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Schuylkill County, Pennsylvania · 2025

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

302 lenders acted on 4,627 mortgage applications for properties in Schuylkill County in 2025. 21.7% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.63%; median loan $115,000; median property value $215,000.

4.6kApplications
21.7%Denial ratestate 18.3%
6.63%Median ratestate 6.63%
$115,000Median loan
$215,000Median property value

Largest lenders in Schuylkill County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 366236 26.0%6.75%
2 PENNSYLVANIA STATE EMPLOYEES Credit Union C 255177 18.0%6.77%
3 Manufacturers and Traders Trust C 234132 33.3%5.99%
4 Crosscountry Mortgage B 196128 6.1%6.75%
5 Mortgage America A 196146 3.1%6.63%
6 United Shore Financial Services B 14585 14.5%6.62%
7 Mid Penn Bank C 12069 30.8%7.00%
8 Mortgage Research Center C 11152 17.1%6.56%
9 Broker Solutions D 10344 12.6%6.75%
10 Members 1st B 10251 39.2%1.99%
11 AmeriSave Mortgage D 8814 71.6%7.06%
12 Fulton Bank C 8447 28.6%6.49%
13 Pennymac Loan Services C 8349 15.7%6.25%
14 Coastal Community Bank C 7919 0.0%10.49%
15 Citizens Bank C 7124 53.5%8.90%
16 Truist Bank C 6836 30.9%6.56%
17 Newrez D 6726 19.4%6.75%
18 Loandepot.Com D 6128 34.4%6.50%
19 Freedom Mortgage B 6023 13.3%6.25%
20 Tompkins Community Bank B 5742 22.8%3.25%
21 Figure Lending C 5518 38.2%9.35%
22 CMG Mortgage A 5441 9.3%6.50%
23 First National Bank of Pennsylvania B 5331 35.9%6.74%
24 Homesale Mortgage B 5147 0.0%6.88%
25 PNC Bank D 5019 42.0%7.15%

Best approval odds in Schuylkill County

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

#LenderDecidedDecision denial rate
1Coastal Community Bank620.0%
2Mortgage America1524.0%
3Crosscountry Mortgage1438.4%
4United Shore Financial Services11118.9%
5PENNSYLVANIA STATE EMPLOYEES Credit Union22820.2%
6Pennymac Loan Services6420.3%
7Tompkins Community Bank5722.8%
8Broker Solutions5722.8%
9Mortgage Research Center7126.8%
10Rocket Mortgage33728.2%

What Schuylkill County borrowers applied for

By loan purpose

Home purchase 1,827 39% · 10.8% denied
Refinance 646 14% · 20.6% denied
Cash-out refinance 852 18% · 27.6% denied
Home improvement 591 13% · 34.5% denied
Other / HELOC 711 15% · 33.2% denied

By loan type

Conventional 3,343 72% · 23.3% denied
FHA 898 19% · 17.8% denied
VA 336 7% · 17.3% denied
USDA / RHS 50 1% · 20.0% denied

Why applications were denied

Credit history 320 32%
Collateral 206 21%
Debt-to-income ratio 200 20%
Incomplete application 113 11%
Other 77 8%
Unverifiable information 40 4%
Insufficient cash 27 3%
Employment history 9 1%

Schuylkill County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,8022,17022.3%6.99%$105,000
20244,2622,46222.0%6.93%$105,000
20254,6272,62421.7%6.63%$115,000

Frequently asked questions

21.7% of applications in Schuylkill County were denied in 2025, against 18.3% statewide in Pennsylvania.

Rocket Mortgage, with 366 applications in 2025 and a denial rate of 26.0%.

The median mortgage application in Schuylkill County in 2025 was for $115,000; the median property value on originated loans was $215,000.