WILLIAMSPORT Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Williamsport averaged
6.93%
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
6.96% and
one month ago for the week of 2024-10-03, the
average rate was 6.16%.
Williamsport's average rate one year ago was 7.9%.
For refis of the same type during the week of 2024-11-07, the average rate
was 6.79%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
Williamsport 30 Year Fixed Rate | 2024-11-07 | 6.93% |
Williamsport 30 Year Fixed Rate Refi | 2024-11-07 | 6.79% |
Williamsport 15 Year Fixed Rate | 2024-11-07 | 5.8% |
Williamsport 15 Year Fixed Rate Refi | 2024-11-07 | 5.9% |
Williamsport 30 Year FHA | 2024-11-07 | 6.18% |
Williamsport 30 Year FHA Refi | 2024-11-07 | 6.63% |
Williamsport 30 Year USDA | 2024-11-07 | 6.68% |
Williamsport 30 Year USDA Refi | 2024-11-07 | 6.28% |
Williamsport 30 Year VA | 2024-11-07 | 6.49% |
Williamsport 30 Year VA Refi | 2024-11-07 | 6.24% |
WILLIAMSPORT 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 WILLIAMSPORT, 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.).
WILLIAMSPORT Average Closing Costs & Other Stats
WILLIAMSPORT, PA's 67 lenders originated 2,358
loans during 2023. The total origination value was $321,860,000, with an average loan value of
$136,497.
WILLIAMSPORT's average closing costs are $5,034.
The top WILLIAMSPORT lender as defined by loan originations is PRIMELENDING, A PLAINSCAPITAL COMPANY, with
88 loans originated. Their average total fees are
$4,975, which is $2,053
higher than the next largest lender,
The Muncy Bank and Trust Company.
The lowest fee WILLIAMSPORT lenders (with over 10 loans originated) are
PENNSYLVANIA STATE EMPLOYEES Credit Union ($2,604), The Muncy Bank and Trust Company ($2,923), Citizens & Northern Bank ($4,270), Jersey Shore State Bank ($4,974) and PRIMELENDING, A PLAINSCAPITAL COMPANY ($4,975).
The lowest rate WILLIAMSPORT lenders (with over 10 loans originated) are
PENNSYLVANIA STATE EMPLOYEES Credit Union (6.34%), Jersey Shore State Bank (6.53%), UNITED WHOLESALE MORTGAGE, LLC (6.69%), PRIMELENDING, A PLAINSCAPITAL COMPANY (6.76%) and Fulton Bank (6.99%).
WILLIAMSPORT, 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 |
---|---|---|---|---|
Jersey Shore State Bank | $104,880,000 | $70,005,000 | -33.3% | 21.8% |
The Muncy Bank and Trust Company | $59,935,000 | $43,710,000 | -27.1% | 13.6% |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $36,415,000 | $29,490,000 | -19.0% | 9.2% |
Woodlands Bank | $26,500,000 | $22,325,000 | -15.8% | 6.9% |
QUICKEN LOANS, LLC | $26,130,000 | $14,625,000 | -44.0% | 4.5% |
Century Mortgage Company DBA Century Lending Company | $11,870,000 | $10,590,000 | -10.8% | 3.3% |
First Commonwealth Bank | $18,740,000 | $9,085,000 | -51.5% | 2.8% |
Citizens & Northern Bank | $17,435,000 | $7,000,000 | -59.9% | 2.2% |
PENNSYLVANIA STATE EMPLOYEES Credit Union | $10,195,000 | $6,625,000 | -35.0% | 2.1% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $155,000 | $6,055,000 | 3,806.5% | 1.9% |
First Columbia Bank & Trust Co. | $1,775,000 | $5,995,000 | 237.7% | 1.9% |
