STATE COLLEGE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in State College averaged
6.93%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.09% and
one month ago for the week of 2026-10-01, the
average rate was 7.23%.
State College's average rate one year ago was 6.12%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.08%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| State College 30 Year Fixed Rate | 2026-11-05 | 6.93% |
| State College 30 Year Fixed Rate Refi | 2026-11-05 | 7.08% |
| State College 15 Year Fixed Rate | 2026-11-05 | 6.57% |
| State College 15 Year Fixed Rate Refi | 2026-11-05 | 6.47% |
| State College 30 Year FHA | 2026-11-05 | 7.07% |
| State College 30 Year FHA Refi | 2026-11-05 | 6.93% |
| State College 30 Year USDA | 2026-11-05 | 6.8% |
| State College 30 Year USDA Refi | 2026-11-05 | 7% |
| State College 30 Year VA | 2026-11-05 | 6.57% |
| State College 30 Year VA Refi | 2026-11-05 | 6.96% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within STATE COLLEGE, PA.
STATE COLLEGE 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 STATE COLLEGE, 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.).
STATE COLLEGE Average Closing Costs & Other Stats
STATE COLLEGE, PA's 112 lenders originated 2,650
loans during 2025. The total origination value was $854,700,000, with an average loan value of
$322,528.
STATE COLLEGE's average closing costs are $5,940.
The top STATE COLLEGE lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
95 loans originated. Their average total fees are
$5,900, which is $829
higher than the next largest lender,
Kish Bank.
The lowest fee STATE COLLEGE lenders (with over 10 loans originated) are
PENNSYLVANIA STATE EMPLOYEES Credit Union ($3,544), Northwest Bank ($4,077), MEMBER FIRST MORTGAGE, LLC ($4,748), Kish Bank ($5,071) and CNB Bank ($5,240).
The lowest rate STATE COLLEGE lenders (with over 10 loans originated) are
CNB Bank (6.16%), Kish Bank (6.24%), PENNSYLVANIA STATE EMPLOYEES Credit Union (6.31%), UNION HOME MORTGAGE CORP. (6.31%) and Citizens Bank (6.42%).
STATE COLLEGE, 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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| PNC Bank | $8,610,000 | $186,000,000 | 2,060.3% | 21.8% |
| Kish Bank | $65,140,000 | $74,625,000 | 14.6% | 8.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $35,855,000 | $50,885,000 | 41.9% | 6.0% |
| CNB Bank | $7,830,000 | $49,275,000 | 529.3% | 5.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $36,335,000 | $40,265,000 | 10.8% | 4.7% |
| Citizens Bank | $23,385,000 | $35,060,000 | 49.9% | 4.1% |
| UNION HOME MORTGAGE CORP. | $9,130,000 | $28,335,000 | 210.4% | 3.3% |
| First National Bank of Pennsylvania | $20,195,000 | $27,410,000 | 35.7% | 3.2% |
| Carter Bank & Trust | $25,005,000 | n/a | 2.9% | |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $13,920,000 | $23,830,000 | 71.2% | 2.8% |
| QUICKEN LOANS, LLC | $30,105,000 | $22,835,000 | -24.1% | 2.7% |
| Jersey Shore State Bank | $30,120,000 | $18,870,000 | -37.4% | 2.2% |
| Northwest Bank | $8,395,000 | $14,000,000 | 66.8% | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | $19,020,000 | $12,905,000 | -32.2% | 1.5% |
| Reliance Savings Bank | $18,320,000 | $12,860,000 | -29.8% | 1.5% |
| M&T Bank | $8,540,000 | $10,380,000 | 21.5% | 1.2% |
| Penn State Federal Credit Union | $7,435,000 | $8,805,000 | 18.4% | 1.0% |
| CMG MORTGAGE, INC. | $1,805,000 | $7,535,000 | 317.5% | 0.9% |
| NEWREZ LLC | $8,010,000 | $7,470,000 | -6.7% | 0.9% |
| PLANET HOME LENDING, LLC | $4,605,000 | $6,675,000 | 45.0% | 0.8% |
| Mortgage Research Center, LLC | $5,395,000 | $6,105,000 | 13.2% | 0.7% |
| First Citizens Community Bank | $470,000 | $5,985,000 | 1,173.4% | 0.7% |
| First Commonwealth Bank | $3,220,000 | $5,310,000 | 64.9% | 0.6% |
| Truist | $1,530,000 | $5,305,000 | 246.7% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $4,865,000 | $4,965,000 | 2.1% | 0.6% |
| Century Mortgage Company DBA Century Lending Company | $3,460,000 | $4,385,000 | 26.7% | 0.5% |
| The Juniata Valley Bank | $1,340,000 | $4,330,000 | 223.1% | 0.5% |
| JPMorgan Chase Bank | $25,025,000 | $4,095,000 | -83.6% | 0.5% |
| Titan FCU | $2,860,000 | $3,615,000 | 26.4% | 0.4% |
| GUILD MORTGAGE COMPANY | $490,000 | $3,520,000 | 618.4% | 0.4% |
| Univest Bank and Trust Co. | $6,515,000 | $3,440,000 | -47.2% | 0.4% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $1,125,000 | $3,045,000 | 170.7% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $3,055,000 | $3,040,000 | -0.5% | 0.4% |
| AmeriServ Financial Bank | $11,020,000 | $2,915,000 | -73.5% | 0.3% |
| MICHIGAN MUTUAL, INC. | $575,000 | $2,830,000 | 392.2% | 0.3% |
