YORK - HANOVER Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in York - Hanover averaged
7.06%
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
6.89% and
one month ago for the week of 2025-05-15, the
average rate was 6.76%.
York - Hanover's average rate one year ago was 6.8%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.61%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| York - Hanover 30 Year Fixed Rate | 2025-06-18 | 7.06% |
| York - Hanover 30 Year Fixed Rate Refi | 2025-06-18 | 7.61% |
| York - Hanover 15 Year Fixed Rate | 2025-06-18 | 6.52% |
| York - Hanover 15 Year Fixed Rate Refi | 2025-06-18 | 8.42% |
| York - Hanover 30 Year FHA | 2025-06-18 | 0.24% |
| York - Hanover 30 Year FHA Refi | 2025-06-18 | -0.58% |
| York - Hanover 30 Year USDA | 2025-06-18 | 0.1% |
| York - Hanover 30 Year USDA Refi | 2025-06-18 | 0% |
| York - Hanover 30 Year VA | 2025-06-18 | 0.14% |
| York - Hanover 30 Year VA Refi | 2025-06-18 | -0.41% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within YORK-HANOVER, PA.
YORK - HANOVER 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 YORK-HANOVER, 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.).
YORK - HANOVER Average Closing Costs & Other Stats
YORK-HANOVER, PA's 225 lenders originated 11,504
loans during 2024. The total origination value was $2,254,270,000, with an average loan value of
$195,955.
YORK - HANOVER's average closing costs are $6,216.
The top YORK - HANOVER lender as defined by loan originations is York Traditions Bank, with
412 loans originated. Their average total fees are
$5,306, which is $2,235
lower than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee YORK - HANOVER lenders (with over 10 loans originated) are
PENNSYLVANIA STATE EMPLOYEES Credit Union ($3,318), ACNB Bank ($4,040), MEMBERS 1ST FEDERAL CREDIT UNION ($4,701), USAA Federal Savings Bank ($4,796) and Orrstown Bank ($4,956).
The lowest rate YORK - HANOVER lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (6.25%), PENNSYLVANIA STATE EMPLOYEES Credit Union (6.32%), Meridian Bank Corporation (6.42%), EMBRACE HOME LOANS, INC. (6.42%) and MEMBERS 1ST FEDERAL CREDIT UNION (6.43%).
YORK-HANOVER, 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 |
|---|---|---|---|---|
| York Traditions Bank | $166,090,000 | $178,700,000 | 7.6% | 7.9% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $116,055,000 | $131,715,000 | 13.5% | 5.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $87,705,000 | $104,405,000 | 19.0% | 4.6% |
| QUICKEN LOANS, LLC | $80,275,000 | $98,185,000 | 22.3% | 4.4% |
| CMG MORTGAGE, INC. | $67,590,000 | $83,550,000 | 23.6% | 3.7% |
| MOVEMENT MORTGAGE, LLC | $71,195,000 | $83,070,000 | 16.7% | 3.7% |
| M&T Bank | $86,405,000 | $70,290,000 | -18.7% | 3.1% |
| Fulton Bank | $42,210,000 | $62,590,000 | 48.3% | 2.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $51,075,000 | $61,535,000 | 20.5% | 2.7% |
| GUILD MORTGAGE COMPANY | $38,690,000 | $52,450,000 | 35.6% | 2.3% |
| Mortgage Research Center, LLC | $27,700,000 | $44,885,000 | 62.0% | 2.0% |
| PENNYMAC LOAN SERVICES, LLC | $13,120,000 | $44,470,000 | 238.9% | 2.0% |
| Prudential Huntoon Paige Associates, LLC | $42,920,000 | n/a | 1.9% | |
| RADIUS FINANCIAL GROUP INC. | $19,070,000 | $40,030,000 | 109.9% | 1.8% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $31,700,000 | $32,040,000 | 1.1% | 1.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $31,920,000 | $31,005,000 | -2.9% | 1.4% |
| First National Bank of Pennsylvania | $28,240,000 | $30,210,000 | 7.0% | 1.3% |
