Warren Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Warren averaged
7.21%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.14% and
one month ago for the week of 2025-05-15, the
average rate was 6.91%.
Warren's average rate one year ago was 6.95%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Warren 30 Year Fixed Rate | 2025-06-18 | 7.21% |
| Warren 30 Year Fixed Rate Refi | 2025-06-18 | 7.11% |
| Warren 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Warren 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Warren 30 Year FHA | 2025-06-18 | -0.1% |
| Warren 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Warren 30 Year USDA | 2025-06-18 | -0.2% |
| Warren 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Warren 30 Year VA | 2025-06-18 | 0% |
| Warren 30 Year VA Refi | 2025-06-18 | 0.2% |
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.).
Warren Average Closing Costs & Other Stats
Warren, PA's 46 lenders originated 558
loans during 2024. The total origination value was $67,090,000, with an average loan value of
$120,233.
Warren's average closing costs are $4,693.
The top Warren lender as defined by loan originations is QUICKEN LOANS, LLC, with
59 loans originated. Their average total fees are
$5,571, which is $1,608
higher than the next largest lender,
Northwest Bank.
The lowest fee Warren lenders (with over 10 loans originated) are
Northwest Bank ($3,963), QUICKEN LOANS, LLC ($5,571), .
The lowest rate Warren lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.89%), Northwest Bank (6.92%), .
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $11,665,000 | $14,245,000 | 22.1% | 21.2% |
| Northwest Bank | $15,425,000 | $12,500,000 | -19.0% | 18.6% |
| CNB Bank | $5,445,000 | $8,000,000 | 46.9% | 11.9% |
| TIDEWATER MORTGAGE SERVICES, INC. | $2,935,000 | $2,335,000 | -20.4% | 3.5% |
| PNC Bank | $2,785,000 | $2,280,000 | -18.1% | 3.4% |
| Mortgage Research Center, LLC | $1,505,000 | $1,615,000 | 7.3% | 2.4% |
| KeyBank | $1,110,000 | $1,575,000 | 41.9% | 2.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,045,000 | $1,390,000 | 33.0% | 2.1% |
| BROKER SOLUTIONS, INC. | $65,000 | $1,305,000 | 1,907.7% | 1.9% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $2,140,000 | $1,190,000 | -44.4% | 1.8% |
| M&T Bank | $985,000 | n/a | 1.5% | |
| NAVY FEDERAL CREDIT UNION | $125,000 | $920,000 | 636.0% | 1.4% |
| Farm Credit East, ACA | $750,000 | n/a | 1.1% | |
| Brentwood Bank | $725,000 | n/a | 1.1% | |
| FREEDOM MORTGAGE CORPORATION | $670,000 | n/a | 1.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $630,000 | n/a | 0.9% | |
| Citizens Bank | $475,000 | $605,000 | 27.4% | 0.9% |
| The Farmers National Bank of Canfield | $590,000 | n/a | 0.9% | |
| PENNYMAC LOAN SERVICES, LLC | $340,000 | $570,000 | 67.6% | 0.8% |
| U.S. Bank | $530,000 | n/a | 0.8% | |
| LOANDEPOT.COM, LLC | $525,000 | $510,000 | -2.9% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $1,045,000 | $505,000 | -51.7% | 0.8% |
| UNION HOME MORTGAGE CORP. | $345,000 | $435,000 | 26.1% | 0.6% |
| ZILLOW HOME LOANS, LLC | $420,000 | n/a | 0.6% | |
| Marquette Savings Bank | $325,000 | $415,000 | 27.7% | 0.6% |
| 21ST MORTGAGE CORPORATION | $380,000 | n/a | 0.6% | |
| PREMIA MORTGAGE, LLC | $355,000 | n/a | 0.5% | |
| S&T Bank | $115,000 | $355,000 | 208.7% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $240,000 | $345,000 | 43.8% | 0.5% |
| Community Bank | $890,000 | $330,000 | -62.9% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $330,000 | n/a | 0.5% | |
| FIRST COMMUNITY MORTGAGE, INC. | $315,000 | n/a | 0.5% | |
| MidAtlantic Farm Credit, ACA | $315,000 | n/a | 0.5% | |
| Centra Credit Union | $440,000 | $300,000 | -31.8% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $460,000 | $295,000 | -35.9% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $465,000 | $295,000 | -36.6% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $290,000 | n/a | 0.4% | |
| GUARANTEED RATE, INC. | $280,000 | n/a | 0.4% | |
| USAA Federal Savings Bank | $1,395,000 | $280,000 | -79.9% | 0.4% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $275,000 | n/a | 0.4% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $195,000 | $270,000 | 38.5% | 0.4% |
| Residential Acceptance Corporation | $270,000 | n/a | 0.4% | |
| WesBanco | $270,000 | n/a | 0.4% | |
| LAKEVIEW LOAN SERVICING, LLC | $265,000 | n/a | 0.4% | |
