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Lebanon County, Pennsylvania · 2025

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

254 lenders acted on 4,877 mortgage applications for properties in Lebanon County in 2025. 16.7% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.50%; median loan $165,000; median property value $315,000.

4.9kApplications
16.7%Denial ratestate 18.3%
6.50%Median ratestate 6.63%
$165,000Median loan
$315,000Median property value

Largest lenders in Lebanon County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Members 1st B 428227 36.0%1.99%
2 Crosscountry Mortgage B 373306 2.4%6.63%
3 Lebanon Federal Credit Union B 265206 14.3%—
4 PENNSYLVANIA STATE EMPLOYEES Credit Union C 252206 4.8%6.50%
5 Rocket Mortgage C 246173 21.5%6.75%
6 Fulton Bank C 244181 14.8%6.49%
7 First National Bank of Pennsylvania B 160101 23.1%6.14%
8 Pennymac Loan Services C 14174 20.6%6.25%
9 United Shore Financial Services B 12288 7.4%6.12%
10 Guild Mortgage A 11699 4.3%6.50%
11 The Ephrata National Bank A 10887 10.2%6.50%
12 Northwest Bank B 10677 15.1%6.00%
13 21st Mortgage F 9424 36.2%11.35%
14 Newrez D 8443 14.3%6.75%
15 Mortgage Research Center C 7938 17.7%6.38%
16 Manufacturers and Traders Trust C 7860 20.5%5.99%
17 Freedom Mortgage B 7638 9.2%6.25%
18 Jonestown Bank and Trust Company of Jonestown Pennsylvania B 7263 5.6%—
19 Broker Solutions D 6936 13.0%6.63%
20 Triad Financial Services D 5915 25.4%8.95%
21 Belco Community Credit Union D 5440 11.1%7.50%
22 Wells Fargo Bank B 5130 15.7%6.25%
23 Navy Federal Credit Union D 5030 16.0%6.25%
24 Fairway Independent Mortgage B 4536 8.9%6.75%
25 Coastal Community Bank C 4411 0.0%10.49%

Best approval odds in Lebanon County

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

#LenderDecidedDecision denial rate
1Crosscountry Mortgage3222.8%
2Guild Mortgage1094.6%
3PENNSYLVANIA STATE EMPLOYEES Credit Union2295.2%
4Jonestown Bank and Trust Company of Jonestown Pennsylvania715.6%
5United Shore Financial Services1038.7%
6The Ephrata National Bank10310.7%
7Belco Community Credit Union5411.1%
8Lebanon Federal Credit Union24915.3%
9Fulton Bank22016.4%
10Northwest Bank9716.5%

What Lebanon County borrowers applied for

By loan purpose

Home purchase 1,933 40% · 8.3% denied
Refinance 860 18% · 17.8% denied
Cash-out refinance 728 15% · 22.3% denied
Home improvement 688 14% · 22.4% denied
Other / HELOC 668 14% · 27.5% denied

By loan type

Conventional 3,853 79% · 17.4% denied
FHA 621 13% · 16.3% denied
VA 391 8% · 11.0% denied
USDA / RHS 12 0% · 8.3% denied

Why applications were denied

Debt-to-income ratio 241 31%
Credit history 215 28%
Collateral 111 14%
Incomplete application 86 11%
Other 52 7%
Unverifiable information 47 6%
Insufficient cash 10 1%
Employment history 6 1%

Lebanon County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,3842,79419.4%6.63%$125,000
20244,6462,96918.0%6.75%$155,000
20254,8773,14916.7%6.50%$165,000

Frequently asked questions

16.7% of applications in Lebanon County were denied in 2025, against 18.3% statewide in Pennsylvania.

Members 1st, with 428 applications in 2025 and a denial rate of 36.0%.

The median mortgage application in Lebanon County in 2025 was for $165,000; the median property value on originated loans was $315,000.