Susquehanna Community Bank | $5,920,000 | $5,825,000 | -1.6% | 1.8% |
Mortgage Research Center, LLC | $5,325,000 | $5,605,000 | 5.3% | 1.7% |
UNITED WHOLESALE MORTGAGE, LLC | $5,650,000 | $5,595,000 | -1.0% | 1.7% |
Fulton Bank | $4,595,000 | $5,010,000 | 9.0% | 1.6% |
Kish Bank | $155,000 | $4,720,000 | 2,945.2% | 1.5% |
HORIZON Federal Credit Union | $10,530,000 | $3,605,000 | -65.8% | 1.1% |
Truist | $4,105,000 | $3,285,000 | -20.0% | 1.0% |
M&T Bank | $7,045,000 | $3,110,000 | -55.9% | 1.0% |
First National Bank of Pennsylvania | $6,830,000 | $2,885,000 | -57.8% | 0.9% |
PNC Bank | $4,845,000 | $2,560,000 | -47.2% | 0.8% |
GUILD MORTGAGE COMPANY | $455,000 | $2,125,000 | 367.0% | 0.7% |
FREEDOM MORTGAGE CORPORATION | $1,550,000 | $1,645,000 | 6.1% | 0.5% |
Citizens Bank | $3,760,000 | $1,545,000 | -58.9% | 0.5% |
NAVY FEDERAL CREDIT UNION | $2,330,000 | $1,535,000 | -34.1% | 0.5% |
JPMorgan Chase Bank | $635,000 | $1,485,000 | 133.9% | 0.5% |
AMERISAVE MORTGAGE CORPORATION | $2,285,000 | $1,360,000 | -40.5% | 0.4% |
Blue Ridge Bank | $250,000 | $1,355,000 | 442.0% | 0.4% |
Wells Fargo Bank | $2,445,000 | $1,335,000 | -45.4% | 0.4% |
NEWREZ LLC | $800,000 | $1,320,000 | 65.0% | 0.4% |
SERVICE 1ST | $1,385,000 | $1,305,000 | -5.8% | 0.4% |
PENNYMAC LOAN SERVICES, LLC | $2,495,000 | $1,280,000 | -48.7% | 0.4% |
PALCO FEDERAL CREDIT UNION | $1,570,000 | $1,260,000 | -19.7% | 0.4% |
ALLIED MORTGAGE GROUP, INC. | $4,895,000 | $1,245,000 | -74.6% | 0.4% |
Prosperity Home Mortgage, LLC | $350,000 | $1,235,000 | 252.9% | 0.4% |
Northwest Bank | $4,980,000 | $1,205,000 | -75.8% | 0.4% |
GUARANTEED RATE AFFINITY, LLC | $1,145,000 | n/a | 0.4% | |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $250,000 | $1,125,000 | 350.0% | 0.3% |
Mifflinburg Bank and Trust Company | $1,940,000 | $995,000 | -48.7% | 0.3% |
BETTER MORTGAGE CORPORATION | $180,000 | $805,000 | 347.2% | 0.3% |
PREMIA MORTGAGE, LLC | $745,000 | n/a | 0.2% | |
TD Bank | $375,000 | $745,000 | 98.7% | 0.2% |
Carrington Mortgage Services, LLC | $1,150,000 | $710,000 | -38.3% | 0.2% |
First Keystone Community Bank | $695,000 | n/a | 0.2% | |
Mid Penn Bank | $1,830,000 | $685,000 | -62.6% | 0.2% |
USAA Federal Savings Bank | $1,220,000 | $675,000 | -44.7% | 0.2% |
Mr. Cooper ( Nationstar Mortgage ) | $620,000 | $660,000 | 6.5% | 0.2% |
BROKER SOLUTIONS, INC. | $665,000 | $655,000 | -1.5% | 0.2% |
CROSSCOUNTRY MORTGAGE, LLC | $2,000,000 | $645,000 | -67.8% | 0.2% |
NEW DAY FINANCIAL, LLC | $165,000 | $620,000 | 275.8% | 0.2% |
LOANDEPOT.COM, LLC | $1,175,000 | $595,000 | -49.4% | 0.2% |
PENTAGON FEDERAL CREDIT UNION | $540,000 | $595,000 | 10.2% | 0.2% |
LEBANON | $590,000 | n/a | 0.2% | |
NBKC BANK | $570,000 | n/a | 0.2% | |
AmeriServ Financial Bank | $1,085,000 | $525,000 | -51.6% | 0.2% |
Flagstar Bank, FSB | $525,000 | $515,000 | -1.9% | 0.2% |
FIRST HERITAGE FINANCIAL, LLC | $1,365,000 | $505,000 | -63.0% | 0.2% |
FIRST HERITAGE FEDERAL CREDIT UNION | $415,000 | $500,000 | 20.5% | 0.2% |
VILLAGE CAPITAL MORTGAGE | $470,000 | $480,000 | 2.1% | 0.1% |
