Mortgage & Home Loan Rates

Rate are accurate as of 08/28/25

Residential Mortgage Loans

First Lien Owner Occupied
Great "Going" Rates
Best "Relationship" Rates*
First Time Home Buyer Rate/APR**
RATE
APR
RATE
APR
RATE
APR
<= 180 months
6.24%
6.282%
5.99%
6.032%
5.99%
5.992%
181-240 months
6.49%
6.524%
6.24%
6.273%
6.24%
6.242%
241-360 months
6.74%
6.766%
6.49%
6.516%
6.49%
6.492%

 

Home Equity Term Loan***

First Lien Owner Occupied
Great "Going" Rates
Best "Relationship" Rates*
RATE/APR
RATE/APR
60 months or less
5.74%
5.49%
12-120 months
5.99%
5.74%
121-180 months
6.49%
6.24%
Junior Lien - Owner Occupied Real Estate Only
Great "Going" Rates
Best "Relationship" Rates*
RATE/APR
RATE/APR
60 months or less
5.99%
5.74%
61-120 months
6.24%
5.99%
121-180 months
6.74%
6.49%

 

Home Equity Line of Credit***

Great "Going" Rates
Best "Relationship" Rates*
Variable Rate****
RATE/APR
RATE/APR
NY Prime (currently 7.50%) + .50%
NY Prime (currently 7.50%) + 0.0%

These rates are based on a credit review and your rate may be higher based on your credit score, property type, loan to value and mortgage product. If the loan exceeds $250,000, title insurance is required. 

The example mortgage Annual Percentage Rate (APR)s shown above are based on loans secured by a single-family primary residence and are calculated using a $100,000 loan amount at 80% loan-to-value (LTV).

*Relationship Rate: Available to customer who has four or more unique services with the bank, including the new loan/line. Services include Consumer Checking, Business Checking, Savings, Smart Savers Account, Money Market, Holiday Club, Certificate of Deposit, Credit Card Merchant Service, Mortgage Loan, Personal Line/Loan, Commercial Line/Loan, Trust/Estate, Brokerage, Safe Deposit Box. 

** First Time Home Buyer Program: 0% Origination Fee and $0.00 Document Preparation fee.

*** For Home Equity Loans or Lines of Credit under $250,000 where collateral property is located within Pennsylvania, origination fees are waived, and automated valuation, credit, title and other processing fees are paid by the bank. Customer is responsible for the expense associated with a professional appraiser, if required. A professional appraisal may be required if the property is outside or PA or in a flood zone (SFHA) and may also be required by the bank, or requested by the customer, to confirm property value. Property insurance is always required. Flood insurance required where necessary. Subject to credit approval. Consult your tax advisor about the deductibility of interest. AFT from 1st Summit checking account required for Relationship Rate. HELOC charged a $25 annual fee. 

****Variable rate on the Line of Credit based on NY Prime rate and has a floor rate of 4.50% and the maximum rate is 18%.