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 6.61% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

The average rate for the prior week (2025-05-15) was 6.76% and one month ago for the week of 2025-04-17, the average rate was 6.78%.

State College's average rate one year ago was 7.17%.

For refis of the same type during the week of 2025-05-22, the average rate was 6.96%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-05-22 6.86%
State College 30 Year Fixed Rate 2025-05-22 6.61%
State College 30 Year Fixed Rate Refi 2025-05-22 6.96%
State College 15 Year Fixed Rate 2025-05-22 5.91%
State College 15 Year Fixed Rate Refi 2025-05-22 6.21%
State College 30 Year FHA 2025-05-22 6.41%
State College 30 Year FHA Refi 2025-05-22 6.81%
State College 30 Year USDA 2025-05-22 6.43%
State College 30 Year USDA Refi 2025-05-22 6.43%
State College 30 Year VA 2025-05-22 6.72%
State College 30 Year VA Refi 2025-05-22 6.32%
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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 84 6.71% $6,206
UNITED WHOLESALE MORTGAGE, LLC 83 6.83% $5,807
QUICKEN LOANS, LLC 75 6.69% $6,339
Kish Bank 65 6.36% $5,444
PENNYMAC LOAN SERVICES, LLC 31 6.60% $7,812
Citizens Bank 30 6.55% $6,645
UNION HOME MORTGAGE CORP. 25 6.42% $5,873
First National Bank of Pennsylvania 24 6.77% $5,875
NEWREZ LLC 21 7.08% $8,132
Univest Bank and Trust Co. 15 6.48% $6,912
PENNSYLVANIA STATE EMPLOYEES Credit Union 13 6.37% $3,080
CNB Bank 13 6.76% $3,781
PLANET HOME LENDING, LLC 11 6.52% $5,867
MEMBER FIRST MORTGAGE, LLC 10 6.55% $5,072
JPMorgan Chase Bank 8 7.09% $6,152
HOMESIDE FINANCIAL, LLC 8 6.95% $8,320
Flagstar Bank, FSB 8 6.83% $6,474
Princeton Mortgage Corporation 7 6.66% $9,184
Century Mortgage Company DBA Century Lending Company 7 7.09% $8,114
Northwest Bank 6 7.10% $4,389
MidAtlantic Farm Credit, ACA 6 6.86% $9,310
M&T Bank 6 6.77% $4,660
Bank of America 6 6.65% $5,895
Jersey Shore State Bank 6 7.10% $6,558
PNC Bank 5 6.45% $5,584
AFFORDABLE MORTGAGE ADVISORS, LLC. 4 6.56% $4,789
NAVY FEDERAL CREDIT UNION 4 7.06% $4,805
NexBank 4 6.90% $5,882
FREEDOM MORTGAGE CORPORATION 4 7.15% $11,339
First Columbia Bank & Trust Co. 4 6.86% $4,198
First Commonwealth Bank 4 6.72% $5,147
Morgan Stanley Private Bank 4 6.24% $5,655
FIRST COMMUNITY MORTGAGE, INC. 3 6.16% $7,170
Wells Fargo Bank 3 7.00% $6,600
CROSSCOUNTRY MORTGAGE, LLC 3 7.13% $9,901
Plains Commerce Bank 3 6.71% $7,420
Fulton Bank 2 7.44% $4,036
First Citizens Community Bank 2 6.38% $5,234
BROKER SOLUTIONS, INC. 2 6.43% $12,809
Metro City Bank 2 7.25% $11,098
GUARANTEED RATE AFFINITY, LLC 2 6.99% $8,452
USAA Federal Savings Bank 2 6.94% $5,327
U.S. Bank 2 7.31% $5,049
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.49% $12,929
