Pennsylvania · HMDA 2025
Mortgage lenders in Cumberland County, PA
354 lenders reported 10,960 home-loan applications in Cumberland County in 2025. 6,526 closed as loans ($1.6B), 1,657 were denied — a 19.5% denial rate on decided applications, below the Pennsylvania rate of 22.0%. The three most active lenders handled 27% of applications, led by MEMBERS 1ST. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 10,960
- Loans originated
- 6,526
- Purchase / refinance
- 2,980 / 1,796
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cumberland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | MEMBERS 1ST | 1,811 | 16.5% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 564 | 5.1% | — |
| 3 | PENNSYLVANIA STATE EMPLOYEES Credit Union 80 out of 100, Strong | 546 | 5.0% | 15.6% |
| 4 | Rocket Mortgage, LLC | 495 | 4.5% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 374 | 3.4% | — |
| 6 | First National Bank of Pennsylvania 64 out of 100, Moderate | 286 | 2.6% | 26.6% |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 240 | 2.2% | 32.5% |
| 8 | Orrstown Bank 70 out of 100, Strong | 239 | 2.2% | 22.0% |
| 9 | Broker Solutions, Inc. | 228 | 2.1% | — |
| 10 | PNC Bank, National Association 62 out of 100, Moderate | 201 | 1.8% | 33.8% |
| 11 | NEWREZ LLC | 187 | 1.7% | — |
| 12 | BELCO COMMUNITY CREDIT UNION 72 out of 100, Strong | 180 | 1.6% | 31.6% |
| 13 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 174 | 1.6% | 32.9% |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 172 | 1.6% | 14.1% |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 170 | 1.6% | — |
| 16 | Fairway Independent Mortgage Corporation | 160 | 1.5% | — |
| 17 | GUILD MORTGAGE COMPANY | 158 | 1.4% | — |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 149 | 1.4% | 32.9% |
| 19 | Farmers and Merchants Trust Company of Chambersburg | 139 | 1.3% | — |
| 20 | FREEDOM MORTGAGE CORPORATION | 135 | 1.2% | — |
| 21 | Fulton Bank, National Association 65 out of 100, Moderate | 133 | 1.2% | 23.0% |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 132 | 1.2% | — |
| 23 | Mortgage Research Center, LLC | 125 | 1.1% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 119 | 1.1% | — |
| 25 | 21st Mortgage Corporation | 96 | 0.9% | — |
| 26 | MOVEMENT MORTGAGE, LLC | 94 | 0.9% | — |
| 27 | Loandepot.Com, LLC | 90 | 0.8% | — |
| 28 | S&T Bank 70 out of 100, Strong | 90 | 0.8% | 31.1% |
| 29 | TRIAD FINANCIAL SERVICES, INC. | 85 | 0.8% | — |
| 30 | Mid Penn Bank 69 out of 100, Moderate | 79 | 0.7% | 21.6% |
| 31 | Truist Bank 63 out of 100, Moderate | 76 | 0.7% | 40.8% |
| 32 | Coastal Community Bank 35 out of 100, Low | 76 | 0.7% | 3.0% |
| 33 | CMG MORTGAGE, INC. | 74 | 0.7% | — |
| 34 | FIGURE LENDING LLC | 73 | 0.7% | — |
| 35 | PHH Mortgage Corporation | 72 | 0.7% | — |
| 36 | AmeriSave Mortgage Corporation | 70 | 0.6% | — |
| 37 | GUARANTEED RATE, INC. | 69 | 0.6% | — |
| 38 | Discover Bank | 68 | 0.6% | — |
| 39 | FIRST COMMUNITY MORTGAGE, INC. | 68 | 0.6% | — |
| 40 | GUARANTEED RATE AFFINITY, LLC | 66 | 0.6% | — |
Top 40 of 354 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