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Bedford County, Pennsylvania · 2025

Mortgage lenders in Bedford County, PA: denial rates and top lenders (2025)

159 lenders acted on 1,613 mortgage applications for properties in Bedford County in 2025. 20.2% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.50%; median loan $95,000; median property value $225,000.

1.6kApplications
20.2%Denial ratestate 18.3%
6.50%Median ratestate 6.63%
$95,000Median loan
$225,000Median property value

Largest lenders in Bedford County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Hometown Bank of Pennsylvania C 179131 15.6%—
2 First Commonwealth Bank C 157101 22.9%6.50%
3 First National Bank of Pennsylvania B 10357 26.2%6.50%
4 Somerset Trust A 9173 11.0%5.99%
5 Rocket Mortgage C 8352 24.1%6.50%
6 Manufacturers and Traders Trust C 6442 26.6%5.99%
7 Emm Loans B 5955 0.0%6.25%
8 PENNSYLVANIA STATE EMPLOYEES Credit Union C 5032 22.0%6.75%
9 Altoona First Savings Bank A 4943 4.1%—
10 Community State Bank of Orbisonia C 3828 23.7%6.70%
11 Truist Bank C 3314 42.4%6.42%
12 Dollar Bank, Federal Savings Bank C 3122 16.1%6.88%
13 AmeriSave Mortgage D 283 78.6%7.00%
14 Citizens Bank C 2717 25.9%7.65%
15 Mortgage Research Center C 2717 14.8%6.25%
16 Loandepot.Com D 2611 50.0%7.13%
17 Broker Solutions D 228 18.2%7.25%
18 Pennymac Loan Services C 188 11.1%6.50%
19 United Shore Financial Services B 1711 11.8%6.00%
20 Union Home Mortgage B 1610 12.5%6.25%
21 Freedom Mortgage B 167 18.8%6.25%
22 First Peoples Community Federal Credit Union B 1611 18.8%6.49%
23 Coastal Community Bank C 156 0.0%9.12%
24 21st Mortgage F 144 50.0%9.96%
25 Reliance Savings Bank C 1411 0.0%—

Best approval odds in Bedford County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Emm Loans580.0%
2Somerset Trust8312.1%
3Hometown Bank of Pennsylvania17615.9%
4First Commonwealth Bank14425.0%
5Rocket Mortgage7526.7%
6Manufacturers and Traders Trust6227.4%
7First National Bank of Pennsylvania8631.4%

What Bedford County borrowers applied for

By loan purpose

Home purchase 493 31% · 11.4% denied
Refinance 306 19% · 16.3% denied
Cash-out refinance 217 13% · 27.7% denied
Home improvement 326 20% · 22.4% denied
Other / HELOC 271 17% · 32.1% denied

By loan type

Conventional 1,319 82% · 21.2% denied
FHA 196 12% · 19.4% denied
VA 83 5% · 9.6% denied
USDA / RHS 15 1% · 0.0% denied

Why applications were denied

Credit history 95 32%
Collateral 70 24%
Debt-to-income ratio 56 19%
Incomplete application 34 12%
Other 24 8%
Unverifiable information 10 3%
Insufficient cash 5 2%
Employment history 1 0%

Bedford County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,43889622.3%6.63%$75,000
20241,29180723.1%6.75%$105,000
20251,6131,00320.2%6.50%$95,000

Frequently asked questions

20.2% of applications in Bedford County were denied in 2025, against 18.3% statewide in Pennsylvania.

Hometown Bank of Pennsylvania, with 179 applications in 2025 and a denial rate of 15.6%.

The median mortgage application in Bedford County in 2025 was for $95,000; the median property value on originated loans was $225,000.