MOVEMENT MORTGAGE, LLC 2 6.91% $8,889
GUILD MORTGAGE COMPANY 2 6.49% $7,108
Ixonia Bank 2 6.38% $10,029
NATIONS DIRECT MORTGAGE, LLC 2 6.93% $7,824
Charles Schwab Bank, SSB 2 5.55% $5,145
The Huntington National Bank 2 7.19% $7,083
PENTAGON FEDERAL CREDIT UNION 2 6.06% $6,075
TD Bank 1 6.88% $5,409
The Loan Store, Inc. 1 6.63% $9,089
TOWER 1 7.00% $6,240
TOWNE MORTGAGE COMPANY 1 6.50% $6,759
Truist 1 7.60% $9,683
TRUMARK FINANCIAL CREDIT UNION 1 6.63% $5,379
WesBanco 1 6.88% $4,465
Wilmington Savings Fund Society, FSB 1 6.00% $3,827
WRIGHT-PATT CREDIT UNION, INC. 1 7.25% $3,946
York Traditions Bank 1 6.00% $5,195
ZILLOW HOME LOANS, LLC 1 6.13% $5,000
American Mortgage & Equity Consultants, Inc. 1 6.63% $12,431
AmeriHome Mortgage Company, LLC 1 6.50% $4,524
ARC HOME LLC 1 8.00% $12,931
Atlantic Coast Mortgage, LLC 1 8.00% $5,260
Bank of Hope 1 6.25% $5,184
BNY Mellon 1 7.00% $5,581
Boeing Employees Credit Union 1 6.38% $3,364
CARDINAL FINANCIAL 1 6.13% $4,233
CITADEL FEDERAL CREDIT UNION 1 6.88% $4,707
Citadel Servicing Corporation 1 11.50% $7,223
Citizens & Northern Bank 1 6.13% $7,534
CMG MORTGAGE, INC. 1 7.49% $10,209
Community State Bank of Orbisonia 1 5.30% $3,612
CORNING 1 6.00% $6,825
DAS Acquisition Company, LLC 1 6.13% $5,343
DEVELOPER'S MORTGAGE COMPANY 1 7.00% $8,502
DIRECT MORTGAGE LOANS, LLC 1 7.38% $6,151
Dollar Bank, Federal Savings Bank 1 7.25% $6,345
EMM LOANS LLC 1 6.50% $15,856
ESSA Bank & Trust 1 7.40% $5,279
First Commonwealth Federal Credit Union 1 5.38% $4,057
First Heritage Mortgage, LLC 1 6.50% $4,651
FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION 1 6.25% $5,830
General Mortgage Capital Corporation 1 6.63% $5,791
GUARANTEED RATE, INC. 1 6.63% $5,379
InFirst Bank 1 6.83% $3,741
IVY MORTGAGE, INC. 1 7.00% $4,788
Keystone Funding, Inc. 1 6.00% $5,638
LENDSURE MORTGAGE CORP. 1 8.13% $9,164
LOANDEPOT.COM, LLC 1 7.13% $11,594
MICHIGAN MUTUAL, INC. 1 6.50% $5,475
MILLENNIUM FINANCIAL GROUP, INC. 1 7.13% $4,939
Mortgage Research Center, LLC 1 7.13% $5,675
Mr. Cooper ( Nationstar Mortgage ) 1 6.99% $6,727
NBKC BANK 1 6.75% $3,144
NETWORK CAPITAL FUNDING CORPORATION 1 6.88% $10,481
NFM, INC. 1 5.99% $7,488
Northpointe Bank 1 6.00% $5,237
NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.63% $5,045
OWNERSCHOICE FUNDING, INCORPORATED 1 7.13% $4,317
Penn Community Bank 1 7.13% $5,587
PHH Mortgage Corporation 1 6.25% $4,899
PHILADELPHIA 1 6.38% $7,134
PLAZA HOME MORTGAGE, INC. 1 5.88% $6,720
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.13% $6,044
PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.38% $7,466
Raymond James Bank 1 6.38% $2,782
ROYAL UNITED MORTGAGE LLC 1 6.63% $9,423
S&T Bank 1 6.63% $4,492
SWBC MORTGAGE CORPORATION 1 7.00% $4,157

