Sunbury Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Sunbury averaged
6.89%
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
6.69% and
one month ago for the week of 2025-05-29, the
average rate was 7.01%.
Sunbury's average rate one year ago was 6.88%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.87%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Sunbury 30 Year Fixed Rate | 2025-07-03 | 6.89% |
| Sunbury 30 Year Fixed Rate Refi | 2025-07-03 | 6.87% |
| Sunbury 15 Year Fixed Rate | 2025-07-03 | 5.9% |
| Sunbury 15 Year Fixed Rate Refi | 2025-07-03 | 6.4% |
| Sunbury 30 Year FHA | 2025-07-03 | -0.06% |
| Sunbury 30 Year FHA Refi | 2025-07-03 | 0% |
| Sunbury 30 Year USDA | 2025-07-03 | -0.2% |
| Sunbury 30 Year USDA Refi | 2025-07-03 | 0% |
| Sunbury 30 Year VA | 2025-07-03 | 0.1% |
| Sunbury 30 Year VA Refi | 2025-07-03 | 0.2% |
Sunbury 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 Sunbury, 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.).
Sunbury Average Closing Costs & Other Stats
Sunbury, PA's 75 lenders originated 1,403
loans during 2024. The total origination value was $186,075,000, with an average loan value of
$132,627.
Sunbury's average closing costs are $5,339.
The top Sunbury lender as defined by loan originations is QUICKEN LOANS, LLC, with
41 loans originated. Their average total fees are
$6,012, which is $2,343
higher than the next largest lender,
First Columbia Bank & Trust Co..
The lowest fee Sunbury lenders (with over 10 loans originated) are
PENNSYLVANIA STATE EMPLOYEES Credit Union ($2,600), First Columbia Bank & Trust Co. ($3,669), First National Bank of Pennsylvania ($3,913), Fulton Bank ($4,622) and Mortgage America, Inc. ($4,739).
The lowest rate Sunbury lenders (with over 10 loans originated) are
Mortgage America, Inc. (6.33%), First National Bank of Pennsylvania (6.64%), Fulton Bank (6.69%), PENNSYLVANIA STATE EMPLOYEES Credit Union (6.76%) and QUICKEN LOANS, LLC (6.81%).
Sunbury, 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 |
|---|---|---|---|---|
| SERVICE 1ST | $3,745,000 | $18,195,000 | 385.8% | 9.8% |
| QUICKEN LOANS, LLC | $14,860,000 | $13,355,000 | -10.1% | 7.2% |
| First Columbia Bank & Trust Co. | $9,340,000 | $12,795,000 | 37.0% | 6.9% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $6,900,000 | $8,565,000 | 24.1% | 4.6% |
| Susquehanna Community Bank | $8,790,000 | $8,310,000 | -5.5% | 4.5% |
| Mortgage Research Center, LLC | $3,395,000 | $7,140,000 | 110.3% | 3.8% |
| Mifflinburg Bank and Trust Company | $4,620,000 | $6,955,000 | 50.5% | 3.7% |
| Jersey Shore State Bank | $5,370,000 | $6,210,000 | 15.6% | 3.3% |
| Fulton Bank | $5,875,000 | $6,155,000 | 4.8% | 3.3% |
| M&T Bank | $6,315,000 | $6,110,000 | -3.2% | 3.3% |
| Mortgage America, Inc. | $2,575,000 | $5,740,000 | 122.9% | 3.1% |
| First National Bank of Pennsylvania | $3,685,000 | $4,810,000 | 30.5% | 2.6% |
| UNB Bank | $5,220,000 | $4,790,000 | -8.2% | 2.6% |
| Members Choice Financial Credit Union | $6,845,000 | $3,900,000 | -43.0% | 2.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,820,000 | $3,720,000 | 31.9% | 2.0% |
| Truist | $2,930,000 | $2,810,000 | -4.1% | 1.5% |
| ALLIED MORTGAGE GROUP, INC. | $3,295,000 | $2,700,000 | -18.1% | 1.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,655,000 | $2,375,000 | -58.0% | 1.3% |