MidAtlantic Farm Credit, ACA | $950,000 | $475,000 | -50.0% | 0.1% |
CMG MORTGAGE, INC. | $345,000 | $460,000 | 33.3% | 0.1% |
Bank of England | $450,000 | n/a | 0.1% | |
ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $440,000 | n/a | 0.1% | |
Univest Bank and Trust Co. | $115,000 | $440,000 | 282.6% | 0.1% |
RELIANCE FIRST CAPITAL, LLC | $400,000 | $430,000 | 7.5% | 0.1% |
The Ephrata National Bank | $430,000 | n/a | 0.1% | |
MYCUMORTGAGE, LLC | $1,410,000 | $425,000 | -69.9% | 0.1% |
1st Colonial Community Bank | $395,000 | n/a | 0.1% | |
Ally Bank | $390,000 | n/a | 0.1% | |
First Citizens Community Bank | $1,405,000 | $390,000 | -72.2% | 0.1% |
PLANET HOME LENDING, LLC | $390,000 | n/a | 0.1% | |
HARTFORD FUNDING, LTD. | $365,000 | n/a | 0.1% | |
U.S. Bank | $355,000 | $340,000 | -4.2% | 0.1% |
York Traditions Bank | $340,000 | n/a | 0.1% | |
PRIMARY RESIDENTIAL MORTGAGE, INC. | $80,000 | $335,000 | 318.8% | 0.1% |
UNION HOME MORTGAGE CORP. | $335,000 | n/a | 0.1% | |
Bank of America | $1,115,000 | $325,000 | -70.9% | 0.1% |
Waterstone Mortgage Corporation | $310,000 | n/a | 0.1% | |
TJC Mortgage, Inc. | $295,000 | n/a | 0.1% | |
MUTUAL OF OMAHA MORTGAGE, INC. | $695,000 | $290,000 | -58.3% | 0.1% |
GSF Mortgage Corporation | $275,000 | n/a | 0.1% | |
SOUTH JERSEY | $560,000 | $270,000 | -51.8% | 0.1% |
First Federal Bank of Kansas City | $265,000 | n/a | 0.1% | |
ROYAL UNITED MORTGAGE LLC | $245,000 | $265,000 | 8.2% | 0.1% |
The Juniata Valley Bank | $700,000 | $260,000 | -62.9% | 0.1% |
CITADEL FEDERAL CREDIT UNION | $245,000 | n/a | 0.1% | |
Mid-Continent Funding, Inc. | $155,000 | $245,000 | 58.1% | 0.1% |
CLEARPATH LENDING | $175,000 | $235,000 | 34.3% | 0.1% |
CARDINAL FINANCIAL | $740,000 | $225,000 | -69.6% | 0.1% |
LONGBRIDGE FINANCIAL, LLC | $225,000 | n/a | 0.1% | |
NexBank | $225,000 | n/a | 0.1% | |
ZILLOW HOME LOANS, LLC | $585,000 | $225,000 | -61.5% | 0.1% |
CORNING | $400,000 | $215,000 | -46.3% | 0.1% |
Mortgage America, Inc. | $210,000 | $215,000 | 2.4% | 0.1% |
SeaTrust Mortgage Company | $215,000 | n/a | 0.1% | |
Discover Bank | $55,000 | $200,000 | 263.6% | 0.1% |
SUN WEST MORTGAGE COMPANY, INC. | $195,000 | n/a | 0.1% | |
MOVEMENT MORTGAGE, LLC | $510,000 | $190,000 | -62.7% | 0.1% |
Bethpage Federal Credit Union | $185,000 | n/a | 0.1% | |
TOP FLITE FINANCIAL, INC. | $340,000 | $180,000 | -47.1% | 0.1% |
Barrington Bank & Trust Company, N.A. | $175,000 | $175,000 | 0.0% | 0.1% |
AMERICAN FINANCIAL NETWORK, INC. | $165,000 | n/a | 0.1% | |
CBM Mortgage, Inc. | $610,000 | $165,000 | -73.0% | 0.1% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $165,000 | n/a | 0.1% | |
Coastal Community Bank | $160,000 | n/a | 0.0% | |
AMERICAN FINANCIAL RESOURCES, INC. | $155,000 | n/a | 0.0% | |
MEMBER FIRST MORTGAGE, LLC | $155,000 | n/a | 0.0% | |
Equity Prime Mortgage LLC | $85,000 | $145,000 | 70.6% | 0.0% |
LAKEVIEW LOAN SERVICING, LLC | $445,000 | $145,000 | -67.4% | 0.0% |
NFM, INC. | $135,000 | n/a | 0.0% | |
Servion, Inc. | $135,000 | n/a | 0.0% | |
