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
6.42%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.82% and
one month ago for the week of 2025-05-29, the
average rate was 6.64%.
State College's average rate one year ago was 6.71%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.57%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| State College 30 Year Fixed Rate | 2025-07-03 | 6.42% |
| State College 30 Year Fixed Rate Refi | 2025-07-03 | 6.57% |
| State College 15 Year Fixed Rate | 2025-07-03 | 5.7% |
| State College 15 Year Fixed Rate Refi | 2025-07-03 | 6.2% |
| State College 30 Year FHA | 2025-07-03 | 0% |
| State College 30 Year FHA Refi | 2025-07-03 | 0.2% |
| State College 30 Year USDA | 2025-07-03 | 0.1% |
| State College 30 Year USDA Refi | 2025-07-03 | -0.1% |
| State College 30 Year VA | 2025-07-03 | -0.1% |
| State College 30 Year VA Refi | 2025-07-03 | -0.2% |
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 2,257
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 |
| 2025-05-01 | $415,000 (3.8%) | $527,520 (3.0%) | 0.94 | 210 |
STATE COLLEGE's median listing price for 2025-05-01 was $415,000, a difference of
$15,055
(3.8%) versus the prior year and
$19,505 versus the prior month.
STATE COLLEGE's median listing price comes in at 94% of the national average.
STATE COLLEGE's average listing price for 2025-05-01 was $527,520, a difference of $15,236 (3.0%) versus the prior year and $53,914 versus the prior month.
For the 2025-05-01 period, STATE COLLEGE had 210 MLS listings, a difference of 19 listings (10%) versus the prior month and 49 listings (30%) versus the prior year.
STATE COLLEGE's median listing price comes in at 94% of the national average.
STATE COLLEGE's average listing price for 2025-05-01 was $527,520, a difference of $15,236 (3.0%) versus the prior year and $53,914 versus the prior month.
For the 2025-05-01 period, STATE COLLEGE had 210 MLS listings, a difference of 19 listings (10%) versus the prior month and 49 listings (30%) 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 |
| 2025-05-01 | 33 days | 2,010 sqft |
STATE COLLEGE's median listing age (time on market) for 2025-05-01 was 33 days.
This
is -24%
shorter
than the same period one year ago.
STATE COLLEGE's median square footage for active listings during the 2025-05-01 period was 2,010 sqft. One year prior, the average listing was 2,103 sqft.
STATE COLLEGE's median square footage for active listings during the 2025-05-01 period was 2,010 sqft. One year prior, the average listing was 2,103 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.