Mortgage lenders in Cumberland County
6,526 mortgages were made in Cumberland County, Pennsylvania, in 2025, by 359 lenders. The median rate their borrowers got was 6.500% on a median loan of $205,000. Of 8,500 decisions, 1,657 were denials — 19.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MEMBERS 1ST | 1,144 | 1.990% | $85,000 | 28.4% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 406 | 6.640% | $95,000 | 11.4% |
| Rocket Mortgage, LLC | 355 | 6.500% | $235,000 | 17.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 294 | 6.375% | $305,000 | 10.7% |
| PENNYMAC LOAN SERVICES, LLC | 237 | 6.375% | $285,000 | 11.0% |
| First National Bank of Pennsylvania | 222 | 6.383% | $275,000 | 15.9% |
| Orrstown Bank | 174 | 5.990% | $205,000 | 23.1% |
| Citizens Bank, National Association | 150 | 7.650% | $155,000 | 23.1% |
| Broker Solutions, Inc. | 144 | 6.625% | $290,000 | 5.8% |
| Fairway Independent Mortgage Corporation | 133 | 6.625% | $265,000 | 2.2% |
| GUILD MORTGAGE COMPANY | 130 | 6.625% | $240,000 | 4.4% |
| Manufacturers and Traders Trust Company | 125 | 5.990% | $125,000 | 22.4% |
| BELCO COMMUNITY CREDIT UNION | 122 | 6.490% | $65,000 | 21.6% |
| PNC Bank, National Association | 114 | 7.540% | $115,000 | 20.1% |
| Farmers and Merchants Trust Company of Chambersburg | 104 | 6.375% | $255,000 | 13.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 99 | 6.625% | $265,000 | 4.7% |
| Fulton Bank, National Association | 92 | 6.500% | $200,000 | 18.6% |
| Navy Federal Credit Union | 87 | 6.875% | $195,000 | 19.3% |
| MOVEMENT MORTGAGE, LLC | 78 | 6.531% | $315,000 | 3.5% |
| 549300A6NF3MQMOHKJ20 | 62 | 6.500% | $265,000 | 8.8% |
| Mid Penn Bank | 61 | 6.950% | $225,000 | 11.1% |
| Loandepot.Com, LLC | 58 | 6.625% | $265,000 | 15.5% |
| GUARANTEED RATE AFFINITY, LLC | 58 | 6.750% | $280,000 | 1.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 57 | 6.625% | $245,000 | 0.0% |
| Mortgage Research Center, LLC | 53 | 6.250% | $325,000 | 27.0% |
| S&T Bank | 53 | 6.490% | $155,000 | 38.4% |
| NEWREZ LLC | 52 | 6.875% | $200,000 | 26.0% |
| FREEDOM MORTGAGE CORPORATION | 52 | 6.250% | $255,000 | 21.8% |
| ACNB Bank | 51 | 7.240% | $205,000 | 8.9% |
| CMG MORTGAGE, INC. | 49 | 6.750% | $275,000 | 8.9% |
| AMERICHOICE Federal Credit Union | 47 | 6.490% | $75,000 | 5.9% |
| MDE HOME LOANS, LLC | 43 | 6.625% | $645,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 40 | 6.500% | $275,000 | 13.0% |
| NATIONSTAR MORTGAGE LLC | 38 | 8.500% | $90,000 | 15.2% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 38 | 6.562% | $250,000 | 0.0% |
| Wells Fargo Bank, National Association | 37 | 6.500% | $205,000 | 17.8% |
| Truist Bank | 36 | 6.375% | $145,000 | 20.0% |
| The Bank of Landisburg | 33 | Not published | $175,000 | 5.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 33 | 6.625% | $245,000 | 5.7% |
| NATIONS DIRECT MORTGAGE, LLC | 33 | 6.615% | $205,000 | 0.0% |
| EMM LOANS LLC | 32 | 6.625% | $245,000 | 0.0% |
| NVR Mortgage Finance, Inc. | 31 | 6.990% | $525,000 | 3.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 30 | 6.625% | $255,000 | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 28 | 6.688% | $300,000 | 3.5% |
| TRIAD FINANCIAL SERVICES, INC. | 27 | 8.680% | $75,000 | 18.8% |
| JPMorgan Chase Bank, National Association | 27 | 6.490% | $335,000 | 6.9% |
| LINKBANK | 27 | Not published | $255,000 | 9.7% |
| NYMEO FEDERAL CREDIT UNION | 26 | 6.375% | $185,000 | 0.0% |
| PATRIOT | 25 | 4.990% | $65,000 | 34.2% |
| GUARANTEED RATE, INC. | 24 | 6.625% | $260,000 | 4.0% |
| Lendage, LLC | 24 | 10.938% | $70,000 | 7.1% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 23 | 6.578% | $285,000 | 0.0% |
| Homesale Mortgage, LLC | 23 | 6.625% | $245,000 | 4.2% |
| AmeriSave Mortgage Corporation | 22 | 8.500% | $70,000 | 65.7% |
| FIGURE LENDING LLC | 22 | 10.675% | $65,000 | 27.9% |
| New Cumberland Federal Credit Union | 22 | 6.740% | $65,000 | 31.3% |
| First Commonwealth Bank | 21 | 6.125% | $225,000 | 15.4% |
| Bank of America, National Association | 19 | 6.000% | $105,000 | 38.7% |
| Coastal Community Bank | 18 | 10.365% | $50,000 | 1.9% |
| SPRING EQ, LLC | 18 | 8.925% | $70,000 | 51.3% |
| FIRST COLONY MORTGAGE CORPORATION | 15 | 6.625% | $325,000 | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 15 | 6.750% | $225,000 | 0.0% |
| 21st Mortgage Corporation | 14 | 11.885% | $70,000 | 76.3% |
| Filo Mortgage, L.L.C. | 14 | 6.500% | $325,000 | 5.9% |
| Univest Bank and Trust Co. | 14 | 6.788% | $375,000 | 12.5% |
