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Dauphin County, Pennsylvania · 2025

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

366 lenders acted on 10,762 mortgage applications for properties in Dauphin County in 2025. 19.0% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.63%; median loan $155,000; median property value $285,000.

11kApplications
19.0%Denial ratestate 18.3%
6.63%Median ratestate 6.63%
$155,000Median loan
$285,000Median property value

Largest lenders in Dauphin County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Members 1st B 1,383809 31.3%1.99%
2 PENNSYLVANIA STATE EMPLOYEES Credit Union C 909650 12.3%6.50%
3 Rocket Mortgage C 521390 15.2%6.75%
4 United Shore Financial Services B 348257 10.1%6.62%
5 First National Bank of Pennsylvania B 285171 30.2%6.49%
6 Pennymac Loan Services C 282181 9.9%6.25%
7 Crosscountry Mortgage B 277195 4.7%6.75%
8 Fulton Bank C 272174 22.8%6.49%
9 Citizens Bank C 267157 24.3%7.90%
10 Manufacturers and Traders Trust C 203119 33.0%5.99%
11 Guild Mortgage A 203176 2.0%6.56%
12 Belco Community Credit Union D 198114 28.8%7.50%
13 Mid Penn Bank C 192120 22.9%7.25%
14 PNC Bank D 186106 26.9%6.81%
15 Broker Solutions D 18285 9.9%6.88%
16 Truist Bank C 15995 25.8%6.74%
17 Mortgage Research Center C 15879 19.0%6.38%
18 Fairway Independent Mortgage B 156134 3.9%6.75%
19 Newrez D 15351 21.6%6.88%
20 Loandepot.Com D 14785 18.4%6.63%
21 Navy Federal Credit Union D 12968 17.8%6.38%
22 Freedom Mortgage B 12648 15.1%6.25%
23 AmeriSave Mortgage D 10734 62.6%8.63%
24 CMG Mortgage A 10482 3.9%6.63%
25 Coastal Community Bank C 9722 1.0%10.24%

Best approval odds in Dauphin County

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

#LenderDecidedDecision denial rate
1Nymeo Federal Credit Union530.0%
2Coastal Community Bank731.4%
3Movement Mortgage661.5%
4First Alliance Home Mortgage641.6%
5Guild Mortgage1862.2%
6Bank of Bird-in-Hand513.9%
7CMG Mortgage944.3%
8Fairway Independent Mortgage1414.3%
9Crosscountry Mortgage2106.2%
10Nationstar Mortgage729.7%

What Dauphin County borrowers applied for

By loan purpose

Home purchase 4,140 38% · 9.8% denied
Refinance 1,961 18% · 17.8% denied
Cash-out refinance 1,535 14% · 22.2% denied
Home improvement 1,603 15% · 29.7% denied
Other / HELOC 1,523 14% · 31.3% denied

By loan type

Conventional 8,783 82% · 19.6% denied
FHA 1,219 11% · 18.1% denied
VA 723 7% · 14.4% denied
USDA / RHS 37 0% · 8.1% denied

Why applications were denied

Debt-to-income ratio 642 31%
Credit history 598 29%
Collateral 261 13%
Other 203 10%
Incomplete application 178 9%
Unverifiable information 113 6%
Insufficient cash 27 1%
Employment history 19 1%

Dauphin County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20239,5825,51323.0%6.75%$125,000
202410,2376,15421.6%6.75%$135,000
202510,7626,55519.0%6.63%$155,000

Frequently asked questions

19.0% of applications in Dauphin County were denied in 2025, against 18.3% statewide in Pennsylvania.

Members 1st, with 1,383 applications in 2025 and a denial rate of 31.3%.

The median mortgage application in Dauphin County in 2025 was for $155,000; the median property value on originated loans was $285,000.