Warren 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 Warren averaged 7.4% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

    The average rate for the prior week (2023-11-16) was 7.35% and one month ago for the week of 2023-10-19, the average rate was 7.44%.

    Warren's average rate one year ago was 6.52%.

    For refis of the same type during the week of 2023-11-22, the average rate was 7.19%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-22 7.29%
    Warren 30 Year Fixed Rate 2023-11-22 7.4%
    Warren 30 Year Fixed Rate Refi 2023-11-22 7.19%
    Warren 15 Year Fixed Rate 2023-11-22 6.77%
    Warren 15 Year Fixed Rate Refi 2023-11-22 7.07%
    Warren 30 Year FHA 2023-11-22 -0.2%
    Warren 30 Year FHA Refi 2023-11-22 0%
    Warren 30 Year USDA 2023-11-22 -0.1%
    Warren 30 Year USDA Refi 2023-11-22 -0.1%
    Warren 30 Year VA 2023-11-22 0.2%
    Warren 30 Year VA Refi 2023-11-22 0.2%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Warren, PA.

    Warren 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 Warren, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    QUICKEN LOANS, LLC 43 5.43% $6,620
    Northwest Bank 40 5.28% $3,771
    CNB Bank 15 5.13% $3,451
    KeyBank 10 5.34% $4,017
    PNC Bank 8 5.05% $4,493
    TIDEWATER MORTGAGE SERVICES, INC. 7 5.45% $4,473
    UNITED WHOLESALE MORTGAGE, LLC 6 4.97% $5,541
    UNION HOME MORTGAGE CORP. 3 6.04% $5,162
    PENNSYLVANIA STATE EMPLOYEES Credit Union 3 4.38% $2,721
    Wells Fargo Bank 3 3.79% $4,672
    NAVY FEDERAL CREDIT UNION 3 5.79% $3,142
    MidAtlantic Farm Credit, ACA 2 6.80% $6,028
    Community Bank 2 6.81% $0
    Centra Credit Union 2 5.13% $4,069
    Mortgage Research Center, LLC 2 4.81% $3,270
    Gateway First Bank 1 4.50% $2,943
    GUARANTY HOME MORTGAGE CORPORATION 1 6.38% $9,753
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 4.88% $6,939
    JLB CORPORATION 1 5.63% $4,880
    LOANDEPOT.COM, LLC 1 3.99% $4,263
    MOVEMENT MORTGAGE, LLC 1 6.13% $5,914
    Mr. Cooper ( Nationstar Mortgage ) 1 5.50% $5,919
    AmeriHome Mortgage Company, LLC 1 4.25% $5,902
    NEXTIER BANK, NATIONAL ASSOCIATION 1 7.13% $5,548
    PENNYMAC LOAN SERVICES, LLC 1 5.88% $6,061
    The Farmers National Bank of Emlenton 1 3.38% $4,065
    The Huntington National Bank 1 7.63% $3,913
    Third Federal Savings and Loan Association of Cleveland 1 6.74% $0
    Victorian Finance, LLC 1 5.63% $3,876
    Wyndham Capital Mortgage, Inc. 1 6.50% $4,673
    ZILLOW HOME LOANS, LLC 1 3.50% $8,895
    M&T Bank 1 5.50% $4,802
    AMERISAVE MORTGAGE CORPORATION 1 6.50% $5,414
    ARC HOME LLC 1 4.50% $3,454
    Bank of America 1 5.50% $11,928
    Bank of England 1 6.88% $3,572
    BROKER SOLUTIONS, INC. 1 5.88% $8,256
    CARDINAL FINANCIAL 1 3.63% $4,098
    Carrington Mortgage Services, LLC 1 3.50% $4,768
    CROSSCOUNTRY MORTGAGE, LLC 1 7.13% $4,917
    ENVOY MORTGAGE, LTD 1 7.00% $4,796
    Farm Credit East, ACA 1 4.25% $3,334
    Fifth Third Bank 1 4.75% $4,325
    FINANCE OF AMERICA MORTGAGE LLC 1 6.25% $7,742
    First National Bank of Pennsylvania 1 5.50% $4,199
    Flagstar Bank, FSB 1 3.34% $2,824

    Warren Average Closing Costs & Other Stats

    Warren, PA's 46 lenders originated 711 loans during 2022. The total origination value was $83,275,000, with an average loan value of $117,124.

