Bangor, Pennsylvania Mortgage Rates Today for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Bangor, Pennsylvania mortgage rates today start at 5.97% for a 30 year fixed and 5.60% for a 15 year fixed, compared with Pennsylvania averages of 7.231% and 6.769%. Bangor, Pennsylvania mortgage rates range from 4.54% to 9.75%, verified by MonitorBankRates as of October 31, 2026. Current 30-year fixed mortgage rates in Bangor, Pennsylvania include The Fidelity Deposit and Discount BankThe Fidelity Deposit and Discount Bank303 Pennsylvania Ave, Bangor, PA, 18013A+5.0 ★Texas Ratio: 0.53%Rate verified Oct 31, 2026 at 7.25%, Riverfront Federal Credit UnionRiverfront Federal Credit UnionA+5.0 ★Texas Ratio: 4.11%Rate verified Oct 28, 2026 at 5.97%, Hill District Federal Credit UnionHill District Federal Credit UnionC+4.2 ★Texas Ratio: 25.14%Rate verified Oct 29, 2026 at 6.00%, Harleysville BankHarleysville BankA+5.0 ★Texas Ratio: 1.05%Rate verified Oct 31, 2026 at 6.25%, and JTNBJTNBA+5.0 ★Texas Ratio: 0.00%Rate verified Oct 27, 2026 at 6.35%. Mortgage rates as of October 31, 2026 according to verified data from MonitorBankRates.
Bangor borrowers can compare 244 mortgage rates from 56 lenders serving the Pennsylvania area, including 1 local, with rates as low as 7.125% from The Fidelity Deposit and Discount Bank at 303 Pennsylvania Ave, Bangor, PA, 18013. Use the tabs below to compare all available loan types and terms. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Pennsylvania borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 31, 2026
Compare Mortgage Rates Today in Bangor, Pennsylvania & the Surrounding Area
Bangor 30 Year Fixed Mortgage Rates
Excellent credit footnote: rates reflect a $200,000 loan on a $250,000 estimated value, credit score > 780, single family primary residence with 20% down; auto pay from a Fidelity Bank checking account required (otherwise rate is .25% higher)
Fixed; APR based on $100,000 loan amount
Loan Term: 30-Year Fixed; Monthly payment (P&I) $1,199.10 on $200,000 loan; taxes and insurance not included; borrower must maintain share account of at least 1% of financed amount
Purchase of Primary Residence Only; Single Family Dwelling; Maximum Loan to Value 97%; Income Limits Apply; Funds limited to purchases in Montgomery, Berks, Bucks, Delaware and Chester Counties; Rate Lock: 60 days
Up to 80% Loan to Value; 30 Year Fixed (or 360 monthly payments)
Term: 30 Year Fixed (or 360 monthly payments); Up to 80% Loan to Value (up to 97% with PMI); APR based on $100,000.00 loan amount; $100,000 loan payment $622.24; Rates effective as of 9/22/2026
Estimated Closing Costs: $6,005.00; APR assumes $175,000 purchase loan, 80% LTV, FICO 730+, zero point options; loan amounts under $100,000 may carry a higher APR
Rates and APRs include a .25% discount for automatic debit from an MCB deposit account
Owner occupied; LTV up to 95%; PMI required on loans over 80% LTV; maximum loan amount $416,375; APR based on $150,000 loan with 20% down
As Low As; Finance up to 80% of appraised property value; homeowners insurance declaration page required
- Oct 30, 20266.75%▲ from 6.49%
- Oct 14, 20266.49%first recorded
Rates and APRs include a .25% discount for automatic debit from an MCB deposit account
As Low As; Rate based on loan amount $125,000.00 to $149,999.00 with no points and maximum LTV of 95% for purchase or refinance of a single family, first lien, owner-occupied property; APR excludes PMI; effective 10/21/2026
- Oct 23, 20266.88%▼ from 7.13%
- Oct 2, 20267.13%▲ from 6.75%
- Sep 16, 20266.75%first recorded
Biweekly Payment per $1,000: $3.28; Rate requires biweekly payments automatically drafted every 14 days from a PennCrest BANK checking account; Loan amounts up to $832,750; 20% down payment or equity required
- Oct 22, 20266.89%▲ from 6.77%
- Oct 14, 20266.77%first recorded
Conforming Rates; effective as of October 30, 2026; loan amounts up to $832,750; minimum 780 credit score; max LTV 75%; P&I payment per $1,000: $6.49
No additional details available.