STATE COLLEGE Average Closing Costs & Other Stats

STATE COLLEGE, PA's 112 lenders originated 2,257 loans during 2024. The total origination value was $532,935,000, with an average loan value of $236,125.

STATE COLLEGE's average closing costs are $5,844.

The top STATE COLLEGE lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 84 loans originated. Their average total fees are $6,206, which is $398 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee STATE COLLEGE lenders (with over 10 loans originated) are PENNSYLVANIA STATE EMPLOYEES Credit Union ($3,080), CNB Bank ($3,781), MEMBER FIRST MORTGAGE, LLC ($5,072), Kish Bank ($5,444) and UNITED WHOLESALE MORTGAGE, LLC ($5,807).

The lowest rate STATE COLLEGE lenders (with over 10 loans originated) are Kish Bank (6.36%), PENNSYLVANIA STATE EMPLOYEES Credit Union (6.37%), UNION HOME MORTGAGE CORP. (6.42%), Univest Bank and Trust Co. (6.48%) and PLANET HOME LENDING, LLC (6.52%).

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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
Kish Bank $57,475,000 $65,140,000 13.3% 12.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $28,055,000 $36,335,000 29.5% 6.8%
UNITED WHOLESALE MORTGAGE, LLC $46,580,000 $35,855,000 -23.0% 6.7%
Jersey Shore State Bank $33,690,000 $30,120,000 -10.6% 5.7%
QUICKEN LOANS, LLC $17,845,000 $30,105,000 68.7% 5.6%
JPMorgan Chase Bank $2,000,000 $25,025,000 1,151.3% 4.7%
Citizens Bank $49,875,000 $23,385,000 -53.1% 4.4%
First National Bank of Pennsylvania $22,810,000 $20,195,000 -11.5% 3.8%
PENNYMAC LOAN SERVICES, LLC $1,655,000 $19,020,000 1,049.2% 3.6%
Reliance Savings Bank $12,570,000 $18,320,000 45.7% 3.4%
PENNSYLVANIA STATE EMPLOYEES Credit Union $10,700,000 $13,920,000 30.1% 2.6%
AmeriServ Financial Bank $23,620,000 $11,020,000 -53.3% 2.1%
UNION HOME MORTGAGE CORP. $7,855,000 $9,130,000 16.2% 1.7%
PNC Bank $7,225,000 $8,610,000 19.2% 1.6%
M&T Bank $8,765,000 $8,540,000 -2.6% 1.6%
Northwest Bank $13,995,000 $8,395,000 -40.0% 1.6%
NEWREZ LLC $4,865,000 $8,010,000 64.6% 1.5%
CNB Bank $10,160,000 $7,830,000 -22.9% 1.5%
Penn State Federal Credit Union $7,490,000 $7,435,000 -0.7% 1.4%
Univest Bank and Trust Co. $1,035,000 $6,515,000 529.5% 1.2%
Mortgage Research Center, LLC $3,975,000 $5,395,000 35.7% 1.0%
MidAtlantic Farm Credit, ACA $1,575,000 $5,385,000 241.9% 1.0%
NAVY FEDERAL CREDIT UNION $5,060,000 $4,865,000 -3.9% 0.9%
PLANET HOME LENDING, LLC $4,605,000 n/a 0.9%
Bank of America $3,400,000 $3,740,000 10.0% 0.7%
Century Mortgage Company DBA Century Lending Company $2,430,000 $3,460,000 42.4% 0.6%
Flagstar Bank, FSB $2,490,000 $3,370,000 35.3% 0.6%
First Commonwealth Bank $2,630,000 $3,220,000 22.4% 0.6%
HOMESIDE FINANCIAL, LLC $3,595,000 $3,055,000 -15.0% 0.6%
Princeton Mortgage Corporation $540,000 $3,030,000 461.1% 0.6%
Titan FCU $2,445,000 $2,860,000 17.0% 0.5%
MEMBER FIRST MORTGAGE, LLC $995,000 $2,560,000 157.3% 0.5%
FREEDOM MORTGAGE CORPORATION $600,000 $2,385,000 297.5% 0.4%
First Columbia Bank & Trust Co. $280,000 $2,315,000 726.8% 0.4%
Mifflinburg Bank and Trust Company $1,485,000 $2,210,000 48.8% 0.4%
Morgan Stanley Private Bank $1,005,000 $2,160,000 114.9% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $1,545,000 $2,130,000 37.9% 0.4%
CMG MORTGAGE, INC. $2,025,000 $1,805,000 -10.9% 0.3%
Fulton Bank $1,245,000 $1,625,000 30.5% 0.3%
LOANDEPOT.COM, LLC $1,005,000 $1,530,000 52.2% 0.3%
Truist $1,095,000 $1,530,000 39.7% 0.3%
NexBank $275,000 $1,445,000 425.5% 0.3%
Arbor Realty Trust, Inc. $1,365,000 n/a 0.3%