| PEOPLESBANK, A CODORUS VALLEY COMPANY | $75,050,000 | $28,390,000 | -62.2% | 1.3% |
| NVR Mortgage Finance, Inc. | $28,445,000 | $27,535,000 | -3.2% | 1.2% |
| BROKER SOLUTIONS, INC. | $7,410,000 | $27,155,000 | 266.5% | 1.2% |
| NAVY FEDERAL CREDIT UNION | $23,165,000 | $24,595,000 | 6.2% | 1.1% |
| Barings Multifamily Capital | $23,805,000 | n/a | 1.1% | |
| Homesale Mortgage, LLC | $22,335,000 | $23,165,000 | 3.7% | 1.0% |
| PNC Bank | $28,285,000 | $23,050,000 | -18.5% | 1.0% |
| NYMEO FEDERAL CREDIT UNION | $3,170,000 | $22,995,000 | 625.4% | 1.0% |
| Citizens Bank | $36,150,000 | $22,595,000 | -37.5% | 1.0% |
| Truist | $21,355,000 | $22,375,000 | 4.8% | 1.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $19,420,000 | $22,295,000 | 14.8% | 1.0% |
| WesBanco | $2,160,000 | $22,265,000 | 930.8% | 1.0% |
| FIRST HOME MORTGAGE CORPORATION | $17,370,000 | $21,820,000 | 25.6% | 1.0% |
| Orrstown Bank | $5,140,000 | $20,520,000 | 299.2% | 0.9% |
| FIRST CAPITAL Federal Credit Union | $24,465,000 | $20,095,000 | -17.9% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $10,970,000 | $19,260,000 | 75.6% | 0.9% |
| DHI MORTGAGE COMPANY, LTD. | $15,710,000 | $17,355,000 | 10.5% | 0.8% |
| LOANDEPOT.COM, LLC | $17,400,000 | $17,200,000 | -1.1% | 0.8% |
| NEWREZ LLC | $18,175,000 | $17,200,000 | -5.4% | 0.8% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $10,280,000 | $15,020,000 | 46.1% | 0.7% |
| GUARANTEED RATE AFFINITY, LLC | $11,365,000 | $14,415,000 | 26.8% | 0.6% |
| ACNB Bank | $32,920,000 | $14,180,000 | -56.9% | 0.6% |
| MDE Home Loans, LLC | $6,975,000 | $13,545,000 | 94.2% | 0.6% |
| Wells Fargo Bank | $18,445,000 | $13,425,000 | -27.2% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,465,000 | $13,265,000 | 56.7% | 0.6% |
| EMM LOANS LLC | $11,740,000 | $12,560,000 | 7.0% | 0.6% |
| Meridian Bank Corporation | $9,270,000 | $11,390,000 | 22.9% | 0.5% |
| Bank of Bird-in-Hand | $5,395,000 | $11,375,000 | 110.8% | 0.5% |
| FIRST COMMUNITY MORTGAGE, INC. | $575,000 | $10,735,000 | 1,767.0% | 0.5% |
| Farmers and Merchants Trust Company of Chambersburg | $6,635,000 | $10,695,000 | 61.2% | 0.5% |
| UNION HOME MORTGAGE CORP. | $8,660,000 | $10,535,000 | 21.7% | 0.5% |
| The Ephrata National Bank | $9,325,000 | $10,080,000 | 8.1% | 0.4% |
| S&T Bank | $15,070,000 | $8,840,000 | -41.3% | 0.4% |
| NFM, INC. | $20,650,000 | $8,615,000 | -58.3% | 0.4% |
| HERITAGE VALLEY | $7,565,000 | $8,445,000 | 11.6% | 0.4% |
| Univest Bank and Trust Co. | $11,485,000 | $7,455,000 | -35.1% | 0.3% |
| JPMorgan Chase Bank | $4,780,000 | $7,445,000 | 55.8% | 0.3% |
| Alcova Mortgage LLC | $6,505,000 | $7,440,000 | 14.4% | 0.3% |
| USAA Federal Savings Bank | $6,420,000 | $7,330,000 | 14.2% | 0.3% |
| DIRECT MORTGAGE LOANS, LLC | $3,675,000 | $7,230,000 | 96.7% | 0.3% |
| ENVOY MORTGAGE, LTD | $7,830,000 | $7,170,000 | -8.4% | 0.3% |
| TIDEWATER MORTGAGE SERVICES, INC. | $7,625,000 | $6,730,000 | -11.7% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $2,925,000 | $6,570,000 | 124.6% | 0.3% |
| BELCO COMMUNITY CREDIT UNION | $4,500,000 | $6,405,000 | 42.3% | 0.3% |
| HERSHEY | $1,130,000 | $6,310,000 | 458.4% | 0.3% |
| MidAtlantic Farm Credit, ACA | $5,650,000 | $6,140,000 | 8.7% | 0.3% |
| AmeriHome Mortgage Company, LLC | $5,625,000 | $6,035,000 | 7.3% | 0.3% |
| Sierra Pacific Mortgage Company, Inc. | $3,715,000 | $5,755,000 | 54.9% | 0.3% |
| Discover Bank | $4,240,000 | $5,565,000 | 31.3% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $1,130,000 | $5,450,000 | 382.3% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $3,560,000 | $5,390,000 | 51.4% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,150,000 | $5,380,000 | 70.8% | 0.2% |