- Oct 26, 20266.93%▲ from 6.42%
- Oct 20, 20266.42%first recorded
Mortgage; rates based on 780 FICO, purchase or no cash-out refinance; APR assumes $400,000 loan, 20% down
- Oct 31, 20266.95%▼ from 7.20%
- Oct 20, 20267.20%▼ from 7.33%
- Oct 7, 20267.33%▲ from 6.70%
- Sep 7, 20266.70%first recorded
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
No additional details available.
- Oct 26, 20267.01%▲ from 6.51%
- Oct 20, 20266.51%first recorded
Loan amounts up to $832,750; 20% down payment or equity required; rate requires monthly payments drafted from PennCrest BANK checking account
As of 10/30/2026; VA Mortgage
Conforming Rates; effective as of October 30, 2026; loan amounts up to $832,750; minimum 780 credit score; max LTV 75%; P&I payment per $1,000: $6.65
Owner Occupied; APR is based on a $150,000 loan with 20% down; maximum loan amount $832,750; maximum LTV 95%
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), existing single family primary residence, escrow required, 60-day rate lock, 740 credit score assumed; advertised APR assumes approximately 2.000 points
- Oct 31, 20267.09%▼ from 7.22%
- Oct 22, 20267.22%first recorded
Owner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 60 days
Starting rate; APR based on $150,000 loan amount; assumes credit score of 780 or above; primary residence transactions
Payment per $1000: $6.65; APR includes .25% discount for automatic debit from InFirst Bank checking; rates accurate as of 10/29/2026
- Oct 31, 20267.14%▼ from 7.27%
- Oct 21, 20267.27%▲ from 7.14%
- Oct 11, 20267.14%▲ from 7.01%
- Oct 1, 20267.01%▲ from 6.76%
Owner Occupied
- Oct 28, 20267.14%▼ from 7.39%
- Oct 12, 20267.39%first recorded
Loan Amount: $0 - $832,750
- Oct 28, 20267.14%▼ from 7.19%
- Oct 23, 20267.19%first recorded
Owner Occupied
- Oct 28, 20267.17%▼ from 7.42%
- Oct 12, 20267.42%▲ from 6.79%
- Sep 17, 20266.79%▲ from 6.67%
- Sep 14, 20266.67%first recorded
Rates based on a 45 day lock
As Low As; Monthly Cost Per $10,000: $67.38
- Oct 29, 20267.21%▼ from 7.34%
- Oct 23, 20267.34%▲ from 7.33%
- Oct 9, 20267.33%▲ from 7.20%
- Oct 5, 20267.20%▲ from 6.95%
As Low As; Home Loans
As Low As; Amount (In Thousands): $151 - $200
Today's Featured Rates; Apply Now!
- Oct 23, 20267.23%▼ from 7.35%
- Oct 15, 20267.35%▼ from 7.60%
- Oct 8, 20267.60%▲ from 7.35%
- Sep 25, 20267.35%▲ from 7.23%
APR as low as; Mortgage rate table under FHA/VA Loans heading
Owner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 60 days
As Low As; Rates as low as 7.280% APR (homepage featured rate)
Rates effective as of 10/26/2026
Minimum down: 5%; APR based on $350,000, 25% down; Initial rate fixed: n/a
- Oct 26, 20267.29%▼ from 7.79%
- Oct 20, 20267.79%first recorded
As of 10/30/2026; Loan limits vary by county.
No additional details available.
- Oct 31, 20267.32%▼ from 7.44%
- Oct 14, 20267.44%▼ from 7.57%
- Oct 7, 20267.57%first recorded
Purchase transactions only; P&I payment: $1,364.35
P&I payment: $1,364.35; Interest rate and APR for refinance transactions; Rates subject to change without notice
Monthly payment example: $6.93 per thousand borrowed; 720 minimum credit score required; APR based on $100,000+ loan at 80% LTV
Today's Mortgage Rates; Apply Now
- Oct 31, 20267.41%▼ from 7.91%
- Oct 7, 20267.91%first recorded
Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: -0.029% (lender credit); Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Keystone Home Loan Program; 5% down payment basis; program minimum credit score 660; Monthly Payment per $1,000: $6.40; APR current as of October 30, 2026; Calculators and Apply Now available
- Oct 1, 20267.42%▲ from 7.17%
- Sep 27, 20267.17%▲ from 7.04%
- Sep 24, 20267.04%▲ from 6.79%
- Sep 15, 20266.79%first recorded
Purchase loan; rate lock 60 days; assumed credit score 740; escrow account required; APR is based on the assumed loan scenario
- Oct 2, 20267.44%▲ from 7.19%
- Sep 27, 20267.19%first recorded
Bangor 15 Year Fixed Mortgage Rates
Excellent credit footnote: rates reflect a $200,000 loan on a $250,000 estimated value, credit score > 780, single family primary residence with 20% down; auto pay from a Fidelity Bank checking account required (otherwise rate is .25% higher)
Fixed; APR based on $100,000 loan amount
Up to 80% Loan to Value; 15 Year Fixed (or 180 monthly payments)
Estimated Closing Costs: $5,960.00; APR assumes $175,000 purchase loan, 80% LTV, FICO 730+, zero point options; loan amounts under $100,000 may carry a higher APR
Term: 15 Year Fixed (or 180 monthly payments); Up to 80% Loan to Value (up to 97% with PMI); APR based on $100,000.00 loan amount; $100,000 loan payment $830.41; Rates effective as of 9/22/2026
No additional details available.