Sierra Pacific Mortgage Company, Inc. | $135,000 | n/a | 0.0% | |
SOUTHWEST STAGE FUNDING, LLC | $135,000 | n/a | 0.0% | |
The Huntington National Bank | $495,000 | $135,000 | -72.7% | 0.0% |
21ST MORTGAGE CORPORATION | $160,000 | $125,000 | -21.9% | 0.0% |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $125,000 | n/a | 0.0% | |
CNB Bank | $420,000 | $125,000 | -70.2% | 0.0% |
Figure Lending LLC | $105,000 | $115,000 | 9.5% | 0.0% |
First National Bank of America | $145,000 | $115,000 | -20.7% | 0.0% |
Pennian Bank | $115,000 | n/a | 0.0% | |
Sun East Federal Credit Union | $115,000 | n/a | 0.0% | |
GUARANTY HOME MORTGAGE CORPORATION | $85,000 | n/a | 0.0% | |
Tompkins Trust Company | $85,000 | n/a | 0.0% | |
V.I.P. MORTGAGE, INC. | $85,000 | n/a | 0.0% | |
MEMBERS 1ST FEDERAL CREDIT UNION | $275,000 | $80,000 | -70.9% | 0.0% |
Hometown Equity Mortgage, LLC | $75,000 | n/a | 0.0% | |
Acre Mortgage and Financial Inc | $65,000 | n/a | 0.0% | |
Jarrettsville Federal Savings & Loan Assn | $55,000 | n/a | 0.0% | |
Fairway Consumer Discount Company | $45,000 | n/a | 0.0% | |
ALLEGACY FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
POLICE & FIRE | $35,000 | n/a | 0.0% | |
The Fidelity Deposit and Discount Bank | $245,000 | $35,000 | -85.7% | 0.0% |
WILLIAMSPORT's top lender by overall market share is Jersey Shore State Bank, with 21.8% market share. In second place, with 13.6%, is The Muncy Bank and Trust Company, having originated $43,710,000 in loans. In third place, with 9.2%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $29,490,000 in loans. In fourth place, with 6.9%, is Woodlands Bank, having originated $22,325,000 in loans. In fifth place, with 4.5%, is QUICKEN LOANS, LLC, having originated $14,625,000 in loans.
WILLIAMSPORT, PA Average Rent (2023)
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Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
---|---|---|---|---|---|---|
16930 | Williamsport, PA MSA | $750 | $820 | $1,000 | $1,290 | $1,380 |
16938 | Williamsport, PA MSA | $700 | $770 | $930 | $1,200 | $1,290 |
17701 | Williamsport, PA MSA | $750 | $820 | $1,000 | $1,290 | $1,380 |
17702 | Williamsport, PA MSA | $780 | $860 | $1,040 | $1,340 | $1,440 |
17703 | Williamsport, PA MSA | $730 | $800 | $970 | $1,250 | $1,340 |
17720 | Williamsport, PA MSA | $730 | $800 | $970 | $1,250 | $1,340 |
17723 | Williamsport, PA MSA | $690 | $750 | $910 | $1,170 | $1,260 |
17724 | Williamsport, PA MSA | $640 | $690 | $840 | $1,080 | $1,160 |
17727 | Williamsport, PA MSA | $730 | $800 | $970 | $1,250 | $1,340 |
17728 | Williamsport, PA MSA | $730 | $800 | $970 | $1,250 | $1,340 |
17737 | Williamsport, PA MSA | $680 | $750 | $910 | $1,170 | $1,260 |
17739 | Williamsport, PA MSA | $700 | $770 | $930 | $1,200 | $1,290 |
17740 | Williamsport, PA MSA | $680 | $740 | $900 | $1,160 | $1,250 |
17742 | Williamsport, PA MSA | $740 | $820 | $990 | $1,270 | $1,370 |
17744 | Williamsport, PA MSA | $660 | $730 | $880 | $1,130 | $1,220 |
17745 | Williamsport, PA MSA | $740 | $810 | $980 | $1,260 | $1,360 |