The Huntington National Bank $925,000 $1,365,000 47.6% 0.3%
The Juniata Valley Bank $3,155,000 $1,340,000 -57.5% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $1,650,000 $1,260,000 -23.6% 0.2%
Equity Prime Mortgage LLC $135,000 $1,235,000 814.8% 0.2%
AMERISAVE MORTGAGE CORPORATION $1,720,000 $1,180,000 -31.4% 0.2%
IVY MORTGAGE, INC. $1,165,000 $1,175,000 0.9% 0.2%
MOVEMENT MORTGAGE, LLC $1,130,000 n/a 0.2%
AFFORDABLE MORTGAGE ADVISORS, LLC. $1,125,000 n/a 0.2%
Discover Bank $390,000 $1,090,000 179.5% 0.2%
The Loan Store, Inc. $670,000 $1,080,000 61.2% 0.2%
LAKEVIEW LOAN SERVICING, LLC $225,000 $1,070,000 375.6% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $610,000 $1,070,000 75.4% 0.2%
USAA Federal Savings Bank $385,000 $1,050,000 172.7% 0.2%
NBKC BANK $1,015,000 n/a 0.2%
Plains Commerce Bank $620,000 $1,015,000 63.7% 0.2%
GUARANTEED RATE AFFINITY, LLC $970,000 n/a 0.2%
BROKER SOLUTIONS, INC. $1,410,000 $950,000 -32.6% 0.2%
NATIONS DIRECT MORTGAGE, LLC $475,000 $935,000 96.8% 0.2%
Woodlands Bank $200,000 $915,000 357.5% 0.2%
Metro City Bank $295,000 $850,000 188.1% 0.2%
HORIZON Federal Credit Union $625,000 $845,000 35.2% 0.2%
Ixonia Bank $695,000 $790,000 13.7% 0.1%
Wells Fargo Bank $2,925,000 $785,000 -73.2% 0.1%
U.S. Bank $685,000 $755,000 10.2% 0.1%
SWBC MORTGAGE CORPORATION $725,000 $725,000 0.0% 0.1%
Penn Community Bank $705,000 n/a 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $660,000 n/a 0.1%
CORNING $980,000 $655,000 -33.2% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $655,000 n/a 0.1%
MEMBERS 1ST FEDERAL CREDIT UNION $595,000 $655,000 10.1% 0.1%
GUARANTEED RATE, INC. $245,000 $650,000 165.3% 0.1%
General Mortgage Capital Corporation $640,000 n/a 0.1%
Wilmington Savings Fund Society, FSB $635,000 n/a 0.1%
LOANPAL, LLC $165,000 $610,000 269.7% 0.1%
CARDINAL FINANCIAL $575,000 n/a 0.1%
MICHIGAN MUTUAL, INC. $3,775,000 $575,000 -84.8% 0.1%
TOWER $490,000 $575,000 17.3% 0.1%
Charles Schwab Bank, SSB $570,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $480,000 $560,000 16.7% 0.1%
TRUMARK FINANCIAL CREDIT UNION $490,000 $560,000 14.3% 0.1%
PENTAGON FEDERAL CREDIT UNION $445,000 $555,000 24.7% 0.1%
TD Bank $520,000 $555,000 6.7% 0.1%
Axos Bank $535,000 n/a 0.1%
TOWNE MORTGAGE COMPANY $1,360,000 $520,000 -61.8% 0.1%
S&T Bank $1,235,000 $510,000 -58.7% 0.1%
BNY Mellon $505,000 n/a 0.1%
FIRST COLONY MORTGAGE CORPORATION $495,000 n/a 0.1%
GUILD MORTGAGE COMPANY $985,000 $490,000 -50.3% 0.1%
First Citizens Community Bank $3,170,000 $470,000 -85.2% 0.1%
Dollar Bank, Federal Savings Bank $205,000 $465,000 126.8% 0.1%
The Federal Savings Bank $225,000 $460,000 104.4% 0.1%
ESSA Bank & Trust $455,000 n/a 0.1%
Strong Home Mortgage, LLC $425,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $415,000 n/a 0.1%
MILLENNIUM FINANCIAL GROUP, INC. $405,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $405,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $380,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $215,000 $370,000 72.1% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $845,000 $365,000 -56.8% 0.1%
DEVELOPER'S MORTGAGE COMPANY $355,000 n/a 0.1%
Magnolia Bank $355,000 n/a 0.1%
PURDUE FEDERAL CREDIT UNION $355,000 n/a 0.1%
1st Summit Bank $375,000 $345,000 -8.0% 0.1%
Merchants Mortgage & Trust Corporation $345,000 n/a 0.1%
Community State Bank of Orbisonia $335,000 n/a 0.1%
GSF Mortgage Corporation $265,000 $335,000 26.4% 0.1%
Susquehanna Community Bank $955,000 $335,000 -64.9% 0.1%
