Largest lenders in Carbon County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 228 | 163 | 18.9% | 6.75% |
| 2 | Crosscountry Mortgage | B | 138 | 102 | 4.4% | 6.85% |
| 3 | First Commonwealth Federal Credit Union | D | 116 | 87 | 14.7% | 7.40% |
| 4 | United Shore Financial Services | B | 98 | 73 | 12.2% | 6.63% |
| 5 | Mauch Chunk Trust | D | 73 | 50 | 21.9% | — |
| 6 | Mortgage America | A | 72 | 65 | 0.0% | 6.50% |
| 7 | Community Bank | D | 70 | 41 | 18.6% | 7.00% |
| 8 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 69 | 46 | 17.4% | 6.64% |
| 9 | Newrez | D | 62 | 22 | 19.4% | 6.75% |
| 10 | Pennymac Loan Services | C | 60 | 34 | 13.3% | 6.63% |
| 11 | Citizens Bank | C | 60 | 23 | 36.7% | 7.15% |
| 12 | PNC Bank | D | 57 | 35 | 28.1% | 6.63% |
| 13 | Mortgage Research Center | C | 57 | 31 | 12.3% | 6.44% |
| 14 | Jim Thorpe Neighborhood Bank | – | 54 | 50 | 3.7% | — |
| 15 | Broker Solutions | D | 46 | 19 | 6.5% | 6.75% |
| 16 | Truist Bank | C | 45 | 22 | 42.2% | 6.39% |
| 17 | First Northern Bank and Trust | C | 44 | 33 | 11.4% | — |
| 18 | KeyBank | C | 43 | 23 | 34.9% | 6.88% |
| 19 | Freedom Mortgage | B | 42 | 18 | 7.1% | 6.31% |
| 20 | Kiavi Funding | D | 39 | 22 | 0.0% | 7.13% |
| 21 | AmeriSave Mortgage | D | 37 | 9 | 67.6% | 7.38% |
| 22 | Movement Mortgage | A | 37 | 24 | 8.1% | 6.96% |
| 23 | Navy Federal Credit Union | D | 36 | 18 | 11.1% | 7.70% |
| 24 | CMG Mortgage | A | 35 | 28 | 2.9% | 6.56% |
| 25 | Ixonia Bank | C | 34 | 28 | 5.9% | 6.63% |
Best approval odds in Carbon County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mortgage America | 65 | 0.0% |
| 2 | Jim Thorpe Neighborhood Bank | 53 | 3.8% |
| 3 | Crosscountry Mortgage | 108 | 5.6% |
| 4 | United Shore Financial Services | 89 | 13.5% |
| 5 | First Commonwealth Federal Credit Union | 110 | 15.5% |
| 6 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 60 | 20.0% |
| 7 | Rocket Mortgage | 211 | 20.4% |
| 8 | Community Bank | 56 | 23.2% |
| 9 | Mauch Chunk Trust | 66 | 24.2% |
| 10 | PNC Bank | 51 | 31.4% |
What Carbon County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Carbon County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,689 | 1,566 | 19.6% | 6.99% | $145,000 |
| 2024 | 2,948 | 1,762 | 19.6% | 6.99% | $145,000 |
| 2025 | 3,161 | 1,898 | 17.4% | 6.75% | $165,000 |
Frequently asked questions
17.4% of applications in Carbon County were denied in 2025, against 18.3% statewide in Pennsylvania.
Rocket Mortgage, with 228 applications in 2025 and a denial rate of 18.9%.
The median mortgage application in Carbon County in 2025 was for $165,000; the median property value on originated loans was $285,000.