- Oct 26, 20266.14%▲ from 5.64%
- Oct 20, 20265.64%first recorded
Rates and APRs include a .25% discount for automatic debit from an MCB deposit account
No additional details available.
- Oct 26, 20266.24%▲ from 5.73%
- Oct 20, 20265.73%first recorded
Rates and APRs include a .25% discount for automatic debit from an MCB deposit account
Conforming Rates; effective as of October 30, 2026; loan amounts up to $832,750; minimum 780 credit score; max LTV 75%; P&I payment per $1,000: $8.51
Biweekly Payment per $1,000: $4.32; Rate requires biweekly payments automatically drafted every 14 days from a PennCrest BANK checking account; Loan amounts up to $832,750; 20% down payment or equity required
- Oct 22, 20266.39%▲ from 6.26%
- Oct 14, 20266.26%first recorded
Mortgage; rates based on 780 FICO, purchase or no cash-out refinance; APR assumes $400,000 loan, 20% down
- Oct 31, 20266.42%▼ from 6.53%
- Oct 20, 20266.53%▼ from 6.67%
- Oct 7, 20266.67%▲ from 5.92%
- Sep 7, 20265.92%first recorded
Conforming Rates; effective as of October 30, 2026; loan amounts up to $832,750; minimum 780 credit score; max LTV 75%; P&I payment per $1,000: $8.64
As Low As; Finance up to 80% of appraised property value; homeowners insurance declaration page required
- Oct 30, 20266.50%▲ from 5.85%
- Sep 14, 20265.85%first recorded
Loan amounts up to $832,750; 20% down payment or equity required; rate requires monthly payments drafted from PennCrest BANK checking account
Loan Amount: $0 - $832,750
- Oct 28, 20266.55%▼ from 6.69%
- Oct 23, 20266.69%first recorded
Owner Occupied; APR is based on a $150,000 loan with 20% down; maximum loan amount $832,750; maximum LTV 95%
Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Origination Fee or Lender Credit: 0.000%
- Oct 23, 20266.58%▼ from 6.83%
- Oct 12, 20266.83%▲ from 6.70%
- Oct 8, 20266.70%first recorded
Owner Occupied
- Oct 28, 20266.69%▼ from 6.94%
- Oct 12, 20266.94%▲ from 6.32%
- Sep 17, 20266.32%▲ from 6.19%
- Sep 14, 20266.19%first recorded
As of 10/30/2026; All mortgage rates listed with zero points unless otherwise noted
Payment per $1000: $8.71; APR includes .25% discount for automatic debit from InFirst Bank checking; rates accurate as of 10/29/2026
- Oct 31, 20266.72%▼ from 6.85%
- Oct 21, 20266.85%▲ from 6.72%
- Oct 11, 20266.72%▲ from 6.59%
- Oct 1, 20266.59%▲ from 6.34%
Owner Occupied
- Oct 28, 20266.72%▼ from 6.98%
- Oct 12, 20266.98%first recorded
No additional details available.
- Oct 23, 20266.74%▲ from 6.49%
- Oct 12, 20266.49%first recorded
Fixed Annual Percentage Rate; Term of Loan: 180 months (15 Year Fixed)
Owner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 120 days
Today's Featured Rates; Apply Now!
- Oct 15, 20266.78%▼ from 7.03%
- Oct 8, 20267.03%▲ from 6.91%
- Sep 25, 20266.91%▲ from 6.66%
- Sep 16, 20266.66%first recorded
Rates effective as of 10/26/2026
No additional details available.