| PENNYMAC LOAN SERVICES, LLC | $840,000 | $2,275,000 | 170.8% | 1.2% |
| Citizens & Northern Bank | $655,000 | $2,185,000 | 233.6% | 1.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $770,000 | $2,145,000 | 178.6% | 1.2% |
| MidAtlantic Farm Credit, ACA | $985,000 | $2,115,000 | 114.7% | 1.1% |
| FIRST HERITAGE FINANCIAL, LLC | $1,130,000 | $2,110,000 | 86.7% | 1.1% |
| USAA Federal Savings Bank | $765,000 | $2,100,000 | 174.5% | 1.1% |
| First Commonwealth Bank | $2,450,000 | $2,000,000 | -18.4% | 1.1% |
| Waterstone Mortgage Corporation | $1,625,000 | $1,875,000 | 15.4% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $955,000 | $1,760,000 | 84.3% | 0.9% |
| BROKER SOLUTIONS, INC. | $755,000 | $1,550,000 | 105.3% | 0.8% |
| NEW DAY FINANCIAL, LLC | $430,000 | $1,410,000 | 227.9% | 0.8% |
| The Gratz Bank | $2,275,000 | $1,360,000 | -40.2% | 0.7% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $685,000 | $1,255,000 | 83.2% | 0.7% |
| MICHIGAN MUTUAL, INC. | $1,185,000 | n/a | 0.6% | |
| ZILLOW HOME LOANS, LLC | $1,120,000 | n/a | 0.6% | |
| CMG MORTGAGE, INC. | $670,000 | $1,110,000 | 65.7% | 0.6% |
| Woodlands Bank | $1,065,000 | n/a | 0.6% | |
| GUILD MORTGAGE COMPANY | $1,065,000 | $1,000,000 | -6.1% | 0.5% |
| Morgan Stanley Private Bank | $985,000 | n/a | 0.5% | |
| LOANDEPOT.COM, LLC | $1,560,000 | $885,000 | -43.3% | 0.5% |
| PNC Bank | $530,000 | $850,000 | 60.4% | 0.5% |
| UNION HOME MORTGAGE CORP. | $145,000 | $810,000 | 458.6% | 0.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $115,000 | $805,000 | 600.0% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $310,000 | $790,000 | 154.8% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $940,000 | $755,000 | -19.7% | 0.4% |
| Century Mortgage Company DBA Century Lending Company | $715,000 | $735,000 | 2.8% | 0.4% |
| Prosperity Home Mortgage, LLC | $1,075,000 | $715,000 | -33.5% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $560,000 | $695,000 | 24.1% | 0.4% |
| NATIONS DIRECT MORTGAGE, LLC | $530,000 | $665,000 | 25.5% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $435,000 | $635,000 | 46.0% | 0.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $880,000 | $625,000 | -29.0% | 0.3% |
| Wells Fargo Bank | $1,170,000 | $625,000 | -46.6% | 0.3% |
| Community Bank | $85,000 | $615,000 | 623.5% | 0.3% |
| NEWREZ LLC | $260,000 | $595,000 | 128.8% | 0.3% |
| DOMINION FINANCIAL SERVICES, LLC | $575,000 | n/a | 0.3% | |
| Citizens Bank | $3,025,000 | $525,000 | -82.6% | 0.3% |
| TOWNE MORTGAGE COMPANY | $300,000 | $525,000 | 75.0% | 0.3% |
| The Juniata Valley Bank | $285,000 | $505,000 | 77.2% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $495,000 | n/a | 0.3% | |
| Flagstar Bank, FSB | $495,000 | n/a | 0.3% | |
| HOMESIDE FINANCIAL, LLC | $485,000 | n/a | 0.3% | |
| PLAZA HOME MORTGAGE, INC. | $175,000 | $480,000 | 174.3% | 0.3% |
| First Keystone Community Bank | $795,000 | $470,000 | -40.9% | 0.3% |
| The Ephrata National Bank | $780,000 | $465,000 | -40.4% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $355,000 | $445,000 | 25.4% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $225,000 | $430,000 | 91.1% | 0.2% |
| Carrington Mortgage Services, LLC | $55,000 | $425,000 | 672.7% | 0.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $415,000 | n/a | 0.2% | |
