NET
NET received 448 applications in 2025 and made 246 mortgages, in 17 counties across 5 states. The median rate its borrowers got was 7.990% on a median loan of $85,000. Of 347 decisions, 99 were denials — 28.5%, most often for credit history.
| Legal Entity Identifier | 549300FV32ULL0DL8X39 |
|---|---|
| Applications received | 448 |
| Mortgages made | 246 |
| Denied | 99 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 101 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.185 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 29 | 6.750% | $185,000 | 17.1% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 66.7% |
| Other purposes | 204 | 7.990% | $85,000 | 26.4% |
Where NET lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lackawanna County, PA | 191 | 7.990% | 28.8% |
| Luzerne County, PA | 23 | 7.990% | 32.4% |
| Wayne County, PA | 14 | 7.165% | 12.5% |
| Pike County, PA | 6 | Under 10 loans | 14.3% |
| Susquehanna County, PA | 5 | Under 10 loans | 28.6% |
| Wyoming County, PA | 3 | Under 10 loans | 25.0% |
| Clearfield County, PA | 1 | Under 10 loans | 50.0% |
| Monroe County, PA | 1 | Under 10 loans | 50.0% |
| Snyder County, PA | 1 | Under 10 loans | 0.0% |
| York County, PA | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 0 | Under 10 loans | 100.0% |
| Ocean County, NJ | 0 | Under 10 loans | Not published |
| Carbon County, PA | 0 | Under 10 loans | Not published |
| Delaware County, PA | 0 | Under 10 loans | Not published |
| Horry County, SC | 0 | Under 10 loans | Not published |
| Denton County, TX | 0 | Under 10 loans | Not published |
| Grayson County, TX | 0 | Under 10 loans | 100.0% |
Get told when this changes
When NET’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.