| Fulton Bank | $1,625,000 | $2,780,000 | 71.1% | 0.3% |
| MEMBER FIRST MORTGAGE, LLC | $2,560,000 | $2,775,000 | 8.4% | 0.3% |
| USAA Federal Savings Bank | $1,050,000 | $2,660,000 | 153.3% | 0.3% |
| First Columbia Bank & Trust Co. | $2,315,000 | $2,420,000 | 4.5% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $2,385,000 | $2,345,000 | -1.7% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,260,000 | $2,235,000 | 77.4% | 0.3% |
| Bank of America | $3,740,000 | $2,210,000 | -40.9% | 0.3% |
| NEW DAY FINANCIAL, LLC | $165,000 | $2,180,000 | 1,221.2% | 0.3% |
| CARDINAL FINANCIAL | $575,000 | $2,030,000 | 253.0% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $165,000 | $2,015,000 | 1,121.2% | 0.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,130,000 | $2,015,000 | -5.4% | 0.2% |
| Plains Commerce Bank | $1,015,000 | $1,995,000 | 96.6% | 0.2% |
| MidAtlantic Farm Credit, ACA | $5,385,000 | $1,935,000 | -64.1% | 0.2% |
| TOWER | $575,000 | $1,870,000 | 225.2% | 0.2% |
| Mifflinburg Bank and Trust Company | $2,210,000 | $1,815,000 | -17.9% | 0.2% |
| U.S. Bank | $755,000 | $1,725,000 | 128.5% | 0.2% |
| Princeton Mortgage Corporation | $3,030,000 | $1,715,000 | -43.4% | 0.2% |
| BROKER SOLUTIONS, INC. | $950,000 | $1,630,000 | 71.6% | 0.2% |
| Wells Fargo Bank | $785,000 | $1,595,000 | 103.2% | 0.2% |
| GUARANTEED RATE, INC. | $650,000 | $1,585,000 | 143.8% | 0.2% |
| LOANDEPOT.COM, LLC | $1,530,000 | $1,435,000 | -6.2% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $1,420,000 | n/a | 0.2% | |
| S&T Bank | $510,000 | $1,420,000 | 178.4% | 0.2% |
| Equity Prime Mortgage LLC | $1,235,000 | $1,400,000 | 13.4% | 0.2% |
| Morgan Stanley Private Bank | $2,160,000 | $1,345,000 | -37.7% | 0.2% |
| FIRST COLONY MORTGAGE CORPORATION | $495,000 | $1,325,000 | 167.7% | 0.2% |
| NBKC BANK | $1,015,000 | $1,315,000 | 29.6% | 0.2% |
| The Huntington National Bank | $1,365,000 | $1,270,000 | -7.0% | 0.1% |
| Charles Schwab Bank, SSB | $570,000 | $1,240,000 | 117.5% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,070,000 | $1,240,000 | 15.9% | 0.1% |
| Atlantic Coast Mortgage, LLC | $285,000 | $1,110,000 | 289.5% | 0.1% |
| General Mortgage Capital Corporation | $640,000 | $1,075,000 | 68.0% | 0.1% |
| NFM, INC. | $325,000 | $1,015,000 | 212.3% | 0.1% |
| TD Bank | $555,000 | $1,010,000 | 82.0% | 0.1% |
| KeyBank | $985,000 | n/a | 0.1% | |
| Farmers and Merchants Trust Company of Chambersburg | $975,000 | n/a | 0.1% | |
| Susquehanna Community Bank | $335,000 | $975,000 | 191.0% | 0.1% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $655,000 | $925,000 | 41.2% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $915,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $380,000 | $890,000 | 134.2% | 0.1% |
| SPRING EQ, LLC | $145,000 | $885,000 | 510.3% | 0.1% |
| HORIZON Federal Credit Union | $845,000 | $875,000 | 3.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $865,000 | n/a | 0.1% | |
| Northpointe Bank | $95,000 | $840,000 | 784.2% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $825,000 | n/a | 0.1% | |
| Ixonia Bank | $790,000 | $795,000 | 0.6% | 0.1% |
| Gateway First Bank | $790,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $1,070,000 | $755,000 | -29.4% | 0.1% |
| Nations Lending Corporation | $205,000 | $700,000 | 241.5% | 0.1% |
| The Loan Store, Inc. | $1,080,000 | $685,000 | -36.6% | 0.1% |
| Citadel Servicing Corporation | $145,000 | $680,000 | 369.0% | 0.1% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $660,000 | n/a | 0.1% | |
| Pennian Bank | $650,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $560,000 | $615,000 | 9.8% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $1,130,000 | $570,000 | -49.6% | 0.1% |
| SERVICE 1ST | $25,000 | $565,000 | 2,160.0% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $660,000 | $550,000 | -16.7% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,180,000 | $545,000 | -53.8% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $365,000 | $530,000 | 45.2% | 0.1% |
| Wilmington Savings Fund Society, FSB | $635,000 | $530,000 | -16.5% | 0.1% |
| NexBank | $1,445,000 | $520,000 | -64.0% | 0.1% |
| 1st Colonial Community Bank | $515,000 | n/a | 0.1% | |
| Citizens & Northern Bank | $305,000 | $510,000 | 67.2% | 0.1% |
| ZILLOW HOME LOANS, LLC | $135,000 | $510,000 | 277.8% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $505,000 | n/a | 0.1% | |
| Figure Lending LLC | $190,000 | $490,000 | 157.9% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $135,000 | $485,000 | 259.3% | 0.1% |