| EMBRACE HOME LOANS, INC. | $1,335,000 | $5,355,000 | 301.1% | 0.2% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $7,750,000 | $5,300,000 | -31.6% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $900,000 | $5,180,000 | 475.6% | 0.2% |
| Mid Penn Bank | $8,030,000 | $5,130,000 | -36.1% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $990,000 | $5,070,000 | 412.1% | 0.2% |
| AMERICHOICE | $2,480,000 | $5,035,000 | 103.0% | 0.2% |
| RF Renovo Management Company, LLC | $2,310,000 | $4,700,000 | 103.5% | 0.2% |
| Carrington Mortgage Services, LLC | $6,805,000 | $4,665,000 | -31.4% | 0.2% |
| Integrity Home Mortgage Corp | $2,920,000 | $4,650,000 | 59.2% | 0.2% |
| Northwest Bank | $5,275,000 | $4,395,000 | -16.7% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $3,265,000 | $4,125,000 | 26.3% | 0.2% |
| GUARANTEED RATE, INC. | $10,280,000 | $4,045,000 | -60.7% | 0.2% |
| U.S. Bank | $2,615,000 | $3,875,000 | 48.2% | 0.2% |
| Flagstar Bank, FSB | $3,345,000 | $3,790,000 | 13.3% | 0.2% |
| NEW DAY FINANCIAL, LLC | $2,930,000 | $3,770,000 | 28.7% | 0.2% |
| 21ST MORTGAGE CORPORATION | $1,635,000 | $3,735,000 | 128.4% | 0.2% |
| Prosperity Home Mortgage, LLC | $3,565,000 | $3,690,000 | 3.5% | 0.2% |
| Citizens & Northern Bank | $805,000 | $3,665,000 | 355.3% | 0.2% |
| Towne Bank | $6,725,000 | $3,480,000 | -48.3% | 0.2% |
| The Federal Savings Bank | $3,165,000 | $3,445,000 | 8.8% | 0.2% |
| Bank of America | $3,345,000 | $3,330,000 | -0.4% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $3,105,000 | $3,300,000 | 6.3% | 0.1% |
| The Huntington National Bank | $3,055,000 | $3,195,000 | 4.6% | 0.1% |
| Equity Prime Mortgage LLC | $1,410,000 | $3,035,000 | 115.2% | 0.1% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | $3,540,000 | $2,975,000 | -16.0% | 0.1% |
| United Bank | $2,975,000 | n/a | 0.1% | |
| Figure Lending LLC | $1,625,000 | $2,870,000 | 76.6% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $590,000 | $2,865,000 | 385.6% | 0.1% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $2,555,000 | $2,800,000 | 9.6% | 0.1% |
| BETTER MORTGAGE CORPORATION | $1,625,000 | $2,710,000 | 66.8% | 0.1% |
| PHH Mortgage Corporation | $740,000 | $2,560,000 | 245.9% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $1,685,000 | $2,555,000 | 51.6% | 0.1% |
| Pennian Bank | $4,060,000 | $2,505,000 | -38.3% | 0.1% |
| United Nations Federal Credit Union | $2,505,000 | n/a | 0.1% | |
| TD Bank | $3,345,000 | $2,490,000 | -25.6% | 0.1% |
| NBKC BANK | $1,555,000 | $2,450,000 | 57.6% | 0.1% |
| LOANPAL, LLC | $1,035,000 | $2,440,000 | 135.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $3,015,000 | $2,370,000 | -21.4% | 0.1% |
| WHITE ROSE CREDIT UNION | $2,150,000 | $2,340,000 | 8.8% | 0.1% |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | $735,000 | $2,330,000 | 217.0% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $765,000 | $2,325,000 | 203.9% | 0.1% |
| MORTGAGE ACCESS CORP. | $1,295,000 | $2,275,000 | 75.7% | 0.1% |
| The Gratz Bank | $5,215,000 | $2,260,000 | -56.7% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $105,000 | $2,225,000 | 2,019.0% | 0.1% |
| GSF Mortgage Corporation | $1,815,000 | $2,215,000 | 22.0% | 0.1% |
| CARDINAL FINANCIAL | $4,775,000 | $2,210,000 | -53.7% | 0.1% |
| New Cumberland Federal Credit Union | $2,415,000 | $2,205,000 | -8.7% | 0.1% |
| SWBC MORTGAGE CORPORATION | $2,030,000 | $2,205,000 | 8.6% | 0.1% |
| ZILLOW HOME LOANS, LLC | $985,000 | $2,180,000 | 121.3% | 0.1% |
