Home purchase lenders in Cumberland County
2,980 home purchase mortgages were made in Cumberland County, Pennsylvania, in 2025, by 276 lenders. The median rate their borrowers got was 6.589% on a median loan of $275,000. Of 3,435 decisions, 339 were denials — 9.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| PENNYMAC LOAN SERVICES, LLC | 173 | 6.375% | $285,000 | 8.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 147 | 6.560% | $285,000 | 2.0% |
| Rocket Mortgage, LLC | 124 | 6.500% | $295,000 | 10.6% |
| MEMBERS 1ST | 122 | 6.750% | $225,000 | 26.5% |
| Broker Solutions, Inc. | 122 | 6.625% | $295,000 | 2.4% |
| First National Bank of Pennsylvania | 122 | 6.375% | $425,000 | 3.9% |
| GUILD MORTGAGE COMPANY | 121 | 6.625% | $235,000 | 3.2% |
| Fairway Independent Mortgage Corporation | 118 | 6.625% | $265,000 | 2.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 88 | 6.750% | $270,000 | 3.3% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 77 | 6.375% | $275,000 | 1.3% |
| MOVEMENT MORTGAGE, LLC | 74 | 6.562% | $315,000 | 2.4% |
| Fulton Bank, National Association | 73 | 6.625% | $225,000 | 9.9% |
| Farmers and Merchants Trust Company of Chambersburg | 63 | 6.500% | $285,000 | 3.0% |
| Orrstown Bank | 58 | 6.625% | $260,000 | 9.4% |
| 549300A6NF3MQMOHKJ20 | 56 | 6.500% | $255,000 | 8.2% |
| GUARANTEED RATE AFFINITY, LLC | 56 | 6.763% | $280,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 46 | 6.625% | $255,000 | 0.0% |
| CMG MORTGAGE, INC. | 45 | 6.625% | $285,000 | 4.1% |
| Mortgage Research Center, LLC | 43 | 6.250% | $315,000 | 8.3% |
| Mid Penn Bank | 42 | 6.875% | $225,000 | 2.3% |
| Navy Federal Credit Union | 40 | 6.250% | $340,000 | 4.8% |
| MDE HOME LOANS, LLC | 36 | 6.688% | $650,000 | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 33 | 6.500% | $275,000 | 0.0% |
| Manufacturers and Traders Trust Company | 33 | 6.125% | $255,000 | 5.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 32 | 6.688% | $240,000 | 5.9% |
| UNION HOME MORTGAGE CORP. | 31 | 6.500% | $295,000 | 11.4% |
| NVR Mortgage Finance, Inc. | 31 | 6.990% | $525,000 | 3.1% |
| EMM LOANS LLC | 31 | 6.625% | $245,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 30 | 6.625% | $200,000 | 0.0% |
| ACNB Bank | 28 | 6.875% | $240,000 | 3.5% |
| TIDEWATER MORTGAGE SERVICES, INC. | 28 | 6.688% | $300,000 | 3.5% |
| TRIAD FINANCIAL SERVICES, INC. | 27 | 8.680% | $75,000 | 18.8% |
| Loandepot.Com, LLC | 27 | 6.575% | $255,000 | 10.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 25 | 6.625% | $245,000 | 0.0% |
| PNC Bank, National Association | 24 | 6.375% | $255,000 | 14.3% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 23 | 6.578% | $285,000 | 0.0% |
| Homesale Mortgage, LLC | 23 | 6.625% | $245,000 | 4.2% |
| Wells Fargo Bank, National Association | 22 | 6.313% | $240,000 | 8.3% |
| NEWREZ LLC | 22 | 6.933% | $225,000 | 4.2% |
| LINKBANK | 20 | Not published | $250,000 | 4.6% |
| JPMorgan Chase Bank, National Association | 19 | 6.375% | $335,000 | 5.0% |
| GUARANTEED RATE, INC. | 17 | 6.500% | $295,000 | 5.6% |
| S&T Bank | 16 | 6.550% | $285,000 | 5.9% |
| The Bank of Landisburg | 15 | Not published | $195,000 | 0.0% |
| Citizens Bank, National Association | 14 | 7.325% | $320,000 | 27.3% |
| Univest Bank and Trust Co. | 14 | 6.788% | $375,000 | 0.0% |
| 21st Mortgage Corporation | 13 | 12.030% | $75,000 | 76.4% |
| DIRECT MORTGAGE LOANS, LLC | 13 | 6.750% | $225,000 | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 13 | 6.500% | $245,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 12 | 6.625% | $320,000 | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 12 | 6.000% | $330,000 | 0.0% |
| USAA Federal Savings Bank | 11 | 6.125% | $345,000 | 45.0% |
| First Commonwealth Bank | 11 | 6.500% | $255,000 | 7.7% |
| KEYSTONE FUNDING, INC. | 11 | 6.625% | $275,000 | 0.0% |
| Truist Bank | 10 | 6.483% | $245,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| V.I.P. MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NFM, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Pennian Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MERIDIAN BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 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% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage America, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| UIF CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICHOICE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESICENTRAL, 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% |
| Horizon Farm Credit, ACA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Middletown Valley Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Ephrata National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 64.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PATRIOT | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 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% |
| 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% |
| 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% |
| 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% |
| POLICE & FIRE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hershey Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kish Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Presence Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BELCO COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community State Bank of Orbisonia | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Grant County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, 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% |
| Bank of Clarke | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLE FIRST FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Journey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 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 76 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.