,000 | $100,690 |
| 4-5% | 7 | $465,000 | $66,429 |
| <2.5% | 3 | $25,000 | $8,333 |
| 3-4% | 1 | $55,000 | $55,000 |
During 2024, St. Marys's most frequently originated rate bucket was 6-7%, with 169 originations.
Loan Sizing (St. Marys, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 232 | $12,850,000 | $55,388 |
| $100k-200k | 141 | $19,565,000 | $138,759 |
| $200k-400k | 47 | $11,745,000 | $249,894 |
| $400k-600k | 3 | $1,405,000 | $468,333 |
| $600k-1000k | 2 | $1,450,000 | $725,000 |
St. Marys's loan sizing saw the bucket of loans from $100,000 or less with 232 originations, totaling $12,850,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 153 | $21,455,000 | $140,229 |
| 60-80% | 98 | $12,480,000 | $127,347 |
| 20-40% | 82 | $4,450,000 | $54,268 |
| 40-60% | 52 | $5,940,000 | $114,231 |
| Under 20% | 31 | $855,000 | $27,581 |
| Over 100% | 5 | $1,065,000 | $213,000 |
St. Marys's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 153 originations, totaling $21,455,000 in origination value.