EMM LOANS LLC $890,000 $325,000 -63.5% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $325,000 n/a 0.1%
NFM, INC. $205,000 $325,000 58.5% 0.1%
ARC HOME LLC $315,000 n/a 0.1%
CITADEL FEDERAL CREDIT UNION $315,000 n/a 0.1%
Baxter Credit Union $305,000 n/a 0.1%
Citizens & Northern Bank $715,000 $305,000 -57.3% 0.1%
USX Federal Credit Union $305,000 n/a 0.1%
Fifth Third Bank $295,000 n/a 0.1%
First Heritage Mortgage, LLC $295,000 n/a 0.1%
PennCrest Bank $505,000 $295,000 -41.6% 0.1%
Atlantic Coast Mortgage, LLC $285,000 n/a 0.1%
WesBanco $680,000 $285,000 -58.1% 0.1%
Blue Ridge Bank $280,000 n/a 0.1%
Keystone Funding, Inc. $275,000 n/a 0.1%
FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION $265,000 n/a 0.0%
Mid-Continent Funding, Inc. $265,000 n/a 0.0%
Orrstown Bank $95,000 $255,000 168.4% 0.0%
Bank of Hope $245,000 n/a 0.0%
American Mortgage & Equity Consultants, Inc. $235,000 n/a 0.0%
NOVA FINANCIAL & INVESTMENT CORPORATION $235,000 n/a 0.0%
OWNERSCHOICE FUNDING, INCORPORATED $235,000 n/a 0.0%
Raymond James Bank $235,000 n/a 0.0%
VILLAGE CAPITAL MORTGAGE $235,000 $235,000 0.0% 0.0%
DIRECT MORTGAGE LOANS, LLC $225,000 n/a 0.0%
First Commonwealth Federal Credit Union $255,000 $215,000 -15.7% 0.0%
GOLD Credit Union $215,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $1,605,000 $215,000 -86.6% 0.0%
WRIGHT-PATT CREDIT UNION, INC. $215,000 n/a 0.0%
Arvest Bank $205,000 n/a 0.0%
Boeing Employees Credit Union $205,000 n/a 0.0%
Carrington Mortgage Services, LLC $700,000 $205,000 -70.7% 0.0%
EVERENCE FEDERAL CREDIT UNION $390,000 $205,000 -47.4% 0.0%
InFirst Bank $205,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $205,000 n/a 0.0%
Nations Lending Corporation $205,000 n/a 0.0%
PHILADELPHIA $205,000 n/a 0.0%
Figure Lending LLC $35,000 $190,000 442.9% 0.0%
Members Choice Financial Credit Union $115,000 $180,000 56.5% 0.0%
AMERICAN FINANCING CORPORATION $150,000 $175,000 16.7% 0.0%
AmeriHome Mortgage Company, LLC $175,000 n/a 0.0%
DAS Acquisition Company, LLC $175,000 n/a 0.0%
Acre Mortgage and Financial Inc $165,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $165,000 n/a 0.0%
ARC Federal Credit Union $165,000 n/a 0.0%
NEW DAY FINANCIAL, LLC $1,120,000 $165,000 -85.3% 0.0%
ROYAL UNITED MORTGAGE LLC $260,000 $165,000 -36.5% 0.0%
The Ephrata National Bank $1,870,000 $160,000 -91.4% 0.0%
Citadel Servicing Corporation $145,000 n/a 0.0%
SPRING EQ, LLC $145,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $135,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $135,000 n/a 0.0%
21ST MORTGAGE CORPORATION $135,000 $120,000 -11.1% 0.0%
York Traditions Bank $1,100,000 $115,000 -89.5% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $160,000 $110,000 -31.3% 0.0%
ALLEGACY FEDERAL CREDIT UNION $105,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $100,000 n/a 0.0%
Northpointe Bank $1,085,000 $95,000 -91.2% 0.0%
Northwest Federal Credit Union $95,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $130,000 $85,000 -34.6% 0.0%
Coastal Community Bank $80,000 n/a 0.0%
Hometown Bank of Pennsylvania $65,000 n/a 0.0%
PATRIOT $65,000 n/a 0.0%
Deere Employees Credit Union $55,000 n/a 0.0%
GREENWOOD $55,000 n/a 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $45,000 n/a 0.0%
PHH Mortgage Corporation $105,000 $45,000 -57.1% 0.0%
Mid Penn Bank $610,000 $30,000 -95.1% 0.0%
Diamond Credit Union $25,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%
POLICE & FIRE $180,000 $25,000 -86.1% 0.0%
SERVICE 1ST $25,000 n/a 0.0%
Bethpage Federal Credit Union $15,000 n/a 0.0%