| THE MORTGAGE LINK, INC. | $1,245,000 | $2,165,000 | 73.9% | 0.1% |
| BAY EQUITY LLC | $510,000 | $2,140,000 | 319.6% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,450,000 | $2,125,000 | 46.6% | 0.1% |
| OCMBC, INC. | $435,000 | $2,115,000 | 386.2% | 0.1% |
| MICHIGAN MUTUAL, INC. | $2,640,000 | $2,085,000 | -21.0% | 0.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $980,000 | $2,045,000 | 108.7% | 0.1% |
| FIRST FINANCIAL OF MARYLAND | $3,685,000 | $2,015,000 | -45.3% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,910,000 | $1,920,000 | 0.5% | 0.1% |
| Coastal Community Bank | $1,410,000 | $1,870,000 | 32.6% | 0.1% |
| Residential Mortgage Solutions, Inc. | $1,985,000 | $1,865,000 | -6.0% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $1,335,000 | $1,825,000 | 36.7% | 0.1% |
| PREMIA MORTGAGE, LLC | $1,165,000 | $1,800,000 | 54.5% | 0.1% |
| Presidential Bank, FSB | $1,270,000 | $1,735,000 | 36.6% | 0.1% |
| Mortgage America, Inc. | $2,220,000 | $1,715,000 | -22.7% | 0.1% |
| DAS Acquisition Company, LLC | $540,000 | $1,675,000 | 210.2% | 0.1% |
| HOMESTEAD FUNDING CORP. | $410,000 | $1,630,000 | 297.6% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $7,440,000 | $1,595,000 | -78.6% | 0.1% |
| T2 FINANCIAL LLC | $1,845,000 | $1,590,000 | -13.8% | 0.1% |
| Plains Commerce Bank | $2,655,000 | $1,575,000 | -40.7% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $1,395,000 | $1,535,000 | 10.0% | 0.1% |
| GENEVA FINANCIAL, LLC | $1,765,000 | $1,535,000 | -13.0% | 0.1% |
| Princeton Mortgage Corporation | $385,000 | $1,525,000 | 296.1% | 0.1% |
| Keystone Funding, Inc. | $685,000 | $1,505,000 | 119.7% | 0.1% |
| TOWER | $1,765,000 | $1,495,000 | -15.3% | 0.1% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $2,645,000 | $1,460,000 | -44.8% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $2,100,000 | $1,410,000 | -32.9% | 0.1% |
| The Loan Store, Inc. | $1,100,000 | $1,405,000 | 27.7% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $3,490,000 | $1,390,000 | -60.2% | 0.1% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $1,375,000 | $1,355,000 | -1.5% | 0.1% |
| FIRST HERITAGE FINANCIAL, LLC | $450,000 | $1,345,000 | 198.9% | 0.1% |
| PLANET HOME LENDING, LLC | $285,000 | $1,335,000 | 368.4% | 0.1% |
| SPRING EQ, LLC | $890,000 | $1,320,000 | 48.3% | 0.1% |
| AMERICAN FINANCING CORPORATION | $120,000 | $1,315,000 | 995.8% | 0.1% |
| MILEND, INC. | $685,000 | $1,305,000 | 90.5% | 0.1% |
| PATRIOT | $300,000 | $1,290,000 | 330.0% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,050,000 | $1,265,000 | 20.5% | 0.1% |
| HOMESPIRE MORTGAGE CORPORATION | $3,365,000 | $1,260,000 | -62.6% | 0.1% |
| Atlantic Coast Mortgage, LLC | $1,215,000 | n/a | 0.1% | |
| AMERICAN HERITAGE FCU | $790,000 | $1,210,000 | 53.2% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $3,300,000 | $1,210,000 | -63.3% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $725,000 | $1,185,000 | 63.4% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $1,060,000 | $1,165,000 | 9.9% | 0.1% |
| Ixonia Bank | $1,165,000 | n/a | 0.1% | |
| First Commonwealth Bank | $820,000 | $1,160,000 | 41.5% | 0.1% |
| Morgan Stanley Private Bank | $515,000 | $1,160,000 | 125.2% | 0.1% |
| JMAC LENDING, INC. | $1,150,000 | n/a | 0.1% | |
| Freedom of Maryland Federal Credit Union | $275,000 | $1,130,000 | 310.9% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $1,675,000 | $1,125,000 | -32.8% | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | $2,390,000 | $1,115,000 | -53.3% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $745,000 | $1,115,000 | 49.7% | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | $515,000 | $1,105,000 | 114.6% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $485,000 | $1,095,000 | 125.8% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,190,000 | $1,025,000 | -13.9% | 0.0% |