    Warren's average closing costs are $4,334.

    The top Warren lender as defined by loan originations is QUICKEN LOANS, LLC, with 43 loans originated. Their average total fees are $6,620, which is $2,848 higher than the next largest lender, Northwest Bank.

    The lowest fee Warren lenders (with over 10 loans originated) are CNB Bank ($3,451), Northwest Bank ($3,771), KeyBank ($4,017), QUICKEN LOANS, LLC ($6,620) and .

    The lowest rate Warren lenders (with over 10 loans originated) are CNB Bank (5.13%), Northwest Bank (5.28%), KeyBank (5.34%), QUICKEN LOANS, LLC (5.43%) and .

    Warren, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    Northwest Bank $24,860,000 $21,250,000 -14.5% 25.5%
    QUICKEN LOANS, LLC $18,430,000 $13,980,000 -24.1% 16.8%
    CNB Bank $10,145,000 $12,490,000 23.1% 15.0%
    PNC Bank $4,370,000 $5,565,000 27.3% 6.7%
    KeyBank $5,430,000 $3,655,000 -32.7% 4.4%
    Mortgage Research Center, LLC $2,265,000 $2,440,000 7.7% 2.9%
    PENNSYLVANIA STATE EMPLOYEES Credit Union $1,795,000 $2,240,000 24.8% 2.7%
    TIDEWATER MORTGAGE SERVICES, INC. $4,025,000 $2,100,000 -47.8% 2.5%
    UNITED WHOLESALE MORTGAGE, LLC $970,000 $1,245,000 28.4% 1.5%
    PENNYMAC LOAN SERVICES, LLC $1,340,000 $900,000 -32.8% 1.1%
    Bank of America $105,000 $765,000 628.6% 0.9%
    NAVY FEDERAL CREDIT UNION $535,000 $740,000 38.3% 0.9%
    Wells Fargo Bank $1,165,000 $720,000 -38.2% 0.9%
    CORRY FEDERAL CREDIT UNION $680,000 $675,000 -0.7% 0.8%
    HomePromise Corporation $665,000 n/a 0.8%
    First National Bank of Pennsylvania $1,000,000 $645,000 -35.5% 0.8%
    First Commonwealth Bank $435,000 $620,000 42.5% 0.7%
    BROKER SOLUTIONS, INC. $610,000 n/a 0.7%
    AFFORDABLE MORTGAGE ADVISORS, LLC. $495,000 $555,000 12.1% 0.7%
    UNION HOME MORTGAGE CORP. $640,000 $555,000 -13.3% 0.7%
    MidAtlantic Farm Credit, ACA $465,000 n/a 0.6%
    Community Bank $355,000 $435,000 22.5% 0.5%
    LOANDEPOT.COM, LLC $1,475,000 $430,000 -70.8% 0.5%
    FINANCE OF AMERICA MORTGAGE LLC $590,000 $425,000 -28.0% 0.5%
    MOVEMENT MORTGAGE, LLC $1,345,000 $420,000 -68.8% 0.5%
    PLAZA HOME MORTGAGE, INC. $380,000 $420,000 10.5% 0.5%
    UTILITIES EMPLOYEES CREDIT UNION $155,000 $395,000 154.8% 0.5%
    Ally Bank $175,000 $355,000 102.9% 0.4%
    Marquette Savings Bank $755,000 $355,000 -53.0% 0.4%
    The Farmers National Bank of Emlenton $340,000 n/a 0.4%
    AMERISAVE MORTGAGE CORPORATION $780,000 $260,000 -66.7% 0.3%
    Barrington Bank & Trust Company, N.A. $115,000 $260,000 126.1% 0.3%
    ENVOY MORTGAGE, LTD $255,000 n/a 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $830,000 $255,000 -69.3% 0.3%
    Citizens Bank $845,000 $250,000 -70.4% 0.3%
    Flagstar Bank, FSB $230,000 $245,000 6.5% 0.3%
