Pennsylvania · HMDA 2025
Mortgage lenders in Potter County, PA
97 lenders reported 522 home-loan applications in Potter County in 2025. 277 closed as loans ($37.3M), 102 were denied — a 25.7% denial rate on decided applications, above the Pennsylvania rate of 22.0%. The three most active lenders handled 34% of applications, led by CITIZENS & NORTHERN BANK. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 522
- Loans originated
- 277
- Purchase / refinance
- 129 / 67
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Potter County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CITIZENS & NORTHERN BANK 53 out of 100, Below average | 64 | 12.3% | 12.5% |
| 2 | Northwest Bank 66 out of 100, Moderate | 63 | 12.1% | 20.6% |
| 3 | Rocket Mortgage, LLC | 50 | 9.6% | — |
| 4 | FIRST HERITAGE FEDERAL CREDIT UNION 72 out of 100, Strong | 21 | 4.0% | 24.0% |
| 5 | The Juniata Valley Bank 70 out of 100, Strong | 21 | 4.0% | 17.5% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 18 | 3.4% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 14 | 2.7% | — |
| 8 | Mortgage Research Center, LLC | 14 | 2.7% | — |
| 9 | PENNSYLVANIA STATE EMPLOYEES Credit Union 80 out of 100, Strong | 13 | 2.5% | 15.6% |
| 10 | UNION HOME MORTGAGE CORP. | 13 | 2.5% | — |
| 11 | First Citizens Community Bank 52 out of 100, Below average | 12 | 2.3% | 7.8% |
| 12 | 21st Mortgage Corporation | 10 | 1.9% | — |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 10 | 1.9% | — |
| 14 | Broker Solutions, Inc. | 9 | 1.7% | — |
| 15 | FIGURE LENDING LLC | 9 | 1.7% | — |
| 16 | NEW DAY FINANCIAL, LLC | 9 | 1.7% | — |
| 17 | Navy Federal Credit Union 66 out of 100, Moderate | 8 | 1.5% | 32.9% |
| 18 | NEWREZ LLC | 8 | 1.5% | — |
| 19 | MEMBERS 1ST | 8 | 1.5% | — |
| 20 | Community Bank, National Association 62 out of 100, Moderate | 6 | 1.1% | 18.9% |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 1.0% | 14.1% |
| 22 | Loandepot.Com, LLC | 5 | 1.0% | — |
| 23 | AmeriSave Mortgage Corporation | 5 | 1.0% | — |
| 24 | PNC Bank, National Association 62 out of 100, Moderate | 5 | 1.0% | 33.8% |
| 25 | The Ephrata National Bank 67 out of 100, Moderate | 5 | 1.0% | 18.6% |
| 26 | Truist Bank 63 out of 100, Moderate | 4 | 0.8% | 40.8% |
| 27 | Horizon Farm Credit, ACA | 4 | 0.8% | — |
| 28 | ROYAL UNITED MORTGAGE LLC | 4 | 0.8% | — |
| 29 | GUARANTEED RATE, INC. | 3 | 0.6% | — |
| 30 | SPRING EQ, LLC | 3 | 0.6% | — |
| 31 | Logan Finance Corporation | 3 | 0.6% | — |
| 32 | Lendage, LLC | 3 | 0.6% | — |
| 33 | SOFI BANK, NATIONAL ASSOCIATION | 3 | 0.6% | — |
| 34 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.6% | — |
| 35 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 3 | 0.6% | 32.9% |
| 36 | Coastal Community Bank 35 out of 100, Low | 3 | 0.6% | 3.0% |
| 37 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.4% | 32.5% |
| 38 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.4% | 22.2% |
| 39 | Discover Bank | 2 | 0.4% | — |
| 40 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.4% | 44.7% |
Top 40 of 97 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