| CITADEL FEDERAL CREDIT UNION | $500,000 | $1,010,000 | 102.0% | 0.0% |
| Raymond James Bank | $1,005,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $365,000 | $1,000,000 | 174.0% | 0.0% |
| LENDSURE MORTGAGE CORP. | $1,000,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $1,000,000 | $995,000 | -0.5% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $1,025,000 | $965,000 | -5.9% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $880,000 | $960,000 | 9.1% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $2,140,000 | $950,000 | -55.6% | 0.0% |
| Fifth Third Bank | $315,000 | $950,000 | 201.6% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $280,000 | $930,000 | 232.1% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $925,000 | n/a | 0.0% | |
| First Citizens Community Bank | $910,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $910,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $600,000 | $905,000 | 50.8% | 0.0% |
| POINT BREEZE | $1,965,000 | $905,000 | -53.9% | 0.0% |
| Quaint Oak Mortgage, LLC | $285,000 | $905,000 | 217.5% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $1,785,000 | $900,000 | -49.6% | 0.0% |
| Shore United Bank | $1,580,000 | $880,000 | -44.3% | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $875,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $320,000 | $875,000 | 173.4% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,205,000 | $865,000 | -73.0% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $4,850,000 | $855,000 | -82.4% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $445,000 | $845,000 | 89.9% | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | $2,245,000 | $845,000 | -62.4% | 0.0% |
| OAKTREE FUNDING CORP. | $815,000 | n/a | 0.0% | |
| The Juniata Valley Bank | $810,000 | n/a | 0.0% | |
| Nations Lending Corporation | $1,480,000 | $790,000 | -46.6% | 0.0% |
| Lakeview Community Capital, LLC | $255,000 | $785,000 | 207.8% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $320,000 | $765,000 | 139.1% | 0.0% |
| POLICE & FIRE | $240,000 | $765,000 | 218.8% | 0.0% |
| ADVANCIAL | $740,000 | n/a | 0.0% | |
| First Heritage Mortgage, LLC | $1,630,000 | $735,000 | -54.9% | 0.0% |
| Texana Bank | $710,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $1,405,000 | $690,000 | -50.9% | 0.0% |
| Ameris Bank | $675,000 | n/a | 0.0% | |
| STOCKTON MORTGAGE CORPORATION | $510,000 | $665,000 | 30.4% | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | $125,000 | $660,000 | 428.0% | 0.0% |
| Ally Bank | $1,450,000 | $645,000 | -55.5% | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | $205,000 | $645,000 | 214.6% | 0.0% |
| First Savings Bank | $465,000 | $645,000 | 38.7% | 0.0% |
| Northpointe Bank | $23,270,000 | $645,000 | -97.2% | 0.0% |
| SERVICE 1ST | $640,000 | n/a | 0.0% | |
| Fleetwood Bank | $315,000 | $635,000 | 101.6% | 0.0% |
| Armed Forces Bank | $625,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $870,000 | $620,000 | -28.7% | 0.0% |
| SIRVA MORTGAGE, INC. | $585,000 | $610,000 | 4.3% | 0.0% |
| BALTIMORE COUNTY EMPLOYEES | $945,000 | $605,000 | -36.0% | 0.0% |
| V.I.P. MORTGAGE, INC. | $405,000 | $590,000 | 45.7% | 0.0% |
| APCI Federal Credit Union | $35,000 | $580,000 | 1,557.1% | 0.0% |
| MEMBER ADVANTAGE MORTGAGE, LLC | $865,000 | $570,000 | -34.1% | 0.0% |