    GUARANTY HOME MORTGAGE CORPORATION $225,000 n/a 0.3%
    ZILLOW HOME LOANS, LLC $115,000 $225,000 95.7% 0.3%
    Centra Credit Union $295,000 $190,000 -35.6% 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $305,000 $190,000 -37.7% 0.2%
    NEW DAY FINANCIAL, LLC $635,000 $185,000 -70.9% 0.2%
    Carrington Mortgage Services, LLC $180,000 n/a 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $180,000 n/a 0.2%
    21ST MORTGAGE CORPORATION $195,000 $175,000 -10.3% 0.2%
    Third Federal Savings and Loan Association of Cleveland $205,000 $175,000 -14.6% 0.2%
    Greenville Savings Bank $55,000 $170,000 209.1% 0.2%
    ROYAL UNITED MORTGAGE LLC $290,000 $160,000 -44.8% 0.2%
    ALLIED MORTGAGE GROUP, INC. $435,000 $155,000 -64.4% 0.2%
    NEXTIER BANK, NATIONAL ASSOCIATION $155,000 n/a 0.2%
    Fifth Third Bank $145,000 n/a 0.2%
    MID AMERICA MORTGAGE, INC. $145,000 n/a 0.2%
    SOFI LENDING CORP. $135,000 n/a 0.2%
    The Huntington National Bank $660,000 $130,000 -80.3% 0.2%
    Farm Credit East, ACA $105,000 $125,000 19.0% 0.2%
    Ixonia Bank $125,000 n/a 0.2%
    VILLAGE CAPITAL MORTGAGE $130,000 $120,000 -7.7% 0.1%
    FREEDOM MORTGAGE CORPORATION $865,000 $115,000 -86.7% 0.1%
    Premium Mortgage Corporation $115,000 n/a 0.1%
    USAA Federal Savings Bank $125,000 $115,000 -8.0% 0.1%
    Kwik Mortgage Corporation $105,000 n/a 0.1%
    Princeton Mortgage Corporation $105,000 n/a 0.1%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $115,000 $95,000 -17.4% 0.1%
    Gateway First Bank $95,000 n/a 0.1%
    JLB CORPORATION $95,000 n/a 0.1%
    WEST PENN FINANCIAL SERVICE CENTER, INC. $95,000 n/a 0.1%
    S&T Bank $90,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $600,000 $85,000 -85.8% 0.1%
    ARC HOME LLC $85,000 n/a 0.1%
    FREEDOM CREDIT UNION $85,000 n/a 0.1%
    Victorian Finance, LLC $110,000 $85,000 -22.7% 0.1%
    AmeriHome Mortgage Company, LLC $105,000 $75,000 -28.6% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $340,000 $75,000 -77.9% 0.1%
    AMERICAN ADVISORS GROUP $125,000 $65,000 -48.0% 0.1%
    Bank of England $65,000 n/a 0.1%
    M&T Bank $230,000 $65,000 -71.7% 0.1%
    NEWREZ LLC $670,000 $65,000 -90.3% 0.1%
    Wyndham Capital Mortgage, Inc. $65,000 n/a 0.1%
    Mid Penn Bank $55,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $125,000 $55,000 -56.0% 0.1%
    PHILADELPHIA $55,000 n/a 0.1%

    Warren's top lender by overall market share is Northwest Bank, with 25.5% market share. In second place, with 16.8%, is QUICKEN LOANS, LLC, having originated $13,980,000 in loans. In third place, with 15.0%, is CNB Bank, having originated $12,490,000 in loans. In fourth place, with 6.7%, is PNC Bank, having originated $5,565,000 in loans. In fifth place, with 4.4%, is KeyBank, having originated $3,655,000 in loans.

