Largest lenders in Huntingdon County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Community State Bank of Orbisonia | C | 177 | 133 | 13.0% | 6.70% |
| 2 | Kish Bank | B | 159 | 123 | 14.5% | 7.13% |
| 3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 91 | 63 | 17.6% | 6.64% |
| 4 | First National Bank of Pennsylvania | B | 73 | 36 | 37.0% | 6.77% |
| 5 | Rocket Mortgage | C | 73 | 48 | 27.4% | 6.63% |
| 6 | Farmers and Merchants Trust Company of Chambersburg | C | 53 | 24 | 47.2% | 5.81% |
| 7 | Mortgage Research Center | C | 29 | 14 | 24.1% | 6.44% |
| 8 | Navy Federal Credit Union | D | 20 | 9 | 25.0% | 8.25% |
| 9 | Citizens Bank | C | 17 | 12 | 17.7% | 7.78% |
| 10 | AmeriSave Mortgage | D | 17 | 6 | 58.8% | 7.38% |
| 11 | Equity Prime Mortgage | D | 16 | 11 | 0.0% | 6.25% |
| 12 | Mid Penn Bank | C | 14 | 10 | 14.3% | 7.50% |
| 13 | Northwest Bank | B | 13 | 10 | 0.0% | 5.94% |
| 14 | First Community Mortgage | A | 13 | 12 | 7.7% | 6.75% |
| 15 | United Shore Financial Services | B | 13 | 9 | 15.4% | 6.10% |
| 16 | Loandepot.Com | D | 13 | 7 | 30.8% | 7.25% |
| 17 | Members 1st | B | 12 | 4 | 50.0% | 4.37% |
| 18 | Broker Solutions | D | 12 | 3 | 8.3% | 7.00% |
| 19 | Coastal Community Bank | C | 12 | 4 | 0.0% | 12.24% |
| 20 | Manufacturers and Traders Trust | C | 11 | 6 | 36.4% | 6.43% |
| 21 | First Commonwealth Bank | C | 11 | 9 | 0.0% | 5.99% |
| 22 | Freedom Mortgage | B | 10 | 2 | 30.0% | 7.00% |
| 23 | Truist Bank | C | 9 | 6 | 33.3% | 6.67% |
| 24 | Reliance Savings Bank | C | 9 | 7 | 11.1% | — |
| 25 | Flagstar Bank | C | 8 | 1 | 87.5% | 6.25% |
Best approval odds in Huntingdon County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Community State Bank of Orbisonia | 161 | 14.3% |
| 2 | Kish Bank | 146 | 15.8% |
| 3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 81 | 19.8% |
| 4 | Rocket Mortgage | 70 | 28.6% |
| 5 | First National Bank of Pennsylvania | 64 | 42.2% |
| 6 | Farmers and Merchants Trust Company of Chambersburg | 51 | 49.0% |
What Huntingdon County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Huntingdon County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,053 | 655 | 21.7% | 6.75% | $85,000 |
| 2024 | 1,149 | 728 | 20.2% | 6.75% | $95,000 |
| 2025 | 1,186 | 740 | 20.8% | 6.75% | $105,000 |
Frequently asked questions
20.8% of applications in Huntingdon County were denied in 2025, against 18.3% statewide in Pennsylvania.
Community State Bank of Orbisonia, with 177 applications in 2025 and a denial rate of 13.0%.
The median mortgage application in Huntingdon County in 2025 was for $105,000; the median property value on originated loans was $245,000.