| UNIVERSITY Federal Credit Union | $485,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $480,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $970,000 | $470,000 | -51.5% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $470,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $370,000 | $465,000 | 25.7% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $235,000 | $465,000 | 97.9% | 0.1% |
| Mid Penn Bank | $30,000 | $460,000 | 1,433.3% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $655,000 | $440,000 | -32.8% | 0.1% |
| GREENSTATE CREDIT UNION | $435,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $520,000 | $420,000 | -19.2% | 0.0% |
| CORNING | $655,000 | $415,000 | -36.6% | 0.0% |
| Victorian Finance, LLC | $405,000 | n/a | 0.0% | |
| LEBANON | $400,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $395,000 | n/a | 0.0% | |
| UBS Bank USA | $395,000 | n/a | 0.0% | |
| RADIUS FINANCIAL GROUP INC. | $390,000 | n/a | 0.0% | |
| USX Federal Credit Union | $305,000 | $385,000 | 26.2% | 0.0% |
| Coastal Community Bank | $80,000 | $375,000 | 368.8% | 0.0% |
| Fifth Third Bank | $295,000 | $375,000 | 27.1% | 0.0% |
| POLARIS HOME FUNDING CORP. | $365,000 | n/a | 0.0% | |
| Logan Finance Corporation | $355,000 | n/a | 0.0% | |
| LOANPAL, LLC | $610,000 | $350,000 | -42.6% | 0.0% |
| PHH Mortgage Corporation | $45,000 | $350,000 | 677.8% | 0.0% |
| Alliance Bank Central Texas | $345,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $175,000 | $345,000 | 97.1% | 0.0% |
| BETTER MORTGAGE CORPORATION | $335,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $325,000 | n/a | 0.0% | |
| NORTH COUNTRY | $325,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $325,000 | n/a | 0.0% | |
| EMM LOANS LLC | $325,000 | $320,000 | -1.5% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $85,000 | $320,000 | 276.5% | 0.0% |
| AMERICHOICE | $315,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $315,000 | n/a | 0.0% | |
| Vellum Mortgage, Inc. | $315,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $305,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $305,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $305,000 | n/a | 0.0% | |
| EQUITY RESOURCES, INC. | $300,000 | n/a | 0.0% | |
| BELEM SERVICING LLC | $295,000 | n/a | 0.0% | |
| PennCrest Bank | $295,000 | $280,000 | -5.1% | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $275,000 | n/a | 0.0% | |
| Homesale Mortgage, LLC | $265,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $265,000 | n/a | 0.0% | |
| Raymond James Bank | $235,000 | $265,000 | 12.8% | 0.0% |
| The Gratz Bank | $265,000 | n/a | 0.0% | |
| New Cumberland Federal Credit Union | $255,000 | n/a | 0.0% | |
| Valley National Bank | $255,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $120,000 | $245,000 | 104.2% | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $245,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $245,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $245,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $245,000 | n/a | 0.0% | |
| Orrstown Bank | $255,000 | $240,000 | -5.9% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $555,000 | $240,000 | -56.8% | 0.0% |
| Texana Bank | $225,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $220,000 | n/a | 0.0% | |
| Discover Bank | $1,090,000 | $215,000 | -80.3% | 0.0% |
| First Federal Bank | $205,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $110,000 | $165,000 | 50.0% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $405,000 | $165,000 | -59.3% | 0.0% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $95,000 | $155,000 | 63.2% | 0.0% |
| Peoples Security Bank and Trust Company | $155,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $205,000 | $135,000 | -34.1% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $125,000 | n/a | 0.0% | |
| FIRST HERITAGE FINANCIAL, LLC | $125,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $125,000 | n/a | 0.0% | |
| Citibank | $115,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $115,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $115,000 | n/a | 0.0% | |
| Armed Forces Bank | $105,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $165,000 | $65,000 | -60.6% | 0.0% |
| FIRST TECHNOLOGY | $45,000 | n/a | 0.0% | |
| Diamond Credit Union | $25,000 | $25,000 | 0.0% | 0.0% |
| FRANKLIN MINT | $25,000 | n/a | 0.0% |
STATE COLLEGE's top lender by overall market share is PNC Bank, with 21.8% market share. In second place, with 8.7%, is Kish Bank, having originated $74,625,000 in loans. In third place, with 6.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $50,885,000 in loans. In fourth place, with 5.8%, is CNB Bank, having originated $49,275,000 in loans. In fifth place, with 4.7%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $40,265,000 in loans.