    Warren Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Warren (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 $64,925 (-5.9%) $157,749 (54.5%) 0.00 214
    2018-02-01 $63,925 (-7.4%) $126,011 (26.5%) 0.00 213
    2018-03-01 $67,450 (-2.6%) $126,473 (19.1%) 0.00 217
    2018-04-01 $67,925 (4.7%) $129,660 (23.6%) 0.00 211
    2018-05-01 $67,725 (-1.9%) $128,248 (10.8%) 0.00 211
    2018-06-01 $74,900 (7.2%) $140,100 (21.6%) 0.00 207
    2018-07-01 $105,175 (32.7%) $172,886 (46.8%) 0.00 150
    2018-08-01 $104,675 (38.3%) $166,748 (-0.9%) 0.00 169
    2018-09-01 $99,900 (33.2%) $158,889 (-3.5%) 0.00 175
    2018-10-01 $93,575 (29.1%) $159,535 (-0.9%) 0.00 181
    2018-11-01 $95,950 (37.2%) $158,723 (1.8%) 0.00 181
    2018-12-01 $97,500 (41.3%) $162,302 (6.4%) 0.00 169
    2019-01-01 $90,850 (39.9%) $148,732 (-5.7%) 0.00 155
    2019-02-01 $91,175 (42.6%) $153,092 (21.5%) 0.00 148
    2019-03-01 $79,714 (18.2%) $140,141 (10.8%) 0.00 170
    2019-04-01 $64,150 (-5.6%) $122,751 (-5.3%) 0.00 203
    2019-05-01 $62,650 (-7.5%) $117,475 (-8.4%) 0.00 201
    2019-06-01 $65,000 (-13.2%) $120,645 (-13.9%) 0.00 204
    2019-07-01 $65,000 (-38.2%) $120,656 (-30.2%) 0.00 204
    2019-08-01 $63,609 (-39.2%) $115,831 (-30.5%) 0.00 206
    2019-09-01 $61,523 (-38.4%) $106,249 (-33.1%) 0.00 210
    2019-10-01 $62,682 (-33.0%) $100,910 (-36.8%) 0.00 215
    2019-11-01 $69,900 (-27.2%) $104,826 (-34.0%) 0.00 205
    2019-12-01 $64,675 (-33.7%) $104,701 (-35.5%) 0.00 191
    2020-01-01 $66,975 (-26.3%) $106,272 (-28.6%) 0.00 178
    2020-02-01 $63,900 (-29.9%) $104,276 (-31.9%) 0.00 161
    2020-03-01 $63,100 (-20.8%) $105,483 (-24.7%) 0.00 159
    2020-04-01 $65,925 (2.8%) $109,276 (-11.0%) 0.00 155
    2020-05-01 $65,000 (3.8%) $113,077 (-3.7%) 0.00 151
    2020-06-01 $57,400 (-11.7%) $110,290 (-8.6%) 0.00 138
    2020-07-01 $54,700 (-15.9%) $113,631 (-5.8%) 0.00 140
    2020-08-01 $54,500 (-14.3%) $120,321 (3.9%) 0.00 130
    2020-09-01 $51,475 (-16.3%) $117,541 (10.6%) 0.00 120
    2020-10-01 $56,000 (-10.7%) $123,561 (22.5%) 0.00 107
    2020-11-01 $51,250 (-26.7%) $116,993 (11.6%) 0.00 104
