Largest lenders in Northumberland County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Service 1st | A | 220 | 199 | 6.8% | 7.50% |
| 2 | Rocket Mortgage | C | 154 | 107 | 23.4% | 6.88% |
| 3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 131 | 96 | 18.3% | 6.72% |
| 4 | Manufacturers and Traders Trust | C | 121 | 75 | 33.9% | 5.99% |
| 5 | First National Bank of Pennsylvania | B | 111 | 62 | 34.2% | 6.75% |
| 6 | Fulton Bank | C | 95 | 58 | 27.4% | 6.38% |
| 7 | Journey Bank | A | 80 | 73 | 2.5% | 6.50% |
| 8 | MC Federal Credit Union | C | 64 | 50 | 10.9% | — |
| 9 | United Shore Financial Services | B | 55 | 30 | 20.0% | 6.23% |
| 10 | Truist Bank | C | 53 | 24 | 39.6% | 7.00% |
| 11 | Mortgage Research Center | C | 52 | 23 | 26.9% | 6.25% |
| 12 | Broker Solutions | D | 45 | 14 | 13.3% | 7.25% |
| 13 | Susquehanna Community Bank | A | 43 | 39 | 2.3% | — |
| 14 | Pennymac Loan Services | C | 39 | 21 | 18.0% | 6.50% |
| 15 | Members 1st | B | 39 | 20 | 41.0% | 6.56% |
| 16 | Mifflinburg Bank and Trust | A | 39 | 39 | 0.0% | — |
| 17 | UNB Bank | – | 37 | 31 | 8.1% | — |
| 18 | Jersey Shore State Bank | A | 37 | 33 | 10.8% | 5.50% |
| 19 | First Commonwealth Bank | C | 30 | 18 | 30.0% | 5.99% |
| 20 | Crosscountry Mortgage | B | 29 | 15 | 13.8% | 6.75% |
| 21 | Loandepot.Com | D | 26 | 12 | 26.9% | 6.87% |
| 22 | Mortgage America | A | 26 | 22 | 3.9% | 6.63% |
| 23 | New Day Financial | F | 25 | 3 | 44.0% | 6.88% |
| 24 | Newrez | D | 25 | 7 | 24.0% | 6.75% |
| 25 | Navy Federal Credit Union | D | 22 | 7 | 36.4% | 8.38% |
Best approval odds in Northumberland County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Journey Bank | 75 | 2.7% |
| 2 | Service 1st | 217 | 6.9% |
| 3 | MC Federal Credit Union | 58 | 12.1% |
| 4 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 122 | 19.7% |
| 5 | Rocket Mortgage | 144 | 25.0% |
| 6 | Fulton Bank | 85 | 30.6% |
| 7 | Manufacturers and Traders Trust | 117 | 35.0% |
| 8 | First National Bank of Pennsylvania | 100 | 38.0% |
What Northumberland County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Northumberland County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,085 | 1,271 | 21.7% | 6.75% | $85,000 |
| 2024 | 2,179 | 1,411 | 18.8% | 6.99% | $95,000 |
| 2025 | 2,298 | 1,463 | 20.2% | 6.75% | $105,000 |
Frequently asked questions
20.2% of applications in Northumberland County were denied in 2025, against 18.3% statewide in Pennsylvania.
Service 1st, with 220 applications in 2025 and a denial rate of 6.8%.
The median mortgage application in Northumberland County in 2025 was for $105,000; the median property value on originated loans was $205,000.