STATE COLLEGE Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - STATE COLLEGE (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 | $246,700 (12.2%) | $327,779 (10.6%) | 0.91 | 211 |
| 2018-02-01 | $266,425 (9.6%) | $349,698 (12.6%) | 0.97 | 226 |
| 2018-03-01 | $299,700 (6.6%) | $364,363 (9.7%) | 1.05 | 253 |
| 2018-04-01 | $294,225 (5.1%) | $371,731 (12.6%) | 1.00 | 262 |
| 2018-05-01 | $287,400 (6.3%) | $363,710 (13.4%) | 0.96 | 293 |
| 2018-06-01 | $297,412 (10.9%) | $374,749 (16.5%) | 0.99 | 312 |
| 2018-07-01 | $286,348 (11.1%) | $366,265 (20.2%) | 0.96 | 304 |
| 2018-08-01 | $276,200 (9.5%) | $364,506 (19.2%) | 0.93 | 287 |
| 2018-09-01 | $269,900 (4.8%) | $348,858 (9.0%) | 0.91 | 301 |
| 2018-10-01 | $264,423 (3.8%) | $340,813 (6.5%) | 0.90 | 297 |
| 2018-11-01 | $249,950 (-1.2%) | $335,066 (2.0%) | 0.85 | 291 |
| 2018-12-01 | $239,307 (-0.3%) | $316,597 (-3.3%) | 0.83 | 251 |
| 2019-01-01 | $239,900 (-2.8%) | $308,634 (-5.8%) | 0.83 | 208 |
| 2019-02-01 | $271,400 (1.9%) | $319,910 (-8.5%) | 0.92 | 227 |
| 2019-03-01 | $305,643 (2.0%) | $353,989 (-2.9%) | 1.00 | 268 |
| 2019-04-01 | $328,368 (11.6%) | $382,035 (2.8%) | 1.04 | 298 |
| 2019-05-01 | $321,425 (11.8%) | $386,805 (6.4%) | 1.00 | 304 |
| 2019-06-01 | $318,000 (6.9%) | $375,898 (0.3%) | 0.99 | 339 |
| 2019-07-01 | $303,900 (6.1%) | $362,563 (-1.0%) | 0.95 | 352 |
| 2019-08-01 | $297,536 (7.7%) | $357,027 (-2.1%) | 0.94 | 347 |
| 2019-09-01 | $281,991 (4.5%) | $346,079 (-0.8%) | 0.90 | 335 |
| 2019-10-01 | $269,675 (2.0%) | $334,424 (-1.9%) | 0.87 | 327 |
| 2019-11-01 | $270,495 (8.2%) | $330,331 (-1.4%) | 0.89 | 293 |
| 2019-12-01 | $252,450 (5.5%) | $315,755 (-0.3%) | 0.84 | 247 |
| 2020-01-01 | $259,925 (8.4%) | $323,023 (4.7%) | 0.87 | 209 |
| 2020-02-01 | $281,450 (3.7%) | $352,741 (10.3%) | 0.92 | 213 |
| 2020-03-01 | $301,087 (-1.5%) | $370,826 (4.8%) | 0.94 | 255 |
| 2020-04-01 | $313,450 (-4.5%) | $375,417 (-1.7%) | 0.98 | 262 |
| 2020-05-01 | $305,000 (-5.1%) | $372,614 (-3.7%) | 0.93 | 295 |
| 2020-06-01 | $329,900 (3.7%) | $382,590 (1.8%) | 0.97 | 285 |
| 2020-07-01 | $328,850 (8.2%) | $380,299 (4.9%) | 0.95 | 276 |
| 2020-08-01 | $319,900 (7.5%) | $374,887 (5.0%) | 0.92 | 267 |
| 2020-09-01 | $307,475 (9.0%) | $371,215 (7.3%) | 0.88 | 253 |
| 2020-10-01 | $313,750 (16.3%) | $377,325 (12.8%) | 0.90 | 224 |
| 2020-11-01 | $325,000 (20.2%) | $387,602 (17.3%) | 0.95 | 182 |
| 2020-12-01 | $314,950 (24.8%) | $370,539 (17.4%) | 0.94 | 161 |
| 2021-01-01 | $299,500 (15.2%) | $363,498 (12.5%) | 0.89 | 146 |
| 2021-02-01 | $317,500 (12.8%) | $368,812 (4.6%) | 0.92 | 121 |
