Largest lenders in Bradford County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens & Northern Bank | C | 252 | 200 | 8.7% | 7.13% |
| 2 | Ixonia Bank | C | 127 | 114 | 1.6% | 6.63% |
| 3 | Rocket Mortgage | C | 102 | 64 | 27.5% | 6.99% |
| 4 | Visions Federal Credit Union | C | 70 | 30 | 30.0% | 6.75% |
| 5 | First Citizens Community Bank | B | 65 | 55 | 9.2% | 7.25% |
| 6 | PS Bank | C | 61 | 39 | 11.5% | — |
| 7 | Manufacturers and Traders Trust | C | 56 | 30 | 41.1% | 5.99% |
| 8 | 21st Mortgage | F | 53 | 10 | 41.5% | 10.08% |
| 9 | Community Bank | D | 51 | 37 | 17.7% | 7.00% |
| 10 | Ingersoll-Rand Federal Credit Union | – | 44 | 37 | 6.8% | — |
| 11 | United Shore Financial Services | B | 41 | 20 | 17.1% | 6.08% |
| 12 | Credit Union Mortgage Association | B | 40 | 36 | 7.5% | 5.94% |
| 13 | Mortgage Research Center | C | 37 | 18 | 21.6% | 6.50% |
| 14 | Freedom Mortgage | B | 30 | 15 | 10.0% | 6.25% |
| 15 | Pennymac Loan Services | C | 29 | 14 | 27.6% | 7.44% |
| 16 | Navy Federal Credit Union | D | 21 | 9 | 14.3% | 7.00% |
| 17 | Corning Credit Union | A | 20 | 13 | 15.0% | 5.89% |
| 18 | AmeriSave Mortgage | D | 19 | 6 | 52.6% | 7.19% |
| 19 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 17 | 12 | 17.7% | 6.41% |
| 20 | Chemung Canal Trust | C | 16 | 14 | 6.3% | 6.50% |
| 21 | First Heritage Federal Credit Union | C | 16 | 9 | 18.8% | 5.88% |
| 22 | Loandepot.Com | D | 15 | 7 | 46.7% | 6.38% |
| 23 | Crosscountry Mortgage | B | 13 | 4 | 15.4% | 6.60% |
| 24 | Broker Solutions | D | 13 | 2 | 23.1% | 7.75% |
| 25 | Coastal Community Bank | C | 11 | 5 | 0.0% | 12.74% |
Best approval odds in Bradford County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Ixonia Bank | 117 | 1.7% |
| 2 | First Citizens Community Bank | 61 | 9.8% |
| 3 | Citizens & Northern Bank | 223 | 9.9% |
| 4 | Rocket Mortgage | 97 | 28.9% |
| 5 | Visions Federal Credit Union | 54 | 38.9% |
| 6 | Manufacturers and Traders Trust | 53 | 43.4% |
What Bradford County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Bradford County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,414 | 852 | 19.9% | 6.88% | $115,000 |
| 2024 | 1,514 | 955 | 19.5% | 6.99% | $125,000 |
| 2025 | 1,545 | 970 | 18.8% | 6.75% | $135,000 |
Frequently asked questions
18.8% of applications in Bradford County were denied in 2025, against 18.3% statewide in Pennsylvania.
Citizens & Northern Bank, with 252 applications in 2025 and a denial rate of 8.7%.
The median mortgage application in Bradford County in 2025 was for $135,000; the median property value on originated loans was $235,000.