- Oct 31, 20266.81%▼ from 7.06%
- Oct 14, 20267.06%▲ from 6.94%
- Oct 7, 20266.94%first recorded
Conforming Mortgage Rates; APR based on $350,000 loan, 25% down; Monthly Payment per $10,000: $88.49; Minimum Down: 5%; Time Initial Rate is Fixed: n/a; Adjustment After Initial Period: n/a; Max Lifetime Cap: n/a
- Oct 26, 20266.81%▼ from 7.07%
- Oct 7, 20267.07%▼ from 7.69%
- Sep 15, 20267.69%first recorded
Minimum down: 5%; APR based on $350,000, 25% down; Initial rate fixed: n/a
- Oct 26, 20266.81%▼ from 7.07%
- Oct 20, 20267.07%first recorded
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), existing single family primary residence, escrow required, 60-day rate lock, 740 credit score assumed; advertised APR assumes approximately 2.000 points
- Oct 31, 20266.87%▼ from 7.08%
- Oct 22, 20267.08%first recorded
Refinance; Conforming fixed rate mortgage; based on $300,000 loan amount; rate includes 0.125% autopay and paperless discount
Rates based on a 45 day lock
- Oct 28, 20266.88%▼ from 7.00%
- Oct 23, 20267.00%▼ from 7.13%
- Oct 15, 20267.13%first recorded
As Low As; Monthly Cost Per $10,000: $88.49
- Oct 23, 20266.89%▼ from 7.12%
- Oct 9, 20267.12%▲ from 6.87%
- Oct 5, 20266.87%▲ from 6.62%
- Sep 17, 20266.62%▲ from 6.24%
Today's Mortgage Rates; Apply Now
- Oct 31, 20266.89%▼ from 7.14%
- Oct 7, 20267.14%first recorded
As Low As
- Oct 19, 20266.91%▲ from 6.53%
- Sep 14, 20266.53%first recorded
Purchase transactions only; P&I payment: $1,769.82
P&I payment: $1,769.82; Interest rate and APR for refinance transactions; Rates subject to change without notice
As Low As; Home Loans
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
Monthly payment example: $8.99 per thousand borrowed; 720 minimum credit score required; APR based on $100,000+ loan at 80% LTV
Payment Amount: $899.59; based on loan amount of $100,000.00; excludes taxes and insurance; Maximum loan to value is 80%
Residential loans within Pennsylvania; APR based on $125,000 loan with 20% down; interest rate lock 45 days
- Oct 20, 20267.05%▼ from 7.17%
- Oct 7, 20267.17%▲ from 6.67%
- Sep 15, 20266.67%first recorded
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Loan Term: 15-Year Fixed; Monthly payment (P&I) $1,797.66 on $200,000 loan; taxes and insurance not included; borrower must maintain share account of at least 1% of financed amount
Points: 0%
Points: 1%
APR as low as; Mortgage rate table under FHA/VA Loans heading
Bangor 5/1 ARM Mortgage Rates
As Low As; Adjustable Rate Mortgage 5/1; Rates subject to increase or decrease after Initial Fixed Period; Loans over $832,750 may be subject to different rates
As Low As
As Low As; Construction ARMs (Adjustable Rate Mortgages); Rates are subject to change daily. Please contact Credit Union for additional program options.
As Low As
As Low As; 5/6 ARM is a variable rate loan; APR assumes 20% down, 30 day rate lock, $200,000.00 loan amount
Conforming Rates; effective as of October 30, 2026; fixed for 5 years then adjusts annually; loan amounts up to $832,750; minimum 780 credit score; max LTV 75%; P&I payment per $1,000: $6.08
Conforming Rates; effective as of October 30, 2026; fixed for 5 years then adjusts annually; loan amounts up to $832,750; minimum 780 credit score; max LTV 75%; P&I payment per $1,000: $6.24
As Low As
Adjustable rate mortgage
- Oct 28, 20267.06%▲ from 6.94%
- Sep 25, 20266.94%▲ from 6.89%
- Sep 17, 20266.89%first recorded
As Low As; Adjustable-Rate Mortgage; Index plus 3.00 percentage point margin after first adjustment; Conforming Loan amounts from $50,000 to $832,750
As Low As; Home Loans
As Low As; Rates effective starting: October 23, 2026
As Low As; Rate fixed for first 5 years, then adjusts annually over 30-year term; APR may increase after initial fixed-rate period
Initial rate; fixed for first 5 years, then adjusts annually; amortized over 30 years; 3.00% margin over CMT index; 2/2/6 caps
Owner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); caps 2% / 4% life; Rate Lock: 120 days
