Sunbury Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Sunbury averaged 6.76% for the week of 2024-11-07, compared to the national average of 6.79% for the same period.

    The average rate for the prior week (2024-10-31) was 6.59% and one month ago for the week of 2024-10-03, the average rate was 6.09%.

    Sunbury's average rate one year ago was 7.63%.

    For refis of the same type during the week of 2024-11-07, the average rate was 8.25%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-07 6.79%
    Sunbury 30 Year Fixed Rate 2024-11-07 6.76%
    Sunbury 30 Year Fixed Rate Refi 2024-11-07 8.25%
    Sunbury 15 Year Fixed Rate 2024-11-07 6.2%
    Sunbury 15 Year Fixed Rate Refi 2024-11-07 6.1%
    Sunbury 30 Year FHA 2024-11-07 6.25%
    Sunbury 30 Year FHA Refi 2024-11-07 6.33%
    Sunbury 30 Year USDA 2024-11-07 6.68%
    Sunbury 30 Year USDA Refi 2024-11-07 6.28%
    Sunbury 30 Year VA 2024-11-07 6.14%
    Sunbury 30 Year VA Refi 2024-11-07 6.34%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sunbury, PA.

    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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 36 6.93% $5,369
    First Columbia Bank & Trust Co. 21 6.69% $4,195
    Fulton Bank 16 6.40% $4,887
    PENNSYLVANIA STATE EMPLOYEES Credit Union 16 6.20% $2,338
    PRIMELENDING, A PLAINSCAPITAL COMPANY 13 6.72% $5,263
    First National Bank of Pennsylvania 10 6.83% $3,692
    Mortgage America, Inc. 9 6.40% $4,325
    SERVICE 1ST 8 6.98% $3,387
    M&T Bank 7 6.54% $4,402
    The Muncy Bank and Trust Company 6 7.83% $2,356
    Wells Fargo Bank 6 6.67% $4,202
    UNITED WHOLESALE MORTGAGE, LLC 6 6.92% $5,189
    Truist 6 7.50% $3,889
    Citizens Bank 5 6.67% $7,586
    GUILD MORTGAGE COMPANY 5 6.97% $5,849
    Prosperity Home Mortgage, LLC 5 7.03% $4,911
    FIRST HERITAGE FINANCIAL, LLC 4 7.76% $3,274
    LOANDEPOT.COM, LLC 4 6.72% $6,050
    ROYAL UNITED MORTGAGE LLC 4 6.97% $6,876
    CROSSCOUNTRY MORTGAGE, LLC 4 6.83% $5,237
    BROKER SOLUTIONS, INC. 3 7.20% $5,032
    THRIVE MORTGAGE, LLC 3 7.29% $4,567
    Jersey Shore State Bank 3 6.75% $4,562
    JPMorgan Chase Bank 3 7.54% $4,101
    EMM LOANS LLC 2 6.88% $6,390
    The Huntington National Bank 2 6.31% $3,705
    NAVY FEDERAL CREDIT UNION 2 6.56% $3,973
    Waterstone Mortgage Corporation 2 7.18% $5,549
    Mid Penn Bank 2 6.13% $4,546
    Citizens & Northern Bank 2 6.25% $3,176
    First Commonwealth Federal Credit Union 2 6.25% $3,416
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 8.50% $3,929
    AMERISAVE MORTGAGE CORPORATION 2 5.81% $6,919
    Homesale Mortgage, LLC 2 7.31% $4,493
    PENTAGON FEDERAL CREDIT UNION 2 6.69% $3,588
    Northwest Bank 2 6.56% $5,618
    ABSOLUTE HOME MORTGAGE CORPORATION 1 7.25% $5,240
    York Traditions Bank 1 7.88% $3,834
    ALLIANT CREDIT UNION 1 7.13% $4,126
    AMERICAN FINANCIAL NETWORK, INC. 1 6.88% $5,996
    AmeriServ Financial Bank 1 6.88% $2,952
    Bank of America 1 5.00% $1,199
    Barrington Bank & Trust Company, N.A. 1 6.38% $9,109
    BETTER MORTGAGE CORPORATION 1 6.88% $2,079
    Center City Mortgage and Investments LLC 1 6.63% $3,797
    Century Mortgage Company DBA Century Lending Company 1 6.50% $6,695
    CHERRY CREEK MORTGAGE, LLC 1 6.75% $764
    CITADEL FEDERAL CREDIT UNION 1 6.50% $4,288
    Commerce Bank 1 6.88% $3,232
    Community Bank 1 7.88% $2,462
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.75% $5,349
    EMBRACE HOME LOANS, INC. 1 6.63% $6,253
    ENVOY MORTGAGE, LTD 1 6.38% $4,769
    ESSA Bank & Trust 1 6.25% $3,866
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.88% $7,581
    First Commonwealth Bank 1 6.63% $5,645
    First Federal Savings and Loan Association of Lakewood 1 5.83% $4,352
    Ixonia Bank 1 7.13% $11,079
    Kwik Mortgage Corporation 1 6.13% $4,161
    LENDSURE MORTGAGE CORP. 1 8.50% $9,485
    MEMBERS 1ST FEDERAL CREDIT UNION 1 6.50% $4,209
    Meridian Bank Corporation 1 6.49% $2,627
    MidAtlantic Farm Credit, ACA 1 7.59% $4,935
    Mortgage Research Center, LLC 1 7.38% $3,009
    NATIONS DIRECT MORTGAGE, LLC 1 6.99% $7,538
    PENNYMAC LOAN SERVICES, LLC 1 7.63% $9,258
    PLANET HOME LENDING, LLC 1 6.63% $5,362
    PNC Bank 1 6.50% $6,094
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.50% $4,224
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 7.50% $5,498
    Signal Financial Federal Credit Union 1 6.75% $3,907
    TIDEWATER MORTGAGE SERVICES, INC. 1 7.13% $9,555
    Watermark Capital, Inc. 1 6.13% $5,872

