Pennsylvania · HMDA 2025
Mortgage lenders in Tioga County, PA
153 lenders reported 1,274 home-loan applications in Tioga County in 2025. 735 closed as loans ($111.1M), 225 were denied — a 22.6% denial rate on decided applications, close to the Pennsylvania rate of 22.0%. The three most active lenders handled 36% of applications, led by CITIZENS & NORTHERN BANK. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,274
- Loans originated
- 735
- Purchase / refinance
- 301 / 209
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Tioga County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CITIZENS & NORTHERN BANK 53 out of 100, Below average | 236 | 18.5% | 12.5% |
| 2 | FIRST HERITAGE FEDERAL CREDIT UNION 72 out of 100, Strong | 148 | 11.6% | 24.0% |
| 3 | Rocket Mortgage, LLC | 69 | 5.4% | — |
| 4 | CORNING CREDIT UNION | 63 | 4.9% | — |
| 5 | First Citizens Community Bank 52 out of 100, Below average | 61 | 4.8% | 7.8% |
| 6 | Northwest Bank 66 out of 100, Moderate | 48 | 3.8% | 20.6% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 44 | 3.5% | — |
| 8 | Mortgage Research Center, LLC | 43 | 3.4% | — |
| 9 | PENNSYLVANIA STATE EMPLOYEES Credit Union 80 out of 100, Strong | 37 | 2.9% | 15.6% |
| 10 | EVERETT FINANCIAL, INC. | 23 | 1.8% | — |
| 11 | NEWREZ LLC | 19 | 1.5% | — |
| 12 | Broker Solutions, Inc. | 17 | 1.3% | — |
| 13 | Navy Federal Credit Union 66 out of 100, Moderate | 15 | 1.2% | 32.9% |
| 14 | 21st Mortgage Corporation | 15 | 1.2% | — |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 1.1% | — |
| 16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 1.0% | — |
| 17 | PLANET HOME LENDING, LLC | 13 | 1.0% | — |
| 18 | Community Bank, National Association 62 out of 100, Moderate | 13 | 1.0% | 18.9% |
| 19 | TIDEWATER MORTGAGE SERVICES, INC. | 11 | 0.9% | — |
| 20 | SERVU FEDERAL CREDIT UNION 86 out of 100, Very strong | 11 | 0.9% | 12.8% |
| 21 | FREEDOM MORTGAGE CORPORATION | 11 | 0.9% | — |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 0.8% | 14.1% |
| 23 | Loandepot.Com, LLC | 10 | 0.8% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 9 | 0.7% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 9 | 0.7% | — |
| 26 | AmeriSave Mortgage Corporation | 8 | 0.6% | — |
| 27 | FIGURE LENDING LLC | 8 | 0.6% | — |
| 28 | SOFI BANK, NATIONAL ASSOCIATION | 8 | 0.6% | — |
| 29 | UNION HOME MORTGAGE CORP. | 8 | 0.6% | — |
| 30 | Coastal Community Bank 35 out of 100, Low | 8 | 0.6% | 3.0% |
| 31 | Bank of America, National Association 59 out of 100, Moderate | 7 | 0.5% | 44.7% |
| 32 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 0.5% | 39.5% |
| 33 | SWBC MORTGAGE CORPORATION | 7 | 0.5% | — |
| 34 | MEMBERS 1ST | 7 | 0.5% | — |
| 35 | MICHIGAN MUTUAL, INC. | 7 | 0.5% | — |
| 36 | VILLAGE CAPITAL & INVESTMENT LLC | 7 | 0.5% | — |
| 37 | GUARANTEED RATE, INC. | 6 | 0.5% | — |
| 38 | Mortgage America, Inc. | 6 | 0.5% | — |
| 39 | Equity Prime Mortgage LLC | 6 | 0.5% | — |
| 40 | Jersey Shore State Bank | 6 | 0.5% | — |
Top 40 of 153 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