Largest lenders in Centre County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First National Bank of Pennsylvania | B | 262 | 154 | 31.3% | 6.49% |
| 2 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 246 | 184 | 10.2% | 6.51% |
| 3 | Kish Bank | B | 237 | 221 | 3.4% | 6.62% |
| 4 | Citizens Bank | C | 232 | 156 | 17.7% | 7.15% |
| 5 | United Shore Financial Services | B | 172 | 151 | 3.5% | 6.42% |
| 6 | Fairway Independent Mortgage | B | 149 | 127 | 3.4% | 6.50% |
| 7 | Northwest Bank | B | 146 | 104 | 15.8% | 6.25% |
| 8 | Rocket Mortgage | C | 143 | 109 | 14.0% | 6.75% |
| 9 | PNC Bank | D | 124 | 74 | 17.7% | 7.21% |
| 10 | Jersey Shore State Bank | A | 124 | 100 | 8.9% | 5.49% |
| 11 | Penn State | A | 102 | 87 | 8.8% | — |
| 12 | Union Home Mortgage | B | 93 | 81 | 2.2% | 6.13% |
| 13 | Reliance Savings Bank | C | 87 | 68 | 10.3% | — |
| 14 | Manufacturers and Traders Trust | C | 85 | 66 | 15.3% | 5.99% |
| 15 | CNB Bank | A | 75 | 63 | 2.7% | 6.38% |
| 16 | Pennymac Loan Services | C | 63 | 47 | 11.1% | 6.50% |
| 17 | First Commonwealth Bank | C | 56 | 32 | 26.8% | 6.06% |
| 18 | Titan Federal Credit Union | – | 52 | 51 | 1.9% | 5.75% |
| 19 | Old Dominion National Bank | A | 50 | 46 | 0.0% | 6.19% |
| 20 | Truist Bank | C | 44 | 23 | 31.8% | 5.74% |
| 21 | Newrez | D | 43 | 22 | 9.3% | 6.93% |
| 22 | Mortgage Research Center | C | 43 | 19 | 20.9% | 6.50% |
| 23 | CMG Mortgage | A | 34 | 23 | 0.0% | 6.63% |
| 24 | Navy Federal Credit Union | D | 33 | 21 | 9.1% | 6.88% |
| 25 | Planet Home Lending | B | 27 | 23 | 14.8% | 6.25% |
Best approval odds in Centre County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Titan Federal Credit Union | 52 | 1.9% |
| 2 | Union Home Mortgage | 84 | 2.4% |
| 3 | CNB Bank | 67 | 3.0% |
| 4 | Kish Bank | 229 | 3.5% |
| 5 | Fairway Independent Mortgage | 132 | 3.8% |
| 6 | United Shore Financial Services | 158 | 3.8% |
| 7 | Penn State | 99 | 9.1% |
| 8 | Jersey Shore State Bank | 115 | 9.6% |
| 9 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 220 | 11.4% |
| 10 | Reliance Savings Bank | 78 | 11.5% |
What Centre County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Centre County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,381 | 2,288 | 16.4% | 6.74% | $165,000 |
| 2024 | 3,247 | 2,260 | 15.2% | 6.77% | $175,000 |
| 2025 | 3,789 | 2,650 | 13.6% | 6.50% | $185,000 |
Frequently asked questions
13.6% of applications in Centre County were denied in 2025, against 18.3% statewide in Pennsylvania.
First National Bank of Pennsylvania, with 262 applications in 2025 and a denial rate of 31.3%.
The median mortgage application in Centre County in 2025 was for $185,000; the median property value on originated loans was $385,000.