    Sunbury Average Closing Costs & Other Stats

    Sunbury, PA's 73 lenders originated 1,270 loans during 2023. The total origination value was $155,650,000, with an average loan value of $122,559.

    Sunbury's average closing costs are $5,173.

    The top Sunbury lender as defined by loan originations is QUICKEN LOANS, LLC, with 36 loans originated. Their average total fees are $5,369, which is $1,173 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 ($2,338), First National Bank of Pennsylvania ($3,692), First Columbia Bank & Trust Co. ($4,195), Fulton Bank ($4,887) and PRIMELENDING, A PLAINSCAPITAL COMPANY ($5,263).

    The lowest rate Sunbury lenders (with over 10 loans originated) are PENNSYLVANIA STATE EMPLOYEES Credit Union (6.20%), Fulton Bank (6.40%), First Columbia Bank & Trust Co. (6.69%), PRIMELENDING, A PLAINSCAPITAL COMPANY (6.72%) and First National Bank of Pennsylvania (6.83%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    QUICKEN LOANS, LLC $18,150,000 $14,860,000 -18.1% 9.5%
    First Columbia Bank & Trust Co. $8,665,000 $9,340,000 7.8% 6.0%
    Susquehanna Community Bank $13,285,000 $8,790,000 -33.8% 5.6%
    PENNSYLVANIA STATE EMPLOYEES Credit Union $9,905,000 $6,900,000 -30.3% 4.4%
    Members Choice Financial Credit Union $6,845,000 n/a 4.4%
    M&T Bank $9,360,000 $6,315,000 -32.5% 4.1%
    Fulton Bank $12,815,000 $5,875,000 -54.2% 3.8%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $4,495,000 $5,655,000 25.8% 3.6%
    Jersey Shore State Bank $9,100,000 $5,370,000 -41.0% 3.5%
    UNB Bank $5,220,000 n/a 3.4%
    Mifflinburg Bank and Trust Company $3,775,000 $4,620,000 22.4% 3.0%
    SERVICE 1ST $6,335,000 $3,745,000 -40.9% 2.4%
    First National Bank of Pennsylvania $6,590,000 $3,685,000 -44.1% 2.4%
    Mortgage Research Center, LLC $4,685,000 $3,395,000 -27.5% 2.2%
    ALLIED MORTGAGE GROUP, INC. $3,845,000 $3,295,000 -14.3% 2.1%
    Citizens Bank $2,980,000 $3,025,000 1.5% 1.9%
    Truist $4,905,000 $2,930,000 -40.3% 1.9%
    UNITED WHOLESALE MORTGAGE, LLC $2,340,000 $2,820,000 20.5% 1.8%
    The Muncy Bank and Trust Company $1,510,000 $2,730,000 80.8% 1.8%
    Mortgage America, Inc. $2,600,000 $2,575,000 -1.0% 1.7%
    First Commonwealth Bank $4,075,000 $2,450,000 -39.9% 1.6%
    The Gratz Bank $2,605,000 $2,275,000 -12.7% 1.5%
    Mid Penn Bank $2,105,000 $1,710,000 -18.8% 1.1%
    Waterstone Mortgage Corporation $1,405,000 $1,625,000 15.7% 1.0%
    LOANDEPOT.COM, LLC $2,095,000 $1,560,000 -25.5% 1.0%
    Wells Fargo Bank $1,830,000 $1,170,000 -36.1% 0.8%
    FIRST HERITAGE FINANCIAL, LLC $4,725,000 $1,130,000 -76.1% 0.7%
    Prosperity Home Mortgage, LLC $1,075,000 n/a 0.7%
    GUILD MORTGAGE COMPANY $210,000 $1,065,000 407.1% 0.7%
    CARDINAL FINANCIAL $380,000 $1,005,000 164.5% 0.6%
    MidAtlantic Farm Credit, ACA $590,000 $985,000 66.9% 0.6%