| Mid-Continent Funding, Inc. | $965,000 | $565,000 | -41.5% | 0.0% |
| Cornerstone First Mortgage, Inc | $560,000 | n/a | 0.0% | |
| CONSTRUCTIVE LOANS, LLC | $95,000 | $550,000 | 478.9% | 0.0% |
| DIGITAL Federal Credit Union | $240,000 | $545,000 | 127.1% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $990,000 | $540,000 | -45.5% | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | $535,000 | n/a | 0.0% | |
| Metro City Bank | $695,000 | $525,000 | -24.5% | 0.0% |
| NexBank | $255,000 | $520,000 | 103.9% | 0.0% |
| EVERETT FINANCIAL, INC. | $1,515,000 | $510,000 | -66.3% | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | $205,000 | $510,000 | 148.8% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $525,000 | $505,000 | -3.8% | 0.0% |
| Prosper Bank | $670,000 | $505,000 | -24.6% | 0.0% |
| SILVER HILL FUNDING, LLC | $640,000 | $495,000 | -22.7% | 0.0% |
| Magnolia Bank | $1,010,000 | $490,000 | -51.5% | 0.0% |
| POLARIS HOME FUNDING CORP. | $480,000 | n/a | 0.0% | |
| City Lending Inc. | $475,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $475,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $345,000 | $465,000 | 34.8% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $475,000 | $460,000 | -3.2% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $195,000 | $435,000 | 123.1% | 0.0% |
| TOWNE MORTGAGE COMPANY | $450,000 | $430,000 | -4.4% | 0.0% |
| Deere Employees Credit Union | $420,000 | n/a | 0.0% | |
| PIKE CREEK MORTGAGE SERVICES, INC. | $420,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $460,000 | $405,000 | -12.0% | 0.0% |
| MILLENNIUM FINANCIAL GROUP, INC. | $145,000 | $400,000 | 175.9% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $1,015,000 | $395,000 | -61.1% | 0.0% |
| Citibank | $395,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $485,000 | $395,000 | -18.6% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $355,000 | $390,000 | 9.9% | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | $60,000 | $390,000 | 550.0% | 0.0% |
| Acre Mortgage and Financial Inc | $385,000 | n/a | 0.0% | |
| Ardent Federal Credit Union | $385,000 | n/a | 0.0% | |
| LEBANON | $385,000 | n/a | 0.0% | |
| Ballston Spa National Bank | $65,000 | $380,000 | 484.6% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $270,000 | $380,000 | 40.7% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $425,000 | $375,000 | -11.8% | 0.0% |
| Bethpage Federal Credit Union | $370,000 | n/a | 0.0% | |
| UBS Bank USA | $370,000 | n/a | 0.0% | |
| BMO Harris Bank | $455,000 | $365,000 | -19.8% | 0.0% |
| Stifel Bank and Trust | $780,000 | $365,000 | -53.2% | 0.0% |
| Citadel Servicing Corporation | $940,000 | $360,000 | -61.7% | 0.0% |
| EASTERN SAVINGS BANK | $355,000 | n/a | 0.0% | |
| HOMEAMERICAN MORTGAGE CORPORATION | $3,220,000 | $355,000 | -89.0% | 0.0% |
| Sandy Spring Bank | $660,000 | $355,000 | -46.2% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $880,000 | $345,000 | -60.8% | 0.0% |
| Diamond Credit Union | $570,000 | $335,000 | -41.2% | 0.0% |
| INTERCAP LENDING INC. | $335,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $135,000 | $325,000 | 140.7% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $1,015,000 | $325,000 | -68.0% | 0.0% |
| Credence Funding Corporation | $325,000 | n/a | 0.0% | |
| Logan Finance Corporation | $275,000 | $325,000 | 18.2% | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | $540,000 | $325,000 | -39.8% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $320,000 | n/a | 0.0% | |
