Mortgage lenders in Centre County
2,647 mortgages were made in Centre County, Pennsylvania, in 2025, by 234 lenders. The median rate their borrowers got was 6.500% on a median loan of $205,000. Of 3,269 decisions, 517 were denials — 15.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Kish Bank | 221 | 6.624% | $245,000 | 3.5% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 184 | 6.508% | $85,000 | 11.4% |
| Citizens Bank, National Association | 156 | 7.150% | $205,000 | 20.0% |
| First National Bank of Pennsylvania | 154 | 6.490% | $130,000 | 34.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 151 | 6.423% | $325,000 | 3.8% |
| Fairway Independent Mortgage Corporation | 127 | 6.500% | $315,000 | 3.8% |
| Rocket Mortgage, LLC | 109 | 6.750% | $195,000 | 15.2% |
| Northwest Bank | 104 | 6.250% | $105,000 | 18.0% |
| Jersey Shore State Bank | 100 | 5.490% | $160,000 | 9.6% |
| PENN STATE | 87 | Not published | $65,000 | 9.1% |
| UNION HOME MORTGAGE CORP. | 81 | 6.125% | $325,000 | 2.4% |
| PNC Bank, National Association | 74 | 7.210% | $125,000 | 22.2% |
| RELIANCE SAVINGS BANK | 68 | Not published | $145,000 | 11.5% |
| Manufacturers and Traders Trust Company | 66 | 5.990% | $105,000 | 15.7% |
| CNB Bank | 63 | 6.375% | $135,000 | 3.0% |
| TITAN FEDERAL CREDIT UNION | 51 | 5.750% | $55,000 | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | 47 | 6.500% | $275,000 | 12.7% |
| Old Dominion National Bank | 46 | 6.188% | $280,000 | 0.0% |
| First Commonwealth Bank | 30 | 5.990% | $90,000 | 31.3% |
| Truist Bank | 23 | 5.740% | $135,000 | 36.8% |
| PLANET HOME LENDING, LLC | 23 | 6.250% | $245,000 | 14.8% |
| NEWREZ LLC | 22 | 6.933% | $280,000 | 15.4% |
| CMG MORTGAGE, INC. | 22 | 6.558% | $315,000 | 0.0% |
| Navy Federal Credit Union | 21 | 6.875% | $175,000 | 12.5% |
| Mortgage Research Center, LLC | 19 | 6.500% | $305,000 | 32.1% |
| AmeriServ Financial Bank | 17 | Not published | $115,000 | 5.6% |
| KIND LENDING, LLC | 17 | 6.625% | $255,000 | 15.0% |
| Fulton Bank, National Association | 16 | 6.490% | $155,000 | 33.3% |
| The Juniata Valley Bank | 16 | Not published | $205,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 13 | 6.250% | $315,000 | 26.3% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 13 | 6.625% | $205,000 | 0.0% |
| Timberland Federal Credit Union | 12 | Not published | $65,000 | 33.3% |
| Univest Bank and Trust Co. | 12 | 6.750% | $335,000 | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 11 | 6.625% | $215,000 | 11.1% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.250% | $215,000 | 21.4% |
| HORIZON Federal Credit Union | 11 | 7.250% | $55,000 | 15.4% |
| Bank of America, National Association | 10 | 5.933% | $210,000 | 37.5% |
| LOWER, LLC | 10 | 6.990% | $320,000 | 15.4% |
| GUILD MORTGAGE COMPANY | 10 | 6.125% | $310,000 | 0.0% |
| Journey Bank | 10 | 6.750% | $155,000 | 0.0% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 31.3% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Mifflinburg Bank and Trust Company | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 30.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| MICHIGAN MUTUAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS 1ST | 7 | Under 10 loans | Under 10 loans | 36.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOWER Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 11.8% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 64.3% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| CORNING CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 23.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 82.4% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 72.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 14.3% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Farmers and Merchants Trust Company of Chambersburg | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SERVICE 1ST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Susquehanna Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CITIZENS & NORTHERN BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PennCrest Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pennian Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Orrstown Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lebanon Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 40.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 40.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN MINT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTH COUNTRY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Diamond Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Cumberland Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USX Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICHOICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank Central Texas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Colonial Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Homesale Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORIAN FINANCE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| POLICE & FIRE | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 34 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Centre County
43 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First National Bank of Pennsylvania | 9 | $861.7 million |
| PNC Bank, National Association | 5 | $1.1 billion |
| Kish Bank | 4 | $578.1 million |
| Northwest Bank | 4 | $462.2 million |
| Manufacturers and Traders Trust Company | 4 | $321.0 million |
| Citizens Bank, National Association | 3 | $309.2 million |
| CNB Bank | 3 | $119.9 million |
| Truist Bank | 2 | $190.7 million |
| Reliance Savings Bank | 2 | $89.4 million |
| Old Dominion National Bank | 1 | $230.2 million |
| Fulton Bank, National Association | 1 | $125.3 million |
| First Commonwealth Bank | 1 | $71.8 million |
| Central Penn Bank & Trust | 1 | $52.9 million |
| First Citizens Community Bank | 1 | $47.8 million |
| Ameriserv Financial Bank | 1 | $23.2 million |
| JPMorgan Chase Bank, National Association | 1 | $13.3 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Jersey Shore State Bank, 2050 N Atherton St, State College
- Jersey Shore State Bank, 2842 Earlystown Rd, Centre Hall
- Jersey Shore State Bank, 835 E Bishop St, Bellefonte
- Kish Bank, 114 S Allen St, State College
Get told when this changes
When the next year’s lending figures are out for Centre County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.