| KEYSTONE FUNDING, INC. | 14 | 6.625% | $280,000 | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 14 | 6.000% | $330,000 | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 14 | 6.495% | $250,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.250% | $245,000 | 54.3% |
| THE LOAN STORE, INC. | 13 | 6.625% | $125,000 | 18.8% |
| USAA Federal Savings Bank | 12 | 6.125% | $355,000 | 53.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 5.750% | $240,000 | 29.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 6.625% | $115,000 | 52.0% |
| U.S. Bank National Association | 11 | 7.550% | $135,000 | 45.0% |
| Discover Bank | 10 | 8.105% | $85,000 | 79.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 7.250% | $170,000 | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.188% | $305,000 | 16.7% |
| Kiavi Funding, Inc. | 10 | 10.850% | $205,000 | 16.7% |
| Northwest Bank | 10 | 6.000% | $190,000 | 9.1% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 6.875% | $265,000 | 0.0% |
| Pennian Bank | 10 | Not published | $245,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 9 | Under 10 loans | Under 10 loans | 35.7% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 37.5% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| The Huntington National Bank | 8 | Under 10 loans | Under 10 loans | 18.2% |
| NFM, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Horizon Farm Credit, ACA | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MERIDIAN BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 52.9% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Integrity Home Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage America, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 81.8% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Ephrata National Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| MEMBER FIRST MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Lebanon Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 33.3% |
| UIF CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hershey Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Nations Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Middletown Valley Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| POLICE & FIRE | 3 | Under 10 loans | Under 10 loans | 57.1% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OceanFirst Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 64.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 27.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHILADELPHIA FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITADEL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Presence Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Juniata Valley Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| InFirst Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS & NORTHERN BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVICE 1ST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 159 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cumberland County
60 FDIC-insured branches from 20 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Manufacturers and Traders Trust Company | 10 | $1.5 billion |
| Farmers and Merchants Trust Company of Chambersburg | 8 | $442.1 million |
| Orrstown Bank | 5 | $1.1 billion |
| First National Bank of Pennsylvania | 4 | $678.3 million |
| Mid Penn Bank | 4 | $514.7 million |
| Santander Bank, N.A. | 4 | $372.7 million |
| PNC Bank, National Association | 3 | $4.0 billion |
| Wells Fargo Bank, National Association | 3 | $406.7 million |
| Woodforest National Bank | 3 | $8.1 million |
| Citizens Bank, National Association | 2 | $303.5 million |
| S&T Bank | 2 | $286.1 million |
| First Commonwealth Bank | 2 | $207.3 million |
| Truist Bank | 2 | $111.8 million |
| JPMorgan Chase Bank, National Association | 2 | $44.5 million |
| Atlantic Community Bankers Bank | 1 | $566.2 million |
| Fulton Bank, National Association | 1 | $341.3 million |
| Burke & Herbert Bank & Trust Company | 1 | $180.3 million |
| ACNB Bank | 1 | $66.9 million |
| Pennian Bank | 1 | $55.2 million |
| Univest Bank and Trust Co. | 1 | $18.6 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Fulton Bank, National Association, 6520 Carlisle Pike, Mechanicsburg
- LINKBANK, 3045 Market St, Camp Hill
- Manufacturers and Traders Trust Company, 1 W High St, Carlisle
- PNC Bank, National Association, 331 Bridge St, New Cumberland
Get told when this changes
When the next year’s lending figures are out for Cumberland 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.