| 2021-03-01 | $322,500 (7.1%) | $388,086 (4.7%) | 0.92 | 110 |
| 2021-04-01 | $287,400 (-8.3%) | $381,183 (1.5%) | 0.78 | 118 |
| 2021-05-01 | $302,000 (-1.0%) | $380,810 (2.2%) | 0.80 | 137 |
| 2021-06-01 | $312,450 (-5.3%) | $387,465 (1.3%) | 0.82 | 147 |
| 2021-07-01 | $319,900 (-2.7%) | $389,878 (2.5%) | 0.84 | 160 |
| 2021-08-01 | $299,675 (-6.3%) | $378,124 (0.9%) | 0.80 | 167 |
| 2021-09-01 | $294,218 (-4.3%) | $386,670 (4.2%) | 0.78 | 160 |
| 2021-10-01 | $279,900 (-10.8%) | $374,701 (-0.7%) | 0.75 | 161 |
| 2021-11-01 | $289,000 (-11.1%) | $400,407 (3.3%) | 0.77 | 135 |
| 2021-12-01 | $299,950 (-4.8%) | $398,933 (7.7%) | 0.81 | 104 |
| 2022-01-01 | $291,990 (-2.5%) | $428,551 (17.9%) | 0.79 | 87 |
| 2022-02-01 | $341,250 (7.5%) | $486,142 (31.8%) | 0.89 | 77 |
| 2022-03-01 | $338,250 (4.9%) | $462,960 (19.3%) | 0.85 | 93 |
| 2022-04-01 | $354,900 (23.5%) | $455,313 (19.5%) | 0.85 | 106 |
| 2022-05-01 | $364,725 (20.8%) | $431,328 (13.3%) | 0.83 | 121 |
| 2022-06-01 | $371,875 (19.0%) | $417,298 (7.7%) | 0.83 | 134 |
| 2022-07-01 | $370,000 (15.7%) | $427,806 (9.7%) | 0.83 | 156 |
| 2022-08-01 | $374,975 (25.1%) | $435,777 (15.3%) | 0.87 | 156 |
| 2022-09-01 | $374,500 (27.3%) | $433,753 (12.2%) | 0.88 | 155 |
| 2022-10-01 | $375,000 (34.0%) | $435,118 (16.1%) | 0.88 | 151 |
| 2022-11-01 | $351,945 (21.8%) | $421,422 (5.3%) | 0.85 | 143 |
| 2022-12-01 | $339,900 (13.3%) | $417,084 (4.6%) | 0.84 | 113 |
| 2023-01-01 | $318,000 (8.9%) | $405,006 (-5.5%) | 0.79 | 97 |
| 2023-02-01 | $378,700 (11.0%) | $452,228 (-7.0%) | 0.91 | 101 |
| 2023-03-01 | $409,900 (21.2%) | $573,962 (24.0%) | 0.97 | 114 |
| 2023-04-01 | $429,000 (20.9%) | $572,502 (25.7%) | 1.00 | 133 |
| 2023-05-01 | $461,825 (26.6%) | $577,368 (33.9%) | 1.05 | 125 |
| 2023-06-01 | $447,500 (20.3%) | $605,428 (45.1%) | 1.01 | 136 |
| 2023-07-01 | $450,000 (21.6%) | $612,849 (43.3%) | 1.02 | 140 |
| 2023-08-01 | $433,500 (15.6%) | $569,060 (30.6%) | 1.00 | 135 |
| 2023-09-01 | $450,000 (20.2%) | $544,574 (25.6%) | 1.05 | 148 |
| 2023-10-01 | $421,950 (12.5%) | $495,781 (13.9%) | 0.99 | 164 |
| 2023-11-01 | $399,900 (13.6%) | $470,377 (11.6%) | 0.95 | 164 |
| 2023-12-01 | $369,990 (8.9%) | $466,997 (12.0%) | 0.90 | 147 |
| 2024-01-01 | $368,500 (15.9%) | $464,429 (14.7%) | 0.90 | 137 |
| 2024-02-01 | $373,495 (-1.4%) | $470,057 (3.9%) | 0.90 | 132 |
| 2024-03-01 | $399,500 (-2.5%) | $513,740 (-10.5%) | 0.94 | 159 |
| 2024-04-01 | $398,198 (-7.2%) | $519,216 (-9.3%) | 0.93 | 170 |
| 2024-05-01 | $399,945 (-13.4%) | $512,284 (-11.3%) | 0.91 | 161 |