    NAVY FEDERAL CREDIT UNION $1,620,000 $955,000 -41.0% 0.6%
    AMERISAVE MORTGAGE CORPORATION $1,155,000 $940,000 -18.6% 0.6%
    Univest Bank and Trust Co. $1,190,000 $915,000 -23.1% 0.6%
    ROYAL UNITED MORTGAGE LLC $445,000 $905,000 103.4% 0.6%
    AMERICAN FINANCIAL RESOURCES, INC. $420,000 $880,000 109.5% 0.6%
    PENNYMAC LOAN SERVICES, LLC $1,470,000 $840,000 -42.9% 0.5%
    First Keystone Community Bank $650,000 $795,000 22.3% 0.5%
    The Ephrata National Bank $900,000 $780,000 -13.3% 0.5%
    CROSSCOUNTRY MORTGAGE, LLC $505,000 $770,000 52.5% 0.5%
    USAA Federal Savings Bank $900,000 $765,000 -15.0% 0.5%
    BROKER SOLUTIONS, INC. $1,040,000 $755,000 -27.4% 0.5%
    Century Mortgage Company DBA Century Lending Company $415,000 $715,000 72.3% 0.5%
    MEMBERS 1ST FEDERAL CREDIT UNION $480,000 $685,000 42.7% 0.4%
    CMG MORTGAGE, INC. $105,000 $670,000 538.1% 0.4%
    Citizens & Northern Bank $970,000 $655,000 -32.5% 0.4%
    CHERRY CREEK MORTGAGE, LLC $1,320,000 $615,000 -53.4% 0.4%
    VILLAGE CAPITAL MORTGAGE $560,000 n/a 0.4%
    Barrington Bank & Trust Company, N.A. $305,000 $545,000 78.7% 0.4%
    NATIONS DIRECT MORTGAGE, LLC $530,000 n/a 0.3%
    PNC Bank $1,175,000 $530,000 -54.9% 0.3%
    THRIVE MORTGAGE, LLC $525,000 n/a 0.3%
    Northwest Bank $765,000 $510,000 -33.3% 0.3%
    CIVIC FINANCIAL SERVICES, LLC $85,000 $505,000 494.1% 0.3%
    PROVIDENT FUNDING ASSOCIATES, L.P. $445,000 n/a 0.3%
    Homesale Mortgage, LLC $70,000 $440,000 528.6% 0.3%
    FREEDOM MORTGAGE CORPORATION $1,300,000 $435,000 -66.5% 0.3%
    NEW DAY FINANCIAL, LLC $1,155,000 $430,000 -62.8% 0.3%
    JPMorgan Chase Bank $480,000 $415,000 -13.5% 0.3%
    FINANCE OF AMERICA REVERSE LLC $360,000 n/a 0.2%
    The Huntington National Bank $45,000 $360,000 700.0% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $755,000 $355,000 -53.0% 0.2%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $585,000 $355,000 -39.3% 0.2%
    PENTAGON FEDERAL CREDIT UNION $55,000 $350,000 536.4% 0.2%
    CITADEL FEDERAL CREDIT UNION $345,000 n/a 0.2%
    The Federal Savings Bank $325,000 n/a 0.2%
    Keystone Funding, Inc. $320,000 n/a 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $475,000 $310,000 -34.7% 0.2%
    First Commonwealth Federal Credit Union $305,000 n/a 0.2%
    TOWNE MORTGAGE COMPANY $300,000 n/a 0.2%
    TIDEWATER MORTGAGE SERVICES, INC. $295,000 n/a 0.2%
    The Juniata Valley Bank $285,000 n/a 0.2%
    Ixonia Bank $275,000 n/a 0.2%
    TRIAD FINANCIAL SERVICES, INC. $75,000 $270,000 260.0% 0.2%
    NEWREZ LLC $760,000 $260,000 -65.8% 0.2%
    First Federal Savings and Loan Association of Lakewood $255,000 n/a 0.2%
    ESSA Bank & Trust $245,000 n/a 0.2%
    Kwik Mortgage Corporation $245,000 n/a 0.2%
    EMM LOANS LLC $230,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $185,000 $225,000 21.6% 0.1%