| Meridian Bank Corporation | $245,000 | n/a | 0.4% | |
| Old National Bank | $245,000 | n/a | 0.4% | |
| CORRY FEDERAL CREDIT UNION | $370,000 | $215,000 | -41.9% | 0.3% |
| First National Bank of Pennsylvania | $180,000 | $210,000 | 16.7% | 0.3% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $185,000 | $190,000 | 2.7% | 0.3% |
| Greenville Savings Bank | $190,000 | $190,000 | 0.0% | 0.3% |
| Equity Prime Mortgage LLC | $135,000 | $185,000 | 37.0% | 0.3% |
| The Loan Store, Inc. | $185,000 | n/a | 0.3% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $175,000 | n/a | 0.3% | |
| ROYAL UNITED MORTGAGE LLC | $310,000 | $150,000 | -51.6% | 0.2% |
| Union Savings Bank | $145,000 | n/a | 0.2% | |
| Bank of America | $335,000 | $135,000 | -59.7% | 0.2% |
| NEW DAY FINANCIAL, LLC | $105,000 | $135,000 | 28.6% | 0.2% |
| Flagstar Bank, FSB | $130,000 | $130,000 | 0.0% | 0.2% |
| AmeriServ Financial Bank | $45,000 | $125,000 | 177.8% | 0.2% |
| JPMorgan Chase Bank | $65,000 | $125,000 | 92.3% | 0.2% |
| PLANET HOME LENDING, LLC | $125,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $295,000 | $115,000 | -61.0% | 0.2% |
| First Commonwealth Bank | $230,000 | $105,000 | -54.3% | 0.2% |
| AMERICAN FINANCING CORPORATION | $95,000 | n/a | 0.1% | |
| Fulton Bank | $95,000 | n/a | 0.1% | |
| Ally Bank | $205,000 | $85,000 | -58.5% | 0.1% |
| LOANPAL, LLC | $75,000 | $85,000 | 13.3% | 0.1% |
| OWNERSCHOICE FUNDING, INCORPORATED | $85,000 | n/a | 0.1% | |
| Coastal Community Bank | $50,000 | $80,000 | 60.0% | 0.1% |
| SPRING EQ, LLC | $80,000 | n/a | 0.1% | |
| Mercer County State Bank | $25,000 | $75,000 | 200.0% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $135,000 | $75,000 | -44.4% | 0.1% |
| The Huntington National Bank | $65,000 | $75,000 | 15.4% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $65,000 | n/a | 0.1% | |
| Ixonia Bank | $65,000 | n/a | 0.1% | |
| HOMESTEAD FUNDING CORP. | $55,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $55,000 | n/a | 0.1% | |
| UTILITIES EMPLOYEES CREDIT UNION | $80,000 | $55,000 | -31.3% | 0.1% |
| TOWER | $45,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $45,000 | n/a | 0.1% | |
| Wells Fargo Bank | $45,000 | n/a | 0.1% | |
| Discover Bank | $55,000 | $35,000 | -36.4% | 0.1% |
| Figure Lending LLC | $35,000 | n/a | 0.1% |
Warren's top lender by overall market share is QUICKEN LOANS, LLC, with 21.2% market share. In second place, with 18.6%, is Northwest Bank, having originated $12,500,000 in loans. In third place, with 11.9%, is CNB Bank, having originated $8,000,000 in loans. In fourth place, with 3.5%, is TIDEWATER MORTGAGE SERVICES, INC., having originated $2,335,000 in loans. In fifth place, with 3.4%, is PNC Bank, having originated $2,280,000 in loans.
Warren, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 271 | $40,855,000 | $150,756 |
| Other | 90 | $7,360,000 | $81,778 |
| Home Improvement | 78 | $5,920,000 | $75,897 |
| Cash Out Refi | 62 | $6,580,000 | $106,129 |
| Refi | 57 | $6,375,000 | $111,842 |
Warren's most frequently cited loan purpose was Home Purchase, with 271 originations. The 2nd most popular reason was Other, with 90 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 263 | $32,865,000 | $124,962 |
| 7-8% | 129 | $16,385,000 | $127,016 |
| Over 8% | 107 | $8,625,000 | $80,607 |
| 5-6% | 48 | $7,460,000 | $155,417 |
| 4-5% | 4 | $530,000 | $132,500 |
| <2.5% | 1 | $5,000 | $5,000 |
| 3-4% | 1 | $105,000 | $105,000 |
During 2024, Warren's most frequently originated rate bucket was 6-7%, with 263 originations.
Loan Sizing (Warren, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 270 | $16,010,000 | $59,296 |
| $100k-200k | 219 | $30,905,000 | $141,119 |
| $200k-400k | 61 | $15,565,000 | $255,164 |
| $400k-600k | 5 | $2,325,000 | $465,000 |
| $600k-1000k | 3 | $2,285,000 | $761,667 |
Warren's loan sizing saw the bucket of loans from $100,000 or less with 270 originations, totaling $16,010,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 217 | $33,105,000 | $152,558 |
| 60-80% | 106 | $15,070,000 | $142,170 |
| 20-40% | 101 | $7,125,000 | $70,545 |
| 40-60% | 64 | $6,650,000 | $103,906 |
| Under 20% | 56 | $2,490,000 | $44,464 |
| Over 100% | 5 | $845,000 | $169,000 |
Warren's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 217 originations, totaling $33,105,000 in origination value.