Largest lenders in Union County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Service 1st | A | 121 | 111 | 5.8% | 7.50% |
| 2 | Mifflinburg Bank and Trust | A | 78 | 73 | 1.3% | — |
| 3 | Rocket Mortgage | C | 69 | 49 | 21.7% | 6.75% |
| 4 | First National Bank of Pennsylvania | B | 54 | 37 | 18.5% | 6.49% |
| 5 | Manufacturers and Traders Trust | C | 48 | 36 | 20.8% | 5.99% |
| 6 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 44 | 34 | 13.6% | 6.69% |
| 7 | Susquehanna Community Bank | A | 31 | 27 | 0.0% | — |
| 8 | Fulton Bank | C | 29 | 22 | 10.3% | 6.49% |
| 9 | Jersey Shore State Bank | A | 26 | 23 | 11.5% | 5.49% |
| 10 | Journey Bank | A | 26 | 23 | 0.0% | 6.75% |
| 11 | MC Federal Credit Union | C | 26 | 19 | 15.4% | — |
| 12 | First Commonwealth Bank | C | 22 | 17 | 9.1% | 5.99% |
| 13 | Citizens & Northern Bank | C | 19 | 12 | 15.8% | 7.13% |
| 14 | United Shore Financial Services | B | 18 | 10 | 5.6% | 6.81% |
| 15 | Union Home Mortgage | B | 15 | 14 | 0.0% | 6.88% |
| 16 | Members 1st | B | 12 | 4 | 25.0% | 3.87% |
| 17 | Primelending, a Plainscapital | A | 12 | 9 | 0.0% | 6.50% |
| 18 | Pennymac Loan Services | C | 11 | 7 | 18.2% | 5.88% |
| 19 | Triad Financial Services | D | 11 | 3 | 36.4% | 8.87% |
| 20 | Broker Solutions | D | 10 | 5 | 10.0% | 7.25% |
| 21 | Navy Federal Credit Union | D | 10 | 6 | 10.0% | 8.10% |
| 22 | Coastal Community Bank | C | 10 | 5 | 0.0% | 11.74% |
| 23 | Northwest Bank | B | 9 | 6 | 33.3% | 7.00% |
| 24 | Truist Bank | C | 9 | 5 | 11.1% | 6.49% |
| 25 | AmeriSave Mortgage | D | 9 | 1 | 66.7% | 7.63% |
Best approval odds in Union County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mifflinburg Bank and Trust | 77 | 1.3% |
| 2 | Service 1st | 118 | 5.9% |
| 3 | Rocket Mortgage | 64 | 23.4% |
What Union County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Union County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 844 | 553 | 16.0% | 6.74% | $145,000 |
| 2024 | 839 | 584 | 15.6% | 7.13% | $135,000 |
| 2025 | 995 | 702 | 12.7% | 6.75% | $155,000 |
Frequently asked questions
12.7% of applications in Union County were denied in 2025, against 18.3% statewide in Pennsylvania.
Service 1st, with 121 applications in 2025 and a denial rate of 5.8%.
The median mortgage application in Union County in 2025 was for $155,000; the median property value on originated loans was $305,000.