| Northpointe Bank | $205,000 | $415,000 | 102.4% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $905,000 | $385,000 | -57.5% | 0.2% |
| NBKC BANK | $365,000 | n/a | 0.2% | |
| SWBC MORTGAGE CORPORATION | $360,000 | n/a | 0.2% | |
| Figure Lending LLC | $215,000 | $320,000 | 48.8% | 0.2% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $315,000 | n/a | 0.2% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $165,000 | $305,000 | 84.8% | 0.2% |
| Bank of America | $95,000 | $295,000 | 210.5% | 0.2% |
| HORIZON Federal Credit Union | $55,000 | $290,000 | 427.3% | 0.2% |
| North American Savings Bank, F.S.B. | $285,000 | n/a | 0.2% | |
| Community Bank | $85,000 | $275,000 | 223.5% | 0.1% |
| PHILADELPHIA | $140,000 | $275,000 | 96.4% | 0.1% |
| T2 FINANCIAL LLC | $65,000 | $275,000 | 323.1% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $265,000 | n/a | 0.1% | |
| MILEND, INC. | $265,000 | n/a | 0.1% | |
| 1ST SIGNATURE LENDING, LLC | $255,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $145,000 | $245,000 | 69.0% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $545,000 | $245,000 | -55.0% | 0.1% |
| East Coast Capital Corp. | $245,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $230,000 | n/a | 0.1% | |
| Discover Bank | $55,000 | $230,000 | 318.2% | 0.1% |
| First Citizens Community Bank | $55,000 | $225,000 | 309.1% | 0.1% |
| AmeriHome Mortgage Company, LLC | $215,000 | n/a | 0.1% | |
| First National Bank of America | $215,000 | n/a | 0.1% | |
| TIDEWATER MORTGAGE SERVICES, INC. | $295,000 | $215,000 | -27.1% | 0.1% |
| Equity Prime Mortgage LLC | $65,000 | $210,000 | 223.1% | 0.1% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $155,000 | $205,000 | 32.3% | 0.1% |
| EMBRACE HOME LOANS, INC. | $95,000 | $205,000 | 115.8% | 0.1% |
| RADIUS FINANCIAL GROUP INC. | $205,000 | n/a | 0.1% | |
| NFM, INC. | $200,000 | n/a | 0.1% | |
| Farmers and Merchants Trust Company of Chambersburg | $195,000 | n/a | 0.1% | |
| GSF Mortgage Corporation | $195,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $195,000 | n/a | 0.1% | |
| Wilmington Savings Fund Society, FSB | $195,000 | n/a | 0.1% | |
| NET | $190,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $105,000 | $190,000 | 81.0% | 0.1% |
| Diamond Credit Union | $65,000 | $185,000 | 184.6% | 0.1% |
| MYCUMORTGAGE, LLC | $185,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $180,000 | n/a | 0.1% | |
| Mid Penn Bank | $1,710,000 | $170,000 | -90.1% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $145,000 | n/a | 0.1% | |
| EMM LOANS LLC | $230,000 | $115,000 | -50.0% | 0.1% |
| UNITED MORTGAGE CORP | $115,000 | n/a | 0.1% | |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $105,000 | n/a | 0.1% | |
| BELCO COMMUNITY CREDIT UNION | $5,000 | $105,000 | 2,000.0% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $105,000 | n/a | 0.1% | |
| PS Bank | $105,000 | n/a | 0.1% | |
| Titan FCU | $105,000 | n/a | 0.1% | |
| First Commonwealth Federal Credit Union | $305,000 | $100,000 | -67.2% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $115,000 | $95,000 | -17.4% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $360,000 | $85,000 | -76.4% | 0.0% |
| LOANPAL, LLC | $85,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $75,000 | n/a | 0.0% | |
