Mortgage lenders in Carbon County
1,898 mortgages were made in Carbon County, Pennsylvania, in 2025, by 315 lenders. The median rate their borrowers got was 6.750% on a median loan of $175,000. Of 2,565 decisions, 549 were denials — 21.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 163 | 6.750% | $155,000 | 20.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 102 | 6.850% | $205,000 | 5.6% |
| First Commonwealth Federal Credit Union | 87 | 7.400% | $65,000 | 15.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 73 | 6.625% | $235,000 | 13.5% |
| Mortgage America, Inc. | 65 | 6.500% | $225,000 | 0.0% |
| Mauch Chunk Trust Company | 50 | Not published | $95,000 | 24.2% |
| Jim Thorpe Neighborhood Bank | 50 | Not published | $60,000 | 3.8% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 46 | 6.640% | $75,000 | 20.0% |
| Community Bank, National Association | 41 | 7.000% | $65,000 | 23.2% |
| PNC Bank, National Association | 35 | 6.625% | $105,000 | 31.4% |
| PENNYMAC LOAN SERVICES, LLC | 34 | 6.625% | $175,000 | 18.6% |
| First Northern Bank and Trust Company | 33 | Not published | $135,000 | 12.5% |
| Mortgage Research Center, LLC | 31 | 6.375% | $265,000 | 18.4% |
| CMG MORTGAGE, INC. | 28 | 6.563% | $275,000 | 3.3% |
| Ixonia Bank | 28 | 6.625% | $235,000 | 6.5% |
| MOVEMENT MORTGAGE, LLC | 24 | 6.964% | $260,000 | 9.4% |
| Citizens Bank, National Association | 23 | 7.150% | $105,000 | 46.8% |
| KeyBank National Association | 23 | 6.875% | $115,000 | 39.5% |
| NEWREZ LLC | 22 | 6.750% | $215,000 | 35.3% |
| Truist Bank | 22 | 6.388% | $115,000 | 45.2% |
| Kiavi Funding, Inc. | 22 | 7.125% | $110,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 22 | 6.625% | $245,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 20 | 6.563% | $220,000 | 0.0% |
| Broker Solutions, Inc. | 19 | 6.750% | $185,000 | 13.6% |
| T2 FINANCIAL LLC | 19 | 6.500% | $185,000 | 4.8% |
| FREEDOM MORTGAGE CORPORATION | 18 | 6.313% | $235,000 | 12.0% |
| Navy Federal Credit Union | 18 | 7.700% | $270,000 | 18.2% |
| Wells Fargo Bank, National Association | 18 | 6.438% | $120,000 | 21.7% |
| MEMBERS 1ST | 18 | 3.865% | $85,000 | 35.7% |
| Manufacturers and Traders Trust Company | 17 | 5.990% | $55,000 | 22.7% |
| KEYSTONE FUNDING, INC. | 17 | 6.500% | $215,000 | 0.0% |
| First Keystone Community Bank | 17 | 6.750% | $95,000 | 0.0% |
| Loandepot.Com, LLC | 16 | 6.990% | $110,000 | 32.0% |
| GUARANTEED RATE, INC. | 16 | 7.250% | $390,000 | 10.5% |
| KIND LENDING, LLC | 15 | 6.990% | $215,000 | 11.1% |
| PLANET HOME LENDING, LLC | 14 | 6.688% | $190,000 | 6.7% |
| NATIONSTAR MORTGAGE LLC | 13 | 7.250% | $105,000 | 13.3% |
| Univest Bank and Trust Co. | 11 | 6.625% | $295,000 | 21.4% |
| Peoples Security Bank and Trust Company | 11 | 1.990% | $165,000 | 14.3% |
| UNITED MORTGAGE CORP. | 10 | 6.813% | $185,000 | 0.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 73.5% |
| PEOPLE FIRST FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 52.6% |
| POLICE & FIRE | 9 | Under 10 loans | Under 10 loans | 35.7% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 60.0% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ESSA Bank & Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 61.1% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 40.9% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 46.7% |
| TRUMARK FINANCIAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| The Neffs National Bank | 7 | Under 10 loans | Under 10 loans | 41.7% |
| MORTGAGE ACCESS CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Citizens Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Allentown Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 53.8% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Fidelity Deposit and Discount Bank | 6 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN HERITAGE FCU | 6 | Under 10 loans | Under 10 loans | 33.3% |
| New Tripoli Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 61.1% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Luzerne Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| CONTOUR MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Honesdale National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Generations Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lehigh Valley Educators Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 78.6% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP 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% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 68.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 62.5% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Firstrust Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Embassy Bank For The Lehigh Valley | 2 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| APCI Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Wayne Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS & NORTHERN BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDING CAPITAL GROUP Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHILADELPHIA FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL SYSTEMS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Homesale Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PS Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 60.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 25.0% |
| CITADEL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Diamond Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Visions Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Commonwealth Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | 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 115 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Carbon County
17 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Jim Thorpe Neighborhood Bank | 6 | $241.9 million |
| Mauch Chunk Trust Company | 5 | $444.3 million |
| KeyBank National Association | 2 | $170.5 million |
| Community Bank, National Association | 2 | $73.4 million |
| First Northern Bank and Trust Company | 1 | $187.6 million |
| The Neffs National Bank | 1 | $11.3 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Mauch Chunk Trust Company, 1 Susquehanna Dr, Jim Thorpe
Get told when this changes
When the next year’s lending figures are out for Carbon 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.