17747 | Williamsport, PA MSA | $730 | $800 | $970 | $1,250 | $1,340 |
17752 | Williamsport, PA MSA | $730 | $800 | $970 | $1,250 | $1,340 |
17754 | Williamsport, PA MSA | $820 | $900 | $1,090 | $1,400 | $1,510 |
17756 | Williamsport, PA MSA | $760 | $840 | $1,010 | $1,300 | $1,400 |
17758 | Williamsport, PA MSA | $880 | $970 | $1,170 | $1,510 | $1,620 |
17762 | Williamsport, PA MSA | $740 | $810 | $980 | $1,260 | $1,360 |
17763 | Williamsport, PA MSA | $670 | $740 | $890 | $1,140 | $1,230 |
17765 | Williamsport, PA MSA | $690 | $760 | $920 | $1,180 | $1,270 |
17769 | Williamsport, PA MSA | $730 | $800 | $970 | $1,250 | $1,340 |
17771 | Williamsport, PA MSA | $650 | $720 | $870 | $1,120 | $1,200 |
17772 | Williamsport, PA MSA | $640 | $720 | $820 | $1,170 | $1,180 |
17774 | Williamsport, PA MSA | $770 | $850 | $1,030 | $1,330 | $1,430 |
17776 | Williamsport, PA MSA | $700 | $760 | $930 | $1,190 | $1,280 |
17810 | Williamsport, PA MSA | $700 | $770 | $930 | $1,200 | $1,290 |
17814 | Williamsport, PA MSA | $670 | $790 | $950 | $1,170 | $1,290 |
17846 | Williamsport, PA MSA | $660 | $770 | $920 | $1,120 | $1,240 |
2022 Average & Median Rent Data Statistics
WILLIAMSPORT, PA average 1BR rent: $792, median: $800
WILLIAMSPORT, PA average 2BR rent: $957, median: $970
WILLIAMSPORT, PA average 3BR rent: $1,231, median: $1,250
WILLIAMSPORT, PA Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 1,125 | $210,055,000 | $186,716 |
Refi | 449 | $49,245,000 | $109,677 |
Home Improvement | 361 | $22,845,000 | $63,283 |
Other | 312 | $19,730,000 | $63,237 |
Cash Out Refi | 111 | $19,985,000 | $180,045 |
Williamsport's most frequently cited loan purpose was Home Purchase, with 1,125 originations. The 2nd most popular reason was Refi, with 449 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
6-7% | 800 | $118,520,000 | $148,150 |
5-6% | 488 | $54,240,000 | $111,148 |
7-8% | 411 | $68,635,000 | $166,995 |
Over 8% | 199 | $29,485,000 | $148,166 |
4-5% | 160 | $14,730,000 | $92,063 |
<2.5% | 92 | $840,000 | $9,130 |
3-4% | 48 | $4,590,000 | $95,625 |
2.5-3% | 12 | $1,240,000 | $103,333 |
During 2023, Williamsport's most frequently originated rate bucket was 6-7%, with 800 originations.
Loan Sizing (WILLIAMSPORT, PA MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100,000 or less | 1,099 | $51,175,000 | $46,565 |
$100k-200k | 789 | $114,015,000 | $144,506 |
$200k-400k | 402 | $105,130,000 | $261,517 |
$400k-600k | 51 | $23,395,000 | $458,725 |
$600k-1000k | 11 | $8,535,000 | $775,909 |
$Over $1MM | 6 | $19,610,000 | $3,268,333 |
WILLIAMSPORT's loan sizing saw the bucket of loans from $100,000 or less with 1,099 originations, totaling $51,175,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 684 | $143,030,000 | $209,108 |
Under 20% | 563 | $17,995,000 | $31,963 |
20-40% | 412 | $35,460,000 | $86,068 |
60-80% | 325 | $64,275,000 | $197,769 |
40-60% | 208 | $27,710,000 | $133,221 |
Over 100% | 13 | $2,845,000 | $218,846 |
WILLIAMSPORT's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 684 originations, totaling $143,030,000 in origination value.