Owner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); caps 2% / 4% life; Rate Lock: 120 days
APRs current as of October 30, 2026; Pennsylvania residential loans; based on $125,000 loan with 20% down; Index: 1-Year Treasury (WSJ); Margin 2.750%; Caps 2/2/5; Floor 2.750%
- Oct 7, 20267.19%▲ from 7.01%
- Oct 2, 20267.01%▼ from 7.10%
- Oct 1, 20267.10%▲ from 6.99%
- Sep 27, 20266.99%▲ from 6.97%
Initial Fixed Rate Period: 5 Years; First Adjusted Rate: 7.24%; Rates effective October 22, 2026
Introductory rate (expires after 60 months); 0 Points Rate; APR subject to 5/1 ARM footnote **
- Oct 20, 20267.34%▲ from 6.63%
- Oct 7, 20266.63%first recorded
Loan amount $850,000, 25% down; Monthly payment per $10,000: $71.64; Minimum down: 10%; Initial rate fixed: 5 Yrs.; Adjusts every 6 Months; First adjusted interest rate: 6.875%; Max lifetime cap: 12.750%
- Oct 26, 20267.36%▼ from 7.41%
- Oct 7, 20267.41%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Conforming Mortgage Rates; APR based on $350,000 loan, 25% down; Minimum down 5%; Initial rate fixed 5 Yrs.; Adjusts every 6 Months; First adjusted interest rate 6.875%; Max lifetime cap 12.750%
- Oct 26, 20267.38%▼ from 7.41%
- Oct 7, 20267.41%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Minimum down: 5%; APR based on $350,000, 25% down; Initial rate fixed: 5 Yrs.; Adjustment after initial period: 6 Months; First adjusted interest rate: 6.875%; Max lifetime cap: 12.750%
As Low As; Rates effective starting: October 23, 2026
Rate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Caps 2% / 4% life; Rate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Bangor 30-Year Jumbo Mortgage Rates
Jumbo Loan Rates; Effective Date: Tuesday October 20, 2026; Fixed-Rate Jumbo; Rate reflects excellent credit history
Jumbo rates calculated assuming 25% down and a loan amount of $832,800; APR assumes loan closes on last day of month
Loan Amount: $832,751 - $1,500,000
Adjustable-Rate Mortgage; Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Jumbo; Adjustable-rate mortgage; Origination Fee or Lender Credit: 0.000%
Rate Lock: 60 Day; Loan Amount: $832,751 to $1,250,000; Add .375% for loan amounts of $1,250,001 and higher
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.71%▼ from 6.83%
- Oct 20, 20266.83%▼ from 6.87%
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
ARM Type: 10/1; Loan amount $832,751 to $1,250,000; Add .375% to above rates for loan amounts of $1,250,001 and higher; All Jumbo ARMs have a 2/6 Cap and 2.75% Margin; Rates may increase after loan consummation
Rate Lock: 60 Day; Loan Amount: $832,751 to $1,250,000; Add .375% for loan amounts of $1,250,001 and higher
Loan Amount: $832,751 - $1,500,000
Loan Amount: $832,751 - $1,500,000
- Oct 28, 20266.94%▼ from 7.04%
- Oct 23, 20267.04%first recorded
No additional details available.
- Oct 26, 20267.05%▲ from 6.54%
- Oct 20, 20266.54%first recorded
Loan Amount: $832,751 - $1,500,000
- Oct 28, 20267.12%▼ from 7.17%
- Oct 23, 20267.17%first recorded
No additional details available.
- Oct 26, 20267.13%▲ from 6.63%
- Oct 20, 20266.63%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.21%▼ from 7.46%
- Oct 22, 20267.46%first recorded
Jumbo Mortgages (Greater than $832,750); Fixed Rate; Est. APR based upon a 0% Service Fee
- Oct 20, 20267.26%▲ from 7.13%
- Oct 14, 20267.13%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.33%▼ from 7.46%
- Oct 22, 20267.46%first recorded
Introductory rate (expires after 36 months); 0 Points Rate; APR subject to 3/1 ARM footnote *
- Oct 20, 20267.38%▲ from 6.56%
- Oct 7, 20266.56%first recorded
Jumbo fixed; payment assumes $1,000,000 loan; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.45%▼ from 7.46%
- Oct 22, 20267.46%first recorded
As Low As; Adjustable-Rate Mortgage; Index plus 3.00 percentage point margin after first adjustment; Jumbo Conforming Loan amounts greater than $832,750
APR based on $850,000 loan, 20% down, 15 days prepaid interest; Jumbo mortgages are loans greater than $832,750
- Oct 27, 20267.52%▼ from 7.65%
