Largest lenders in Potter County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens & Northern Bank | C | 64 | 50 | 6.3% | 7.13% |
| 2 | Northwest Bank | B | 63 | 40 | 22.2% | 6.25% |
| 3 | Rocket Mortgage | C | 48 | 30 | 27.1% | 6.88% |
| 4 | The Juniata Valley Bank | C | 21 | 12 | 28.6% | — |
| 5 | First Heritage Federal Credit Union | C | 21 | 18 | 4.8% | 6.43% |
| 6 | United Shore Financial Services | B | 18 | 7 | 5.6% | 6.12% |
| 7 | Mortgage Research Center | C | 14 | 9 | 0.0% | 6.63% |
| 8 | Union Home Mortgage | B | 13 | 11 | 0.0% | 6.94% |
| 9 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 13 | 7 | 23.1% | 6.89% |
| 10 | First Citizens Community Bank | B | 12 | 12 | 0.0% | 7.06% |
| 11 | 21st Mortgage | F | 10 | 1 | 70.0% | 8.81% |
| 12 | Crosscountry Mortgage | B | 10 | 5 | 10.0% | 7.38% |
| 13 | New Day Financial | F | 9 | 3 | 44.4% | 6.74% |
| 14 | Broker Solutions | D | 9 | 5 | 0.0% | 6.75% |
| 15 | Pennymac Loan Services | C | 8 | 2 | 37.5% | 7.87% |
| 16 | Members 1st | B | 8 | 3 | 50.0% | 1.99% |
| 17 | Navy Federal Credit Union | D | 8 | 2 | 25.0% | 8.20% |
| 18 | Community Bank | D | 6 | 4 | 33.3% | 6.99% |
| 19 | PNC Bank | D | 5 | 2 | 20.0% | 7.34% |
| 20 | AmeriSave Mortgage | D | 5 | 1 | 40.0% | 8.88% |
| 21 | The Ephrata National Bank | A | 5 | 3 | 0.0% | 6.63% |
| 22 | Newrez | D | 5 | 2 | 0.0% | 7.19% |
| 23 | Loandepot.Com | D | 5 | 1 | 60.0% | 6.75% |
Best approval odds in Potter County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Citizens & Northern Bank | 56 | 7.1% |
| 2 | Northwest Bank | 54 | 25.9% |
What Potter County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Potter County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 428 | 242 | 23.8% | 6.99% | $95,000 |
| 2024 | 424 | 250 | 23.4% | 7.13% | $105,000 |
| 2025 | 492 | 277 | 20.7% | 6.75% | $105,000 |
Frequently asked questions
20.7% of applications in Potter County were denied in 2025, against 18.3% statewide in Pennsylvania.
Citizens & Northern Bank, with 64 applications in 2025 and a denial rate of 6.3%.
The median mortgage application in Potter County in 2025 was for $105,000; the median property value on originated loans was $225,000.