Pennsylvania · HMDA 2025
Mortgage lenders in Bradford County, PA
146 lenders reported 1,676 home-loan applications in Bradford County in 2025. 970 closed as loans ($150.4M), 291 were denied — a 22.5% denial rate on decided applications, close to the Pennsylvania rate of 22.0%. The three most active lenders handled 29% of applications, led by CITIZENS & NORTHERN BANK. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,676
- Loans originated
- 970
- Purchase / refinance
- 499 / 237
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bradford County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CITIZENS & NORTHERN BANK 53 out of 100, Below average | 252 | 15.0% | 12.5% |
| 2 | Ixonia Bank 67 out of 100, Moderate | 127 | 7.6% | 4.7% |
| 3 | Rocket Mortgage, LLC | 103 | 6.1% | — |
| 4 | Visions Federal Credit Union 64 out of 100, Moderate | 70 | 4.2% | 32.6% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 68 | 4.1% | — |
| 6 | First Citizens Community Bank 52 out of 100, Below average | 65 | 3.9% | 7.8% |
| 7 | PS Bank 83 out of 100, Strong | 61 | 3.6% | 8.9% |
| 8 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 59 | 3.5% | 32.9% |
| 9 | 21st Mortgage Corporation | 53 | 3.2% | — |
| 10 | Community Bank, National Association 62 out of 100, Moderate | 51 | 3.0% | 18.9% |
| 11 | Ingersoll-Rand Federal Credit Union 62 out of 100, Moderate | 44 | 2.6% | 14.5% |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 41 | 2.4% | — |
| 13 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | 40 | 2.4% | — |
| 14 | Mortgage Research Center, LLC | 37 | 2.2% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 30 | 1.8% | — |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 21 | 1.3% | 32.9% |
| 17 | PLANET HOME LENDING, LLC | 21 | 1.3% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 20 | 1.2% | — |
| 19 | CORNING CREDIT UNION | 20 | 1.2% | — |
| 20 | AmeriSave Mortgage Corporation | 19 | 1.1% | — |
| 21 | PENNSYLVANIA STATE EMPLOYEES Credit Union 80 out of 100, Strong | 17 | 1.0% | 15.6% |
| 22 | FIRST HERITAGE FEDERAL CREDIT UNION 72 out of 100, Strong | 16 | 1.0% | 24.0% |
| 23 | Chemung Canal Trust Company 72 out of 100, Strong | 16 | 1.0% | 15.1% |
| 24 | Loandepot.Com, LLC | 15 | 0.9% | — |
| 25 | NEWREZ LLC | 14 | 0.8% | — |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 0.8% | 14.1% |
| 27 | Broker Solutions, Inc. | 13 | 0.8% | — |
| 28 | CROSSCOUNTRY MORTGAGE, INC. | 13 | 0.8% | — |
| 29 | NATIONSTAR MORTGAGE LLC | 11 | 0.7% | — |
| 30 | Coastal Community Bank 35 out of 100, Low | 11 | 0.7% | 3.0% |
| 31 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 10 | 0.6% | 22.2% |
| 32 | Tioga State Bank, N. A. | 10 | 0.6% | — |
| 33 | LAKEVIEW LOAN SERVICING, LLC | 10 | 0.6% | — |
| 34 | MOVEMENT MORTGAGE, LLC | 9 | 0.5% | — |
| 35 | PNC Bank, National Association 62 out of 100, Moderate | 9 | 0.5% | 33.8% |
| 36 | Bank of America, National Association 59 out of 100, Moderate | 9 | 0.5% | 44.7% |
| 37 | FIGURE LENDING LLC | 9 | 0.5% | — |
| 38 | VILLAGE CAPITAL & INVESTMENT LLC | 9 | 0.5% | — |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 7 | 0.4% | 32.5% |
| 40 | SPRING EQ, LLC | 7 | 0.4% | — |
Top 40 of 146 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Pennsylvania
- Philadelphia County 52,674 apps
- Allegheny County 48,249 apps
- Montgomery County 35,106 apps
- Bucks County 26,663 apps
- Chester County 23,825 apps
- Delaware County 22,887 apps
- York County 22,065 apps
- Lancaster County 19,787 apps
- Berks County 16,859 apps
- Lehigh County 14,472 apps
- Westmoreland County 14,117 apps
- Northampton County 12,791 apps