    ALLIANT CREDIT UNION $215,000 n/a 0.1%
    Figure Lending LLC $215,000 n/a 0.1%
    Acre Mortgage and Financial Inc $205,000 n/a 0.1%
    Northpointe Bank $460,000 $205,000 -55.4% 0.1%
    AmeriServ Financial Bank $175,000 n/a 0.1%
    FIRST ALLIANCE HOME MORTGAGE, LLC $255,000 $175,000 -31.4% 0.1%
    PLAZA HOME MORTGAGE, INC. $175,000 n/a 0.1%
    Signal Financial Federal Credit Union $175,000 n/a 0.1%
    Center City Mortgage and Investments LLC $165,000 n/a 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $320,000 $165,000 -48.4% 0.1%
    Watermark Capital, Inc. $165,000 n/a 0.1%
    ABSOLUTE HOME MORTGAGE CORPORATION $155,000 n/a 0.1%
    CREDIT UNION MORTGAGE ASSOCIATION, INC. $155,000 n/a 0.1%
    FIRST MORTGAGE COMPANY, INC. $155,000 n/a 0.1%
    LENDSURE MORTGAGE CORP. $155,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $150,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $145,000 n/a 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $145,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $145,000 n/a 0.1%
    UNION HOME MORTGAGE CORP. $860,000 $145,000 -83.1% 0.1%
    PHILADELPHIA $115,000 $140,000 21.7% 0.1%
    Coastal Community Bank $135,000 n/a 0.1%
    S&T Bank $135,000 n/a 0.1%
    THE MORTGAGE LINK, INC. $125,000 n/a 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $235,000 $115,000 -51.1% 0.1%
    POLICE & FIRE $115,000 $115,000 0.0% 0.1%
    TOP FLITE FINANCIAL, INC. $115,000 n/a 0.1%
    PLANET HOME LENDING, LLC $105,000 n/a 0.1%
    Bank of America $680,000 $95,000 -86.0% 0.1%
    EMBRACE HOME LOANS, INC. $525,000 $95,000 -81.9% 0.1%
    Community Bank $85,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $960,000 $85,000 -91.1% 0.1%
    USAlliance Federal Credit Union $85,000 n/a 0.1%
    York Traditions Bank $85,000 n/a 0.1%
    BELLCO $75,000 n/a 0.0%
    Commerce Bank $75,000 n/a 0.0%
    ALL REVERSE MORTGAGE, INC. $65,000 n/a 0.0%
    Diamond Credit Union $65,000 n/a 0.0%
    ENVOY MORTGAGE, LTD $65,000 n/a 0.0%
    Equity Prime Mortgage LLC $65,000 n/a 0.0%
    Meridian Bank Corporation $65,000 n/a 0.0%
    T2 FINANCIAL LLC $200,000 $65,000 -67.5% 0.0%
    BETTER MORTGAGE CORPORATION $410,000 $55,000 -86.6% 0.0%
    Carrington Mortgage Services, LLC $635,000 $55,000 -91.3% 0.0%
    Discover Bank $110,000 $55,000 -50.0% 0.0%
    First Citizens Community Bank $55,000 n/a 0.0%
    HORIZON Federal Credit Union $310,000 $55,000 -82.3% 0.0%
    U.S. Bank $195,000 $55,000 -71.8% 0.0%
    FRANKLIN MINT $45,000 n/a 0.0%
    Mid-Continent Funding, Inc. $145,000 $45,000 -69.0% 0.0%
    Centier Bank $65,000 $35,000 -46.2% 0.0%
    JUSTICE Federal Credit Union $25,000 n/a 0.0%
    BELCO COMMUNITY CREDIT UNION $280,000 $5,000 -98.2% 0.0%
    LIMA ONE CAPITAL, LLC $5,000 n/a 0.0%

