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Cumberland County, Pennsylvania · 2025

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

347 lenders acted on 10,042 mortgage applications for properties in Cumberland County in 2025. 16.5% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.50%; median loan $185,000; median property value $355,000.

10kApplications
16.5%Denial ratestate 18.3%
6.50%Median ratestate 6.63%
$185,000Median loan
$355,000Median property value

Largest lenders in Cumberland County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Members 1st B 1,8111,144 25.7%1.99%
2 PENNSYLVANIA STATE EMPLOYEES Credit Union C 546406 10.1%6.64%
3 Rocket Mortgage C 487355 16.6%6.50%
4 United Shore Financial Services B 374294 9.6%6.38%
5 Pennymac Loan Services C 337237 8.9%6.38%
6 First National Bank of Pennsylvania B 282222 14.9%6.38%
7 Orrstown Bank A 239174 22.2%5.99%
8 Broker Solutions D 228144 4.0%6.63%
9 Citizens Bank C 220150 20.9%7.65%
10 PNC Bank D 188114 15.4%7.54%
11 Belco Community Credit Union D 178122 21.4%6.49%
12 Manufacturers and Traders Trust C 171125 21.6%5.99%
13 Fairway Independent Mortgage B 158133 1.9%6.63%
14 Guild Mortgage A 155130 3.9%6.63%
15 Navy Federal Credit Union D 14987 14.1%6.88%
16 Farmers and Merchants Trust Company of Chambersburg C 139104 11.5%6.38%
17 Fulton Bank C 13392 15.8%6.50%
18 Crosscountry Mortgage B 13299 3.8%6.63%
19 Newrez D 12552 15.2%6.88%
20 Mortgage Research Center C 12453 16.1%6.25%
21 Freedom Mortgage B 12352 13.8%6.25%
22 21st Mortgage F 9614 46.9%11.89%
23 Movement Mortgage A 9478 3.2%6.56%
24 S&T Bank B 9053 36.7%6.49%
25 Loandepot.Com D 9058 12.2%6.63%

Best approval odds in Cumberland County

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

#LenderDecidedDecision denial rate
1First Community Mortgage610.0%
2Guaranteed Rate Affinity601.7%
3Coastal Community Bank521.9%
4Fairway Independent Mortgage1372.2%
5Movement Mortgage873.5%
6Guild Mortgage1384.4%
7Crosscountry Mortgage1064.7%
8Broker Solutions1545.8%
9AMERICHOICE Federal Credit Union515.9%
10Foote Capital Mortgage688.8%

What Cumberland County borrowers applied for

By loan purpose

Home purchase 3,974 40% · 8.5% denied
Refinance 1,964 20% · 16.5% denied
Cash-out refinance 1,129 11% · 21.8% denied
Home improvement 1,545 15% · 23.2% denied
Other / HELOC 1,430 14% · 27.3% denied

By loan type

Conventional 8,531 85% · 16.8% denied
FHA 803 8% · 16.1% denied
VA 681 7% · 13.4% denied
USDA / RHS 27 0% · 7.4% denied

Why applications were denied

Debt-to-income ratio 568 34%
Credit history 413 25%
Collateral 226 14%
Other 149 9%
Incomplete application 140 8%
Unverifiable information 123 7%
Insufficient cash 18 1%
Employment history 13 1%
Mortgage insurance denied 1 0%

Cumberland County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,8655,54919.3%6.63%$155,000
20249,5646,03119.3%6.63%$155,000
202510,0426,52616.5%6.50%$185,000

Frequently asked questions

16.5% of applications in Cumberland County were denied in 2025, against 18.3% statewide in Pennsylvania.

Members 1st, with 1,811 applications in 2025 and a denial rate of 25.7%.

The median mortgage application in Cumberland County in 2025 was for $185,000; the median property value on originated loans was $355,000.