- Oct 1, 20267.65%▲ from 7.52%
- Sep 28, 20267.52%▲ from 7.15%
- Sep 16, 20267.15%first recorded
Jumbo loan
- Oct 28, 20267.76%▼ from 7.88%
- Oct 23, 20267.88%first recorded
Introductory rate; 0 Points Rate; APR subject to 7/1 ARM footnote ***
- Oct 20, 20267.78%▲ from 7.52%
- Oct 7, 20267.52%first recorded
Loan amounts greater than $832,750; APR as low as 7.894%
Jumbo Mortgage ($832,751 - $2,000,000); APR current as of October 30, 2026; APR based on $832,751 loan with 20% down; rate lock 45 days
- Oct 14, 20268.08%▼ from 8.20%
- Sep 27, 20268.20%▲ from 7.95%
- Sep 19, 20267.95%▲ from 7.83%
- Sep 15, 20267.83%first recorded
Interest Rates As Low As; Exclusive mortgage benefit for Servicemembers, Reservists and Veterans who have already exhausted their VA loan benefit; no down payment required; 720 FICO, down payment of 0%; rates as of Oct 30, 2026 ET
- Oct 31, 20268.10%▼ from 8.22%
- Oct 26, 20268.22%▼ from 8.35%
- Oct 20, 20268.35%first recorded
As Low As; Rates as of Oct 30, 2026 ET; Advertised rate assumes single-family primary residence, 720 FICO, 0% down
- Oct 31, 20268.22%▼ from 8.35%
- Oct 26, 20268.35%▼ from 8.48%
- Oct 20, 20268.48%▼ from 8.61%
- Oct 1, 20268.61%first recorded
Bangor 15-Year Jumbo Mortgage Rates
Jumbo Loan Rates; Effective Date: Tuesday October 20, 2026; Fixed-Rate Jumbo; Rate reflects excellent credit history
Jumbo rates calculated assuming 25% down and a loan amount of $832,800; APR assumes loan closes on last day of month
Loan Amount: $832,751 - $1,500,000
- Oct 28, 20266.51%▼ from 6.66%
- Oct 23, 20266.66%first recorded
Jumbo Mortgages (Greater than $832,750); Fixed Rate; Est. APR based upon a 0% Service Fee
Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Jumbo; Origination Fee or Lender Credit: 0.000%
- Oct 23, 20266.52%▼ from 6.77%
- Oct 12, 20266.77%▲ from 6.65%
- Oct 8, 20266.65%first recorded
Rate Lock: 60 Day; Loan Amount: $832,751 to $1,250,000; Add .375% for loan amounts of $1,250,001 and higher
No additional details available.
- Oct 26, 20266.63%▲ from 6.13%
- Oct 20, 20266.13%first recorded
No additional details available.
- Oct 26, 20266.74%▲ from 6.23%
- Oct 20, 20266.23%first recorded
Jumbo fixed; payment assumes $1,000,000 loan; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.74%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.75%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; Rates quoted for owner occupied properties only
As Low As; Assumes single-family primary residence, 720 FICO, 20% down; Minimum 5% down required; Rates as of Oct 30, 2026 ET
- Oct 26, 20266.85%▼ from 6.97%
- Oct 20, 20266.97%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.87%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo loan
- Oct 28, 20267.00%▼ from 7.12%
- Oct 23, 20267.12%first recorded
Loan amounts greater than $832,750; APR as low as 7.155%
APR based on $850,000 loan, 20% down, 15 days prepaid interest; Jumbo mortgages are loans greater than $832,750
- Oct 27, 20267.16%▼ from 7.28%
- Oct 1, 20267.28%▲ from 7.16%
- Sep 28, 20267.16%▲ from 6.66%
- Sep 16, 20266.66%first recorded
Jumbo loan amounts $832,751 to $2,000,000; APR current as of October 30, 2026; APRs based on 20% down payment; Monthly Payment per $1,000: $9.20
0 Points Rate; APR subject to footnote ****
- Oct 20, 20268.42%▲ from 8.17%
- Oct 7, 20268.17%first recorded
Bangor 5/1 Jumbo ARM Mortgage Rates
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.65%▼ from 6.78%
- Oct 20, 20266.78%▼ from 6.83%
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
As Low As; Adjustable-Rate Mortgage; Index plus 3.00 percentage point margin after first adjustment; Jumbo Conforming Loan amounts greater than $832,750
Introductory rate (expires after 60 months); 0 Points Rate; APR subject to 5/1 ARM footnote **
- Oct 20, 20267.44%▲ from 6.89%
- Oct 7, 20266.89%first recorded
Bangor FHA Loan Rates
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
APR as low as; Mortgage rate table under FHA/VA Loans heading
As of 10/30/2026; Loan limits vary by county.