| 2024-06-01 | $389,995 (-12.9%) | $490,986 (-18.9%) | 0.89 | 176 |
| 2024-07-01 | $375,495 (-16.6%) | $494,788 (-19.3%) | 0.86 | 176 |
| 2024-08-01 | $369,945 (-14.7%) | $483,366 (-15.1%) | 0.86 | 176 |
| 2024-09-01 | $373,121 (-17.1%) | $483,830 (-11.2%) | 0.88 | 196 |
| 2024-10-01 | $379,698 (-10.0%) | $488,646 (-1.4%) | 0.90 | 199 |
| 2024-11-01 | $379,900 (-5.0%) | $475,772 (1.2%) | 0.91 | 176 |
| 2024-12-01 | $366,873 (-0.8%) | $440,915 (-5.6%) | 0.91 | 171 |
| 2025-01-01 | $367,495 (-0.3%) | $414,717 (-10.7%) | 0.92 | 148 |
| 2025-02-01 | $386,698 (3.5%) | $424,454 (-9.7%) | 0.94 | 140 |
| 2025-03-01 | $387,950 (-2.9%) | $431,831 (-15.9%) | 0.91 | 168 |
| 2025-04-01 | $395,495 (-0.7%) | $473,606 (-8.8%) | 0.92 | 191 |
| 2025-05-01 | $415,000 (3.8%) | $527,520 (3.0%) | 0.94 | 210 |
| 2025-06-01 | $398,450 (2.2%) | $512,106 (4.3%) | 0.90 | 241 |
| 2025-07-01 | $404,495 (7.7%) | $526,096 (6.3%) | 0.92 | 246 |
| 2025-08-01 | $409,990 (10.8%) | $526,583 (8.9%) | 0.95 | 239 |
| 2025-09-01 | $411,218 (10.2%) | $543,046 (12.2%) | 0.97 | 230 |
| 2025-10-01 | $421,150 (10.9%) | $550,952 (12.8%) | 0.99 | 229 |
| 2025-11-01 | $422,400 (11.2%) | $580,259 (22.0%) | 1.02 | 205 |
| 2025-12-01 | $448,000 (22.1%) | $603,976 (37.0%) | 1.12 | 181 |
| 2026-01-01 | $499,900 (36.0%) | $644,366 (55.4%) | 1.25 | 158 |
| 2026-02-01 | $462,490 (19.6%) | $624,765 (47.2%) | 1.14 | 165 |
| 2026-03-01 | $449,743 (15.9%) | $621,379 (43.9%) | 1.08 | 186 |
| 2026-04-01 | $451,225 (14.1%) | $629,207 (32.9%) | 1.06 | 194 |
| 2026-05-01 | $432,500 (4.2%) | $605,313 (14.8%) | 1.01 | 206 |
| 2026-06-01 | $412,500 (3.5%) | $560,630 (9.5%) | 0.96 | 200 |
| 2026-07-01 | $417,450 (3.2%) | $535,762 (1.8%) | 0.97 | 223 |
| 2026-08-01 | $414,950 (1.2%) | $525,185 (-0.3%) | 0.98 | 232 |
| 2026-09-01 | $399,900 (-2.8%) | $506,984 (-6.6%) | 0.00 | 246 |
| 2026-10-01 | $399,900 (-5.1%) | $496,893 (-9.8%) | 0.00 | 279 |
STATE COLLEGE's median listing price for 2026-10-01 was $399,900, a difference of
$-21,250
(-5.1%) versus the prior year and
$0 versus the prior month.
STATE COLLEGE's median listing price comes in at 0% of the national average.
STATE COLLEGE's average listing price for 2026-10-01 was $496,893, a difference of $-54,059 (-9.8%) versus the prior year and $-10,091 versus the prior month.
For the 2026-10-01 period, STATE COLLEGE had 279 MLS listings, a difference of 33 listings (13%) versus the prior month and 50 listings (22%) versus the prior year.
STATE COLLEGE's median listing price comes in at 0% of the national average.