    2020-12-01 $51,250 (-20.8%) $118,508 (13.2%) 0.00 102
    2021-01-01 $52,000 (-22.4%) $107,055 (0.7%) 0.00 93
    2021-02-01 $54,175 (-15.2%) $106,427 (2.1%) 0.00 96
    2021-03-01 $44,425 (-29.6%) $112,958 (7.1%) 0.00 89
    2021-04-01 $41,000 (-37.8%) $108,275 (-0.9%) 0.00 88
    2021-05-01 $46,000 (-29.2%) $112,062 (-0.9%) 0.00 87
    2021-06-01 $47,700 (-16.9%) $111,836 (1.4%) 0.00 87
    2021-07-01 $108,450 (98.3%) $164,234 (44.5%) 0.00 56
    2021-08-01 $114,900 (110.8%) $175,148 (45.6%) 0.00 51
    2021-09-01 $126,825 (146.4%) $165,980 (41.2%) 0.00 52
    2021-10-01 $126,500 (125.9%) $164,086 (32.8%) 0.00 48
    2021-11-01 $123,975 (141.9%) $156,730 (34.0%) 0.00 49
    2021-12-01 $126,675 (147.2%) $163,815 (38.2%) 0.00 46
    2022-01-01 $129,250 (148.6%) $176,972 (65.3%) 0.00 29
    2022-02-01 $123,400 (127.8%) $175,614 (65.0%) 0.00 20
    2022-03-01 $129,925 (192.5%) $183,316 (62.3%) 0.00 27
    2022-04-01 $143,500 (250.0%) $212,770 (96.5%) 0.00 22
    2022-05-01 $135,000 (193.5%) $235,572 (110.2%) 0.00 28
    2022-06-01 $167,450 (251.1%) $225,930 (102.0%) 0.00 40
    2022-07-01 $180,000 (66.0%) $228,981 (39.4%) 0.00 49
    2022-08-01 $174,950 (52.3%) $213,128 (21.7%) 0.00 59
    2022-09-01 $157,475 (24.2%) $198,012 (19.3%) 0.00 58
    2022-10-01 $150,000 (18.6%) $206,382 (25.8%) 0.00 61
    2022-11-01 $132,250 (6.7%) $192,474 (22.8%) 0.00 58
    2022-12-01 $137,500 (8.6%) $192,885 (17.8%) 0.00 53
    2023-01-01 $140,075 (8.4%) $179,289 (1.3%) 0.00 49
    2023-02-01 $142,300 (15.3%) $163,276 (-7.0%) 0.00 49
    2023-03-01 $129,675 (-0.2%) $155,921 (-14.9%) 0.00 49
    2023-04-01 $139,900 (-2.5%) $174,962 (-17.8%) 0.00 42
    2023-05-01 $114,400 (-15.3%) $181,245 (-23.1%) 0.00 37
    2023-06-01 $130,550 (-22.0%) $202,983 (-10.2%) 0.00 43
    2023-07-01 $162,450 (-9.8%) $251,423 (9.8%) 0.00 53
    2023-08-01 $144,900 (-17.2%) $240,731 (13.0%) 0.00 52
    2023-09-01 $146,824 (-6.8%) $236,490 (19.4%) 0.00 56
    2023-10-01 $146,824 (-2.1%) $229,014 (11.0%) 0.00 53
    Warren's median listing price for 2023-10-01 was $146,824, a difference of $-3,176 (-2.1%) versus the prior year and $0 versus the prior month.