APR as low as; Mortgage rate table under FHA/VA Loans heading
As Low As; As of October 1, 2026; Rates locked for 60 days; PMI required with less than 20% down
FHA loan
- Oct 28, 20267.43%▼ from 7.47%
- Oct 23, 20267.47%first recorded
APR as low as; Mortgage rate table under FHA/VA Loans heading
As Low As; FHA/VA loan; Rate locks not exceeding 60 days
Rates effective as of 10/26/2026
As Low As; FHA/VA loan; Rate locks not exceeding 60 days
- Oct 23, 20267.62%▼ from 7.76%
- Oct 12, 20267.76%first recorded
FHA loan
- Oct 23, 20267.63%▲ from 7.43%
- Sep 17, 20267.43%first recorded
APR as low as; Mortgage rate table under FHA/VA Loans heading
As Low As; FHA 203k loan; Rate locks not exceeding 60 days
- Oct 28, 20267.71%▼ from 7.73%
- Oct 23, 20267.73%▼ from 7.86%
- Oct 12, 20267.86%first recorded
Rates based on a 45 day lock
- Oct 23, 20267.72%▼ from 8.23%
- Oct 15, 20268.23%first recorded
APR as low as; Mortgage rate table under FHA/VA Loans heading
Purchase transactions only; FHA & VA; P&I payment: $1,364.35
Bangor VA Loan Rates
Variable; TD Mortgage Prime Rate 4.85% -0.31%; Posted Rate: TD Mortgage Prime Rate (struck through)
- Oct 31, 20264.56%▲ from 4.31%
- Oct 26, 20264.31%first recorded
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.66%▼ from 6.79%
- Oct 20, 20266.79%first recorded
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.93%▼ from 7.06%
- Oct 20, 20267.06%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As of 10/30/2026; VA Mortgage
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Rates based on a 45 day lock
APR as low as; Mortgage rate table under FHA/VA Loans heading
APR as low as; Mortgage rate table under FHA/VA Loans heading
APR as low as; Mortgage rate table under FHA/VA Loans heading
APR as low as; Mortgage rate table under FHA/VA Loans heading
VA loan
- Oct 23, 20267.73%▼ from 7.86%
- Oct 15, 20267.86%▼ from 7.89%
- Oct 12, 20267.89%▲ from 7.86%
- Oct 2, 20267.86%▲ from 7.73%
APR as low as; Mortgage rate table under FHA/VA Loans heading
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Bangor, PA Mortgage Rate Trends
Compare local Bangor, PA mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
Pennsylvania 30-year fixed rates fell 0.024 points over the past 7 days to 7.231%.
Pennsylvania 15-year fixed rates fell 0.016 points over the past 7 days to 6.769%.
Pennsylvania Mortgage Rate Forecast, Next 12 Months
Where are Pennsylvania mortgage rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Bangor, PA Home Buyers
Monthly principal & interest payment on Bangor, PA median home of $173,800 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (PA avg) | 7.231% | $947 | 16.2% | |
| 6-Month Forecast | 7.231% (6.88, 7.53%) | $947 | +$0/mo | 16.2% |
| 12-Month Forecast | 7.481% (7.13, 7.78%) | $970 | +$24/mo | 16.6% |
Income column = annual mortgage payment as % of Bangor, PA median household income ($70,076). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Bangor, Pennsylvania , computed from local Census Bureau data combined with current Pennsylvania mortgage rates.
What This Score Means for Bangor, Pennsylvania Home Buyers
With a score of 124.4, Bangor, Pennsylvania is 27 points more affordable than the national average of 97.4. It ranks 821 of 1,325 scored Pennsylvania cities, where 1 is the most affordable. The area’s median home value of $173,800 against a median household income of $70,076 produces a price-to-income ratio of 2.5x , relatively affordable compared to national levels. At the current Pennsylvania mortgage rate of 7.234%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $947 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $1,139, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $316/month ($3,792/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from local U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Pennsylvania live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology
How Mortgage Rates Impact Home Affordability in Bangor, Pennsylvania
Bangor, Pennsylvania Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Bangor, Pennsylvania is approximately $173,800. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
Bangor, Pennsylvania Homeownership Rate
With a homeownership rate of 74.3%, well above the national average of 65.7%, Bangor, Pennsylvania has a strong ownership culture, making competitive mortgage rates especially important for buyers entering the market. The homeowner vacancy rate of 1.1% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.