STATE COLLEGE's average listing price for 2026-10-01 was $496,893, a difference of $-54,059 (-9.8%) versus the prior year and $-10,091 versus the prior month.
For the 2026-10-01 period, STATE COLLEGE had 279 MLS listings, a difference of 33 listings (13%) versus the prior month and 50 listings (22%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - STATE COLLEGE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 80 days | 1,800 sqft |
| 2018-02-01 | 80 days | 1,851 sqft |
| 2018-03-01 | 51 days | 2,062 sqft |
| 2018-04-01 | 46 days | 2,049 sqft |
| 2018-05-01 | 45 days | 2,052 sqft |
| 2018-06-01 | 52 days | 2,154 sqft |
| 2018-07-01 | 64 days | 2,071 sqft |
| 2018-08-01 | 69 days | 2,133 sqft |
| 2018-09-01 | 70 days | 2,095 sqft |
| 2018-10-01 | 78 days | 2,029 sqft |
| 2018-11-01 | 79 days | 2,012 sqft |
| 2018-12-01 | 80 days | 1,909 sqft |
| 2019-01-01 | 78 days | 1,926 sqft |
| 2019-02-01 | 77 days | 2,028 sqft |
| 2019-03-01 | 51 days | 2,119 sqft |
| 2019-04-01 | 38 days | 2,215 sqft |
| 2019-05-01 | 44 days | 2,229 sqft |
| 2019-06-01 | 51 days | 2,149 sqft |
| 2019-07-01 | 54 days | 2,102 sqft |
| 2019-08-01 | 59 days | 2,079 sqft |
| 2019-09-01 | 67 days | 2,021 sqft |
| 2019-10-01 | 72 days | 1,957 sqft |
| 2019-11-01 | 72 days | 1,872 sqft |
| 2019-12-01 | 85 days | 1,770 sqft |
| 2020-01-01 | 80 days | 1,776 sqft |
| 2020-02-01 | 56 days | 1,842 sqft |
| 2020-03-01 | 40 days | 1,928 sqft |
| 2020-04-01 | 60 days | 1,941 sqft |
| 2020-05-01 | 72 days | 1,923 sqft |
| 2020-06-01 | 74 days | 2,006 sqft |
| 2020-07-01 | 61 days | 1,966 sqft |
| 2020-08-01 | 57 days | 1,963 sqft |
| 2020-09-01 | 60 days | 2,046 sqft |
| 2020-10-01 | 68 days | 2,094 sqft |
| 2020-11-01 | 83 days | 2,102 sqft |
| 2020-12-01 | 92 days | 2,041 sqft |
| 2021-01-01 | 64 days | 1,953 sqft |
| 2021-02-01 | 45 days | 1,876 sqft |
| 2021-03-01 | 50 days | 1,849 sqft |
| 2021-04-01 | 38 days | 1,705 sqft |
| 2021-05-01 | 37 days | 1,847 sqft |
| 2021-06-01 | 42 days | 1,884 sqft |
| 2021-07-01 | 42 days | 1,849 sqft |
| 2021-08-01 | 43 days | 1,875 sqft |
| 2021-09-01 | 50 days | 1,784 sqft |
| 2021-10-01 | 51 days | 1,801 sqft |
| 2021-11-01 | 60 days | 1,808 sqft |
| 2021-12-01 | 69 days | 1,855 sqft |
| 2022-01-01 | 75 days | 1,927 sqft |
| 2022-02-01 | 53 days | 2,008 sqft |
| 2022-03-01 | 32 days | 1,954 sqft |
| 2022-04-01 | 31 days | 1,956 sqft |
| 2022-05-01 | 32 days | 1,969 sqft |
| 2022-06-01 | 32 days | 1,959 sqft |
| 2022-07-01 | 33 days | 1,938 sqft |
| 2022-08-01 | 43 days | 1,986 sqft |
| 2022-09-01 | 49 days | 1,969 sqft |
| 2022-10-01 | 51 days | 1,971 sqft |
| 2022-11-01 | 57 days | 1,853 sqft |
| 2022-12-01 | 68 days | 1,912 sqft |
| 2023-01-01 | 75 days | 1,820 sqft |
| 2023-02-01 | 57 days | 1,988 sqft |
| 2023-03-01 | 33 days | 2,182 sqft |
| 2023-04-01 | 31 days | 2,236 sqft |
| 2023-05-01 | 46 days | 2,250 sqft |
| 2023-06-01 | 40 days | 2,385 sqft |
| 2023-07-01 | 37 days | 2,256 sqft |
| 2023-08-01 | 46 days | 2,261 sqft |
| 2023-09-01 | 38 days | 2,316 sqft |
| 2023-10-01 | 40 days | 2,178 sqft |
| 2023-11-01 | 43 days | 2,109 sqft |
| 2023-12-01 | 57 days | 2,001 sqft |
| 2024-01-01 | 72 days | 2,001 sqft |
| 2024-02-01 | 49 days | 2,002 sqft |
| 2024-03-01 | 36 days | 2,020 sqft |
| 2024-04-01 | 38 days | 2,052 sqft |
| 2024-05-01 | 43 days | 2,103 sqft |