| Farmers and Merchants Bank Of Fowblesburg, Maryland | $865,000 | $320,000 | -63.0% | 0.0% |
| Johns Hopkins Federal Credit Union | $450,000 | $320,000 | -28.9% | 0.0% |
| Wilmington Savings Fund Society, FSB | $250,000 | $320,000 | 28.0% | 0.0% |
| JUSTICE Federal Credit Union | $195,000 | $315,000 | 61.5% | 0.0% |
| Elements Financial Federal Credit Union | $305,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $265,000 | $305,000 | 15.1% | 0.0% |
| SUMMIT FUNDING, INC. | $215,000 | $305,000 | 41.9% | 0.0% |
| EVANSVILLE TEACHERS | $75,000 | $295,000 | 293.3% | 0.0% |
| Boeing Employees Credit Union | $290,000 | n/a | 0.0% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $290,000 | n/a | 0.0% | |
| Baxter Credit Union | $580,000 | $285,000 | -50.9% | 0.0% |
| The Union Bank Company | $275,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $265,000 | n/a | 0.0% | |
| Kish Bank | $105,000 | $265,000 | 152.4% | 0.0% |
| N R L Federal Credit Union | $255,000 | n/a | 0.0% | |
| Pinnacle Bank | $540,000 | $255,000 | -52.8% | 0.0% |
| GREENWOOD | $250,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $200,000 | $250,000 | 25.0% | 0.0% |
| Tompkins Trust Company | $360,000 | $245,000 | -31.9% | 0.0% |
| Gateway First Bank | $315,000 | $235,000 | -25.4% | 0.0% |
| Hometown Equity Mortgage, LLC | $105,000 | $235,000 | 123.8% | 0.0% |
| LADERA LENDING, INC. | $335,000 | $235,000 | -29.9% | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | $235,000 | n/a | 0.0% | |
| Peoples Bank | $235,000 | n/a | 0.0% | |
| Philadelphia Mortgage Advisors, Inc. | $235,000 | n/a | 0.0% | |
| TEACHERS | $230,000 | n/a | 0.0% | |
| Quontic Bank | $325,000 | $225,000 | -30.8% | 0.0% |
| S1L, Inc. | $225,000 | n/a | 0.0% | |
| 1ST ED CREDIT UNION | $250,000 | $220,000 | -12.0% | 0.0% |
| APL | $160,000 | $220,000 | 37.5% | 0.0% |
| FirstBank | $215,000 | n/a | 0.0% | |
| State Financial Network, LLC | $215,000 | n/a | 0.0% | |
| ARC Federal Credit Union | $55,000 | $205,000 | 272.7% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $1,190,000 | $205,000 | -82.8% | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | $195,000 | n/a | 0.0% | |
| NP, Inc. | $195,000 | n/a | 0.0% | |
| Summit Community Bank, Inc. | $245,000 | $195,000 | -20.4% | 0.0% |
| NATION ONE MORTGAGE CORPORATION | $185,000 | n/a | 0.0% | |
| FREEDOM CREDIT UNION | $185,000 | $175,000 | -5.4% | 0.0% |
| OceanFirst Bank | $175,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $1,355,000 | $165,000 | -87.8% | 0.0% |
| Florida Capital Bank | $1,220,000 | $165,000 | -86.5% | 0.0% |
| Jersey Shore State Bank | $350,000 | $165,000 | -52.9% | 0.0% |
| Network Funding, L.P. | $165,000 | n/a | 0.0% | |
| RIVERFRONT | $75,000 | $165,000 | 120.0% | 0.0% |
| First National Bank of America | $285,000 | $160,000 | -43.9% | 0.0% |
| Bank of Clarke County | $155,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $1,955,000 | $155,000 | -92.1% | 0.0% |
| US MORTGAGE CORPORATION | $115,000 | $155,000 | 34.8% | 0.0% |
| AmeriServ Financial Bank | $760,000 | $145,000 | -80.9% | 0.0% |
| AmRes Corporation | $145,000 | $135,000 | -6.9% | 0.0% |
| Jarrettsville Federal Savings & Loan Assn | $755,000 | $135,000 | -82.1% | 0.0% |
| TruHome Solutions, LLC | $135,000 | n/a | 0.0% | |
| Capital Bank | $375,000 | $125,000 | -66.7% | 0.0% |
| First Commonwealth Federal Credit Union | $680,000 | $125,000 | -81.6% | 0.0% |
| NEW WAVE LENDING GROUP INC | $125,000 | n/a | 0.0% | |
| Willamette Valley Bank | $125,000 | n/a | 0.0% | |