Monthly Payment Estimates for Bangor, Pennsylvania Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $140,000 mortgage, based on a 20% down payment on the Bangor, Pennsylvania median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.731% | 30-year fixed | $906 | $186,257 |
| 7.231% Current Avg | 30-year fixed | $953 | $203,168 |
| 7.731% | 30-year fixed | $1,001 | $220,410 |
| 6.769% | 15-year fixed | $1,240 | $83,263 |
A 0.500% rate increase on a $140,000 loan adds roughly $48 per month and over $17,243 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Bangor, Pennsylvania buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
Bangor, Pennsylvania Income & Housing Affordability
At a price-to-income ratio of 2.5x, Bangor, Pennsylvania is a relatively affordable housing market compared to national averages. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Bangor, Pennsylvania Buyers
With a median household income of $70,076 per year in Bangor, Pennsylvania ($5,840/month) and a median home value of approximately $173,800, a buyer financing at 80% LTV at the current average rate would commit roughly 16.3% of gross monthly income to principal and interest alone. that falls within a manageable range relative to income, though taxes, insurance, HOA fees, and PMI will add to the true monthly cost of ownership.
Compared to the Pennsylvania statewide price-to-income ratio of 3.3x, Bangor tracks closely with the broader Pennsylvania market on income-adjusted affordability. In either case, even a 0.25% improvement in your mortgage rate meaningfully reduces both the income needed to qualify and the total cost over the loan term.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Bangor, Pennsylvania
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Bangor, Pennsylvania. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In Bangor, Pennsylvania, the median homeowner with a mortgage pays approximately $1,139/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,134/month including utilities. The $5/month difference between owning and renting is relatively narrow, worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $316/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Bangor, Pennsylvania, 24.5% of homeowners with mortgages are cost burdened and 46.3% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. The 24.5% owner burden rate is below the national average of 28.0%, suggesting this market offers relatively manageable ownership costs relative to local incomes.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Bangor, Pennsylvania Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Bangor, Pennsylvania rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Bangor, Pennsylvania Home Loan
Rates are only part of the equation. Use these calculators to translate current Bangor, Pennsylvania mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Bangor, Pennsylvania rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Bangor, Pennsylvania.
CalculateTypes of Mortgages Available in Bangor, Pennsylvania
Not every loan program is right for every buyer in Bangor, Pennsylvania. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Bangor, Pennsylvania rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Bangor, Pennsylvania, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Bangor, Pennsylvania, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for Bangor, Pennsylvania is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bangor, Pennsylvania mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Bangor, Pennsylvania directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Bangor, Pennsylvania. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in PA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Mortgage Product Information
How a Mortgage Works
A mortgage is a loan used to buy a home in Bangor, Pennsylvania, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed vs. Adjustable Rate Mortgages
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Bangor, Pennsylvania homeowner’s principal-and-interest payment never changes. For example, The Fidelity Deposit and Discount Bank is listing a 30-Year Fixed Mortgage at 7.25%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Bangor, Pennsylvania borrowers who expect to move or refinance before that point. On the adjustable-rate side, First Peoples Community Federal Credit Union is listing a ARM (Adjustable Rate Mortgage) - 5/1 at 5.00%.
How Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Pennsylvania borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs
The interest rate is not the only cost of buying a home in Bangor, Pennsylvania. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Bangor, Pennsylvania shoppers account for these costs when weighing lenders.
When to Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Bangor, Pennsylvania homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Bangor, Pennsylvania refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Bangor, Pennsylvania
What are mortgage rates in Bangor, Pennsylvania today?
What are home loan rates in Bangor, PA today?
How does my credit score affect my rate in Bangor, Pennsylvania?
What is a 30-Year Fixed Mortgage?
What are closing costs in Bangor, Pennsylvania?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Bangor, Pennsylvania?
Do I need 20% down to buy a house in Bangor, Pennsylvania?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Bangor, Pennsylvania?
How do I get mortgage quotes in Bangor, Pennsylvania?
What is the median home value in Bangor, Pennsylvania?
What is the homeownership rate in Bangor, Pennsylvania?
What is the conforming loan limit in Bangor, Pennsylvania?
What is the median monthly cost of homeownership in Bangor, Pennsylvania?
What are the median property taxes in Bangor, Pennsylvania?
What is the median rent in Bangor, Pennsylvania?
What percentage of homeowners are cost burdened in Bangor, Pennsylvania?
What percentage of renters are cost burdened in Bangor, Pennsylvania?
What are the best Mortgage rates in Bangor, Pennsylvania?
- The Fidelity Deposit and Discount Bank: 7.25% (30-Year Fixed Mortgage)
- Riverfront Federal Credit Union: 5.97% (Mortgage 30 Year Fixed)
- Hill District Federal Credit Union: 6.00% (Conventional Mortgage - 30-Year Fixed)
- Harleysville Bank: 6.25% (Special Community Homebuyer Program - 30 Yr. Fixed)
- JTNB: 6.35% (30 Year Fixed Mortgage)
Bangor, Pennsylvania Rates & Resources
