Home purchase lenders in Centre County
1,231 home purchase mortgages were made in Centre County, Pennsylvania, in 2025, by 172 lenders. The median rate their borrowers got was 6.500% on a median loan of $295,000. Of 1,388 decisions, 122 were denials — 8.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Kish Bank | 144 | 6.250% | $315,000 | 1.4% |
| Fairway Independent Mortgage Corporation | 120 | 6.500% | $310,000 | 3.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 107 | 6.555% | $315,000 | 4.4% |
| UNION HOME MORTGAGE CORP. | 78 | 6.125% | $320,000 | 2.5% |
| Citizens Bank, National Association | 52 | 6.375% | $300,000 | 18.5% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 44 | 6.188% | $285,000 | 4.3% |
| Rocket Mortgage, LLC | 43 | 6.500% | $245,000 | 12.0% |
| Old Dominion National Bank | 42 | 6.188% | $295,000 | 0.0% |
| Jersey Shore State Bank | 33 | 5.875% | $205,000 | 12.5% |
| First National Bank of Pennsylvania | 29 | 6.500% | $265,000 | 9.4% |
| CNB Bank | 27 | 6.375% | $170,000 | 3.5% |
| PENNYMAC LOAN SERVICES, LLC | 26 | 6.500% | $290,000 | 10.3% |
| RELIANCE SAVINGS BANK | 25 | Not published | $285,000 | 0.0% |
| CMG MORTGAGE, INC. | 21 | 6.490% | $315,000 | 0.0% |
| Northwest Bank | 18 | 6.500% | $205,000 | 18.2% |
| NEWREZ LLC | 18 | 6.875% | $290,000 | 0.0% |
| PLANET HOME LENDING, LLC | 17 | 6.500% | $225,000 | 10.5% |
| PNC Bank, National Association | 16 | 6.563% | $265,000 | 5.9% |
| KIND LENDING, LLC | 16 | 6.563% | $270,000 | 15.8% |
| Mortgage Research Center, LLC | 13 | 6.500% | $305,000 | 13.3% |
| JPMorgan Chase Bank, National Association | 11 | 6.375% | $315,000 | 26.7% |
| Univest Bank and Trust Co. | 11 | 6.625% | $345,000 | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 11 | 6.625% | $205,000 | 0.0% |
| The Juniata Valley Bank | 11 | Not published | $225,000 | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 7.1% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriServ Financial Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Journey Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mifflinburg Bank and Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 23.1% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Horizon Farm Credit, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENN STATE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Trust Company of Chambersburg | 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% |
| MEMBERS 1ST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pennian Bank | 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% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS 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% |
| 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% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CITIZENS & NORTHERN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTH COUNTRY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HORIZON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Commonwealth Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 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% |
| 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% |
| PennCrest Bank | 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% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lebanon Federal Credit Union | 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% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 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% |
| 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% |
| 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% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Workers Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Columbia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TIDEWATER MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LIBERTY HOME MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| QNB Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOMERSET TRUST COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Abbott Laboratories Employees Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| V.I.P. MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Ballston Spa National Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| CITADEL FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| InFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 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.
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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. 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.