Pennsylvania · HMDA 2025
Mortgage lenders in Northumberland County, PA
198 lenders reported 2,458 home-loan applications in Northumberland County in 2025. 1,463 closed as loans ($200.2M), 464 were denied — a 23.6% denial rate on decided applications, above the Pennsylvania rate of 22.0%. The three most active lenders handled 21% of applications, led by SERVICE 1ST. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,458
- Loans originated
- 1,463
- Purchase / refinance
- 656 / 363
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Northumberland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | SERVICE 1ST | 220 | 9.0% | — |
| 2 | Rocket Mortgage, LLC | 155 | 6.3% | — |
| 3 | PENNSYLVANIA STATE EMPLOYEES Credit Union 80 out of 100, Strong | 131 | 5.3% | 15.6% |
| 4 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 122 | 5.0% | 32.9% |
| 5 | First National Bank of Pennsylvania 64 out of 100, Moderate | 111 | 4.5% | 26.6% |
| 6 | Fulton Bank, National Association 65 out of 100, Moderate | 95 | 3.9% | 23.0% |
| 7 | Journey Bank 71 out of 100, Strong | 80 | 3.3% | 5.5% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 75 | 3.1% | — |
| 9 | MC Federal Credit Union 65 out of 100, Moderate | 64 | 2.6% | 13.8% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 55 | 2.2% | — |
| 11 | Truist Bank 63 out of 100, Moderate | 54 | 2.2% | 40.8% |
| 12 | Mortgage Research Center, LLC | 52 | 2.1% | — |
| 13 | Broker Solutions, Inc. | 45 | 1.8% | — |
| 14 | Susquehanna Community Bank | 43 | 1.7% | — |
| 15 | Mifflinburg Bank and Trust Company 67 out of 100, Moderate | 39 | 1.6% | 1.8% |
| 16 | MEMBERS 1ST | 39 | 1.6% | — |
| 17 | NEWREZ LLC | 37 | 1.5% | — |
| 18 | Jersey Shore State Bank | 37 | 1.5% | — |
| 19 | UNB Bank 67 out of 100, Moderate | 37 | 1.5% | 9.8% |
| 20 | First Commonwealth Bank 65 out of 100, Moderate | 30 | 1.2% | 26.5% |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 29 | 1.2% | — |
| 22 | Loandepot.Com, LLC | 26 | 1.1% | — |
| 23 | Mortgage America, Inc. | 26 | 1.1% | — |
| 24 | NEW DAY FINANCIAL, LLC | 25 | 1.0% | — |
| 25 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 24 | 1.0% | 14.1% |
| 26 | FREEDOM MORTGAGE CORPORATION | 23 | 0.9% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 22 | 0.9% | 32.9% |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 21 | 0.9% | — |
| 29 | FIGURE LENDING LLC | 21 | 0.9% | — |
| 30 | PLANET HOME LENDING, LLC | 21 | 0.9% | — |
| 31 | NATIONSTAR MORTGAGE LLC | 21 | 0.9% | — |
| 32 | AmeriSave Mortgage Corporation | 19 | 0.8% | — |
| 33 | FIRST HERITAGE FINANCIAL, LLC | 19 | 0.8% | — |
| 34 | CITIZENS & NORTHERN BANK 53 out of 100, Below average | 19 | 0.8% | 12.5% |
| 35 | ALLIED MORTGAGE GROUP, INC. | 19 | 0.8% | — |
| 36 | Citizens Bank, National Association 54 out of 100, Below average | 18 | 0.7% | 32.5% |
| 37 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 18 | 0.7% | — |
| 38 | UNION HOME MORTGAGE CORP. | 17 | 0.7% | — |
| 39 | LINKBANK | 15 | 0.6% | — |
| 40 | FIRST COMMUNITY MORTGAGE, INC. | 15 | 0.6% | — |
Top 40 of 198 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