    Sunbury's top lender by overall market share is QUICKEN LOANS, LLC, with 9.5% market share. In second place, with 6.0%, is First Columbia Bank & Trust Co., having originated $9,340,000 in loans. In third place, with 5.6%, is Susquehanna Community Bank, having originated $8,790,000 in loans. In fourth place, with 4.4%, is PENNSYLVANIA STATE EMPLOYEES Credit Union, having originated $6,900,000 in loans. In fifth place, with 4.4%, is Members Choice Financial Credit Union, having originated $6,845,000 in loans.

    Sunbury, PA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 645 $101,815,000 $157,853
    Refi 193 $20,525,000 $106,347
    Home Improvement 169 $9,245,000 $54,704
    Other 134 $7,520,000 $56,119
    Cash Out Refi 129 $16,545,000 $128,256

    Sunbury's most frequently cited loan purpose was Home Purchase, with 645 originations. The 2nd most popular reason was Refi, with 193 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 444 $57,270,000 $128,986
    7-8% 219 $29,685,000 $135,548
    Over 8% 168 $12,800,000 $76,190
    5-6% 164 $25,240,000 $153,902
    <2.5% 31 $585,000 $18,871
    4-5% 17 $1,645,000 $96,765
    3-4% 4 $180,000 $45,000
    2.5-3% 3 $205,000 $68,333

    During 2023, Sunbury's most frequently originated rate bucket was 6-7%, with 444 originations.

    Loan Sizing (Sunbury, PA MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 646 $32,970,000 $51,037
    $100k-200k 406 $58,710,000 $144,606
    $200k-400k 194 $51,260,000 $264,227
    $400k-600k 19 $8,735,000 $459,737
    $600k-1000k 4 $2,730,000 $682,500
    $Over $1MM 1 $1,245,000 $1,245,000

    Sunbury's loan sizing saw the bucket of loans from $100,000 or less with 646 originations, totaling $32,970,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 448 $75,250,000 $167,969
    60-80% 194 $25,220,000 $130,000
    Under 20% 150 $4,340,000 $28,933
    20-40% 148 $10,720,000 $72,432
    40-60% 100 $9,940,000 $99,400
    Over 100% 10 $2,050,000 $205,000

    Sunbury's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 448 originations, totaling $75,250,000 in origination value.