| NBT Bank | $75,000 | n/a | 0.0% | |
| PALCO FEDERAL CREDIT UNION | $70,000 | n/a | 0.0% | |
| Citibank | $65,000 | n/a | 0.0% | |
| HARBORONE MORTGAGE, LLC | $65,000 | n/a | 0.0% | |
| Ballston Spa National Bank | $55,000 | n/a | 0.0% | |
| TRUMARK FINANCIAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| Coastal Community Bank | $135,000 | $45,000 | -66.7% | 0.0% |
| JUSTICE Federal Credit Union | $25,000 | $45,000 | 80.0% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $45,000 | n/a | 0.0% | |
| Univest Bank and Trust Co. | $915,000 | $45,000 | -95.1% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $45,000 | n/a | 0.0% | |
| Fairway Consumer Discount Company | $35,000 | n/a | 0.0% | |
| POLICE & FIRE | $115,000 | $35,000 | -69.6% | 0.0% |
| U.S. Bank | $55,000 | $35,000 | -36.4% | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $270,000 | $30,000 | -88.9% | 0.0% |
| CITADEL FEDERAL CREDIT UNION | $345,000 | $25,000 | -92.8% | 0.0% |
| GREENWOOD | $25,000 | n/a | 0.0% | |
| AmeriServ Financial Bank | $175,000 | $15,000 | -91.4% | 0.0% |
| New Cumberland Federal Credit Union | $15,000 | n/a | 0.0% |
Sunbury's top lender by overall market share is SERVICE 1ST, with 9.8% market share. In second place, with 7.2%, is QUICKEN LOANS, LLC, having originated $13,355,000 in loans. In third place, with 6.9%, is First Columbia Bank & Trust Co., having originated $12,795,000 in loans. In fourth place, with 4.6%, is PENNSYLVANIA STATE EMPLOYEES Credit Union, having originated $8,565,000 in loans. In fifth place, with 4.5%, is Susquehanna Community Bank, having originated $8,310,000 in loans.
Sunbury, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 648 | $114,250,000 | $176,312 |
| Other | 269 | $19,995,000 | $74,331 |
| Home Improvement | 204 | $13,450,000 | $65,931 |
| Refi | 161 | $22,535,000 | $139,969 |
| Cash Out Refi | 121 | $15,845,000 | $130,950 |
Sunbury's most frequently cited loan purpose was Home Purchase, with 648 originations. The 2nd most popular reason was Other, with 269 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 512 | $82,060,000 | $160,273 |
| Over 8% | 285 | $23,165,000 | $81,281 |
| 7-8% | 252 | $32,270,000 | $128,056 |
| 5-6% | 136 | $20,030,000 | $147,279 |
| <2.5% | 15 | $495,000 | $33,000 |
| 4-5% | 10 | $920,000 | $92,000 |
| 2.5-3% | 1 | $75,000 | $75,000 |
During 2024, Sunbury's most frequently originated rate bucket was 6-7%, with 512 originations.
Loan Sizing (Sunbury, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 703 | $36,155,000 | $51,430 |
| $100k-200k | 412 | $59,400,000 | $144,175 |
| $200k-400k | 234 | $61,140,000 | $261,282 |
| $400k-600k | 43 | $20,085,000 | $467,093 |
| $600k-1000k | 9 | $5,895,000 | $655,000 |
| $Over $1MM | 2 | $3,400,000 | $1,700,000 |
Sunbury's loan sizing saw the bucket of loans from $100,000 or less with 703 originations, totaling $36,155,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 448 | $84,700,000 | $189,063 |
| 60-80% | 220 | $35,310,000 | $160,500 |
| 20-40% | 211 | $14,135,000 | $66,991 |
| Under 20% | 194 | $7,130,000 | $36,753 |
| 40-60% | 120 | $13,080,000 | $109,000 |
| Over 100% | 6 | $2,310,000 | $385,000 |
Sunbury's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 448 originations, totaling $84,700,000 in origination value.