| 2024-06-01 | 44 days | 2,125 sqft |
| 2024-07-01 | 51 days | 2,108 sqft |
| 2024-08-01 | 46 days | 2,012 sqft |
| 2024-09-01 | 40 days | 2,026 sqft |
| 2024-10-01 | 45 days | 2,062 sqft |
| 2024-11-01 | 58 days | 2,074 sqft |
| 2024-12-01 | 71 days | 2,045 sqft |
| 2025-01-01 | 85 days | 2,024 sqft |
| 2025-02-01 | 66 days | 1,959 sqft |
| 2025-03-01 | 29 days | 1,938 sqft |
| 2025-04-01 | 27 days | 1,971 sqft |
| 2025-05-01 | 33 days | 2,008 sqft |
| 2025-06-01 | 43 days | 1,945 sqft |
| 2025-07-01 | 50 days | 1,983 sqft |
| 2025-08-01 | 53 days | 1,945 sqft |
| 2025-09-01 | 58 days | 1,878 sqft |
| 2025-10-01 | 55 days | 1,928 sqft |
| 2025-11-01 | 71 days | 1,928 sqft |
| 2025-12-01 | 77 days | 1,894 sqft |
| 2026-01-01 | 92 days | 1,872 sqft |
| 2026-02-01 | 76 days | 1,926 sqft |
| 2026-03-01 | 41 days | 1,858 sqft |
| 2026-04-01 | 41 days | 1,931 sqft |
| 2026-05-01 | 43 days | 2,004 sqft |
| 2026-06-01 | 43 days | 2,173 sqft |
| 2026-07-01 | 41 days | 2,097 sqft |
| 2026-08-01 | 51 days | 2,180 sqft |
| 2026-09-01 | 0 days | 2,110 sqft |
| 2026-10-01 | 0 days | 2,088 sqft |
STATE COLLEGE's median listing age (time on market) for 2026-10-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
STATE COLLEGE's median square footage for active listings during the 2026-10-01 period was 2,088 sqft. One year prior, the average listing was 1,928 sqft.
STATE COLLEGE's median square footage for active listings during the 2026-10-01 period was 2,088 sqft. One year prior, the average listing was 1,928 sqft.
STATE COLLEGE, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,234 | $608,200,000 | $492,869 |
| Refi | 433 | $121,705,000 | $281,074 |
| Home Improvement | 430 | $45,220,000 | $105,163 |
| Other | 287 | $28,395,000 | $98,937 |
| Cash Out Refi | 266 | $51,180,000 | $192,406 |
State College's most frequently cited loan purpose was Home Purchase, with 1,234 originations. The 2nd most popular reason was Refi, with 433 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,150 | $348,420,000 | $302,974 |
| 5-6% | 601 | $326,425,000 | $543,136 |
| 7-8% | 409 | $112,815,000 | $275,831 |
| Over 8% | 192 | $19,730,000 | $102,760 |
| 4-5% | 58 | $9,750,000 | $168,103 |
| <2.5% | 7 | $715,000 | $102,143 |
| 3-4% | 4 | $840,000 | $210,000 |
| 2.5-3% | 3 | $265,000 | $88,333 |
During 2025, State College's most frequently originated rate bucket was 6-7%, with 1,150 originations.
Loan Sizing (STATE COLLEGE, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 934 | $264,180,000 | $282,848 |
| $100,000 or less | 680 | $36,930,000 | $54,309 |
| $100k-200k | 640 | $90,650,000 | $141,641 |
| $400k-600k | 282 | $132,770,000 | $470,816 |
| $600k-1000k | 96 | $70,350,000 | $732,813 |
| $Over $1MM | 18 | $259,820,000 | $14,434,444 |
STATE COLLEGE's loan sizing saw the bucket of loans from $200k-400k with 934 originations, totaling $264,180,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 720 | $252,560,000 | $350,778 |
| 60-80% | 524 | $233,720,000 | $446,031 |
| 20-40% | 435 | $55,505,000 | $127,598 |
| Under 20% | 411 | $24,245,000 | $58,990 |
| 40-60% | 291 | $234,595,000 | $806,168 |
| Over 100% | 11 | $3,785,000 | $344,091 |
STATE COLLEGE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 720 originations, totaling $252,560,000 in origination value.