    Warren's median listing price comes in at 0% of the national average.

    Warren's average listing price for 2023-10-01 was $229,014, a difference of $22,632 (11.0%) versus the prior year and $-7,476 versus the prior month.

    For the 2023-10-01 period, Warren had 53 MLS listings, a difference of -3 listings (-5%) versus the prior month and -8 listings (-13%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Warren (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,633 sqft
    2018-02-01 0 days 1,628 sqft
    2018-03-01 0 days 1,602 sqft
    2018-04-01 0 days 1,590 sqft
    2018-05-01 0 days 1,580 sqft
    2018-06-01 0 days 1,600 sqft
    2018-07-01 0 days 1,621 sqft
    2018-08-01 0 days 1,584 sqft
    2018-09-01 0 days 1,557 sqft
    2018-10-01 0 days 1,545 sqft
    2018-11-01 0 days 1,569 sqft
    2018-12-01 0 days 1,587 sqft
    2019-01-01 0 days 1,570 sqft
    2019-02-01 0 days 1,567 sqft
    2019-03-01 0 days 1,568 sqft
    2019-04-01 0 days 1,591 sqft
    2019-05-01 0 days 1,592 sqft
    2019-06-01 0 days 1,569 sqft
    2019-07-01 0 days 1,567 sqft
    2019-08-01 0 days 1,552 sqft
    2019-09-01 0 days 1,538 sqft
    2019-10-01 0 days 1,529 sqft
    2019-11-01 0 days 1,520 sqft
    2019-12-01 0 days 1,524 sqft
    2020-01-01 0 days 1,620 sqft
    2020-02-01 0 days 1,632 sqft
    2020-03-01 0 days 1,636 sqft
    2020-04-01 0 days 1,654 sqft
    2020-05-01 0 days 1,727 sqft
    2020-06-01 0 days 1,697 sqft
    2020-07-01 0 days 1,645 sqft
    2020-08-01 0 days 1,648 sqft
    2020-09-01 0 days 1,552 sqft
    2020-10-01 0 days 1,584 sqft
    2020-11-01 0 days 1,597 sqft
    2020-12-01 0 days 1,532 sqft
    2021-01-01 0 days 1,644 sqft
    2021-02-01 0 days 1,716 sqft
    2021-03-01 0 days 1,705 sqft
    2021-04-01 0 days 1,640 sqft
    2021-05-01 0 days 1,677 sqft
    2021-06-01 0 days 1,615 sqft
    2021-07-01 0 days 1,564 sqft
    2021-08-01 0 days 1,635 sqft
    2021-09-01 0 days 1,486 sqft
    2021-10-01 0 days 1,515 sqft
    2021-11-01 0 days 1,485 sqft
    2021-12-01 0 days 1,479 sqft
    2022-01-01 0 days 1,541 sqft
    2022-02-01 0 days 1,658 sqft
    2022-03-01 0 days 1,848 sqft
    2022-04-01 0 days 2,016 sqft
    2022-05-01 0 days 1,829 sqft
    2022-06-01 0 days 1,721 sqft
    2022-07-01 0 days 1,900 sqft
    2022-08-01 0 days 1,752 sqft
    2022-09-01 0 days 1,814 sqft
    2022-10-01 0 days 1,645 sqft
    2022-11-01 0 days 1,677 sqft
    2022-12-01 0 days 1,666 sqft
    2023-01-01 0 days 1,641 sqft
    2023-02-01 0 days 1,658 sqft
    2023-03-01 0 days 1,639 sqft
    2023-04-01 0 days 1,657 sqft
    2023-05-01 0 days 1,647 sqft
    2023-06-01 0 days 1,642 sqft
    2023-07-01 0 days 1,744 sqft
    2023-08-01 0 days 1,722 sqft
    2023-09-01 0 days 1,650 sqft
    2023-10-01 0 days 1,682 sqft
    Warren's median listing age (time on market) for 2023-10-01 was 0 days.

    Warren's median square footage for active listings during the 2023-10-01 period was 1,682 sqft. One year prior, the average listing was 1,645 sqft.

    Warren, PA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 314 $47,430,000 $151,051
    Home Improvement 112 $6,660,000 $59,464
    Refi 101 $10,875,000 $107,673
    Cash Out Refi 100 $12,010,000 $120,100
    Other 84 $6,300,000 $75,000

    Warren's most frequently cited loan purpose was Home Purchase, with 314 originations. The 2nd most popular reason was Home Improvement, with 112 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 168 $20,990,000 $124,940
    3-4% 163 $17,635,000 $108,190
    4-5% 138 $17,790,000 $128,913
    6-7% 84 $10,220,000 $121,667
    <2.5% 66 $6,660,000 $100,909
    2.5-3% 44 $6,170,000 $140,227
    7-8% 29 $2,805,000 $96,724
    Over 8% 17 $835,000 $49,118

    During 2022, Warren's most frequently originated rate bucket was 5-6%, with 168 originations.

    Loan Sizing (Warren, PA MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 369 $21,735,000 $58,902
    $100k-200k 259 $35,495,000 $137,046
    $200k-400k 73 $18,485,000 $253,219
    $400k-600k 8 $3,700,000 $462,500
    $600k-1000k 1 $665,000 $665,000
    $Over $1MM 1 $3,195,000 $3,195,000

    Warren's loan sizing saw the bucket of loans from $100,000 or less with 369 originations, totaling $21,735,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 268 $37,910,000 $141,455
    60-80% 191 $27,895,000 $146,047
    40-60% 99 $9,785,000 $98,838
    20-40% 89 $5,385,000 $60,506
    Under 20% 60 $1,830,000 $30,500
    Over 100% 2 $300,000 $150,000

    Warren's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 268 originations, totaling $37,910,000 in origination value.