| INTERCOASTAL MORTGAGE COMPANY | $365,000 | $115,000 | -68.5% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $115,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $165,000 | $115,000 | -30.3% | 0.0% |
| Northwest Federal Credit Union | $110,000 | n/a | 0.0% | |
| HAR-CO Credit Union | $710,000 | $105,000 | -85.2% | 0.0% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | $70,000 | $105,000 | 50.0% | 0.0% |
| Provident Bank | $105,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $75,000 | $105,000 | 40.0% | 0.0% |
| CHEVRON | $15,000 | $95,000 | 533.3% | 0.0% |
| Connexus Credit Union | $95,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $95,000 | n/a | 0.0% | |
| FRANKLIN MINT | $75,000 | n/a | 0.0% | |
| SkyPoint Federal Credit Union | $75,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $65,000 | n/a | 0.0% | |
| STAR USA FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| Sun East Federal Credit Union | $125,000 | $65,000 | -48.0% | 0.0% |
| CORNING | $55,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $470,000 | $55,000 | -88.3% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $45,000 | n/a | 0.0% | |
| The Bank of Landisburg | $390,000 | $45,000 | -88.5% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $25,000 | n/a | 0.0% | |
| VISIONS | $25,000 | n/a | 0.0% |
YORK - HANOVER's top lender by overall market share is York Traditions Bank, with 7.9% market share. In second place, with 5.8%, is MEMBERS 1ST FEDERAL CREDIT UNION, having originated $131,715,000 in loans. In third place, with 4.6%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $104,405,000 in loans. In fourth place, with 4.4%, is QUICKEN LOANS, LLC, having originated $98,185,000 in loans. In fifth place, with 3.7%, is CMG MORTGAGE, INC., having originated $83,550,000 in loans.
YORK-HANOVER, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 5,692 | $1,490,410,000 | $261,843 |
| Refi | 1,714 | $295,350,000 | $172,316 |
| Home Improvement | 1,596 | $125,340,000 | $78,534 |
| Other | 1,448 | $118,890,000 | $82,106 |
| Cash Out Refi | 1,053 | $223,955,000 | $212,683 |
| NA | 1 | $325,000 | $325,000 |
York - Hanover's most frequently cited loan purpose was Home Purchase, with 5,692 originations. The 2nd most popular reason was Refi, with 1,714 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 4,543 | $1,051,805,000 | $231,522 |
| Over 8% | 2,057 | $231,165,000 | $112,380 |
| 7-8% | 2,055 | $449,975,000 | $218,966 |
| 5-6% | 1,436 | $373,730,000 | $260,258 |
| <2.5% | 956 | $77,590,000 | $81,161 |
| 4-5% | 140 | $28,180,000 | $201,286 |
| 3-4% | 102 | $13,860,000 | $135,882 |
| 2.5-3% | 17 | $2,285,000 | $134,412 |
During 2024, York - Hanover's most frequently originated rate bucket was 6-7%, with 4,543 originations.
Loan Sizing (YORK-HANOVER, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 3,888 | $1,074,040,000 | $276,245 |
| $100,000 or less | 3,482 | $178,100,000 | $51,149 |
| $100k-200k | 3,339 | $486,705,000 | $145,764 |
| $400k-600k | 644 | $301,630,000 | $468,370 |
| $600k-1000k | 120 | $84,500,000 | $704,167 |
| $Over $1MM | 31 | $129,295,000 | $4,170,806 |
YORK - HANOVER's loan sizing saw the bucket of loans from $200k-400k with 3,888 originations, totaling $1,074,040,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 4,213 | $1,167,195,000 | $277,046 |
| Under 20% | 2,084 | $88,060,000 | $42,255 |
| 60-80% | 2,024 | $510,730,000 | $252,337 |
| 20-40% | 1,829 | $177,445,000 | $97,017 |
| 40-60% | 977 | $206,085,000 | $210,937 |
| Over 100% | 140 | $49,500,000 | $353,571 |
YORK - HANOVER's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 4,213 originations, totaling $1,167,195,000 in origination value.