STATE COLLEGE's top lender by overall market share is Kish Bank, with 12.2% market share. In second place, with 6.8%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $36,335,000 in loans. In third place, with 6.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $35,855,000 in loans. In fourth place, with 5.7%, is Jersey Shore State Bank, having originated $30,120,000 in loans. In fifth place, with 5.6%, is QUICKEN LOANS, LLC, having originated $30,105,000 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 $373,220 (-17.1%) $480,490 (-11.8%) 0.88 197
2024-10-01 $379,698 (-10.0%) $486,197 (-1.9%) 0.89 200
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
STATE COLLEGE's median listing price for 2025-04-01 was $395,495, a difference of $-2,703 (-0.7%) versus the prior year and $7,545 versus the prior month.

STATE COLLEGE's median listing price comes in at 92% of the national average.

STATE COLLEGE's average listing price for 2025-04-01 was $473,606, a difference of $-45,610 (-8.8%) versus the prior year and $41,775 versus the prior month.

For the 2025-04-01 period, STATE COLLEGE had 191 MLS listings, a difference of 23 listings (14%) versus the prior month and 21 listings (12%) 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 1,845 sqft
2021-08-01 43 days 1,877 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 2,000 sqft
2023-03-01 33 days 2,193 sqft
2023-04-01 31 days 2,250 sqft
2023-05-01 46 days 2,257 sqft
2023-06-01 40 days 2,385 sqft
2023-07-01 37 days 2,260 sqft
2023-08-01 46 days 2,275 sqft
2023-09-01 38 days 2,338 sqft
2023-10-01 40 days 2,173 sqft
2023-11-01 43 days 2,094 sqft
2023-12-01 57 days 2,001 sqft
2024-01-01 72 days 2,000 sqft
2024-02-01 49 days 1,993 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 2,018 sqft
2024-10-01 45 days 2,045 sqft
2024-11-01 58 days 2,072 sqft
2024-12-01 71 days 2,044 sqft
2025-01-01 85 days 2,009 sqft
2025-02-01 66 days 1,950 sqft
2025-03-01 29 days 1,937 sqft
2025-04-01 27 days 1,969 sqft
STATE COLLEGE's median listing age (time on market) for 2025-04-01 was 27 days. This is -30% shorter than the same period one year ago.

STATE COLLEGE's median square footage for active listings during the 2025-04-01 period was 1,969 sqft. One year prior, the average listing was 2,052 sqft.

STATE COLLEGE, PA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,163 $362,005,000 $311,268
Home Improvement 366 $31,140,000 $85,082
Other 282 $28,130,000 $99,752
Refi 265 $79,355,000 $299,453
Cash Out Refi 181 $32,305,000 $178,481

State College's most frequently cited loan purpose was Home Purchase, with 1,163 originations. The 2nd most popular reason was Home Improvement, with 366 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 920 $231,470,000 $251,598
7-8% 408 $96,440,000 $236,373
Over 8% 341 $46,915,000 $137,581
5-6% 341 $108,555,000 $318,343
<2.5% 19 $725,000 $38,158
4-5% 14 $3,730,000 $266,429
3-4% 3 $1,675,000 $558,333
2.5-3% 1 $235,000 $235,000

During 2024, State College's most frequently originated rate bucket was 6-7%, with 920 originations.

Loan Sizing (STATE COLLEGE, PA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 783 $222,595,000 $284,285
$100,000 or less 647 $34,085,000 $52,682
$100k-200k 527 $77,385,000 $146,841
$400k-600k 217 $102,305,000 $471,452
$600k-1000k 60 $42,170,000 $702,833
$Over $1MM 23 $54,395,000 $2,365,000

STATE COLLEGE's loan sizing saw the bucket of loans from $200k-400k with 783 originations, totaling $222,595,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 631 $217,305,000 $344,382
60-80% 455 $133,925,000 $294,341
Under 20% 395 $21,235,000 $53,759
20-40% 314 $38,980,000 $124,140
40-60% 221 $66,955,000 $302,964
Over 100% 18 $6,870,000 $381,667

STATE COLLEGE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 631 originations, totaling $217,305,000 in origination value.