Mortgage lenders in Northumberland County
1,463 mortgages were made in Northumberland County, Pennsylvania, in 2025, by 200 lenders. The median rate their borrowers got was 6.750% on a median loan of $105,000. Of 1,965 decisions, 464 were denials — 23.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| SERVICE 1ST | 199 | 7.500% | $55,000 | 6.9% |
| Rocket Mortgage, LLC | 107 | 6.875% | $115,000 | 25.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 96 | 6.715% | $65,000 | 19.7% |
| Manufacturers and Traders Trust Company | 75 | 5.990% | $65,000 | 35.0% |
| Journey Bank | 73 | 6.500% | $105,000 | 2.7% |
| First National Bank of Pennsylvania | 62 | 6.745% | $95,000 | 38.0% |
| Fulton Bank, National Association | 58 | 6.313% | $100,000 | 30.6% |
| MC Federal Credit Union | 50 | Not published | $55,000 | 12.1% |
| Susquehanna Community Bank | 39 | Not published | $165,000 | 2.5% |
| Mifflinburg Bank and Trust Company | 39 | Not published | $145,000 | 0.0% |
| Jersey Shore State Bank | 33 | 5.495% | $115,000 | 10.8% |
| UNB Bank | 31 | Not published | $105,000 | 8.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 30 | 6.229% | $185,000 | 25.6% |
| Truist Bank | 24 | 7.000% | $80,000 | 46.7% |
| Mortgage Research Center, LLC | 23 | 6.250% | $225,000 | 36.8% |
| Mortgage America, Inc. | 22 | 6.625% | $165,000 | 4.4% |
| PENNYMAC LOAN SERVICES, LLC | 21 | 6.500% | $165,000 | 25.0% |
| MEMBERS 1ST | 20 | 6.558% | $60,000 | 44.4% |
| First Commonwealth Bank | 18 | 5.990% | $55,000 | 33.3% |
| FIRST HERITAGE FINANCIAL, LLC | 16 | 6.375% | $145,000 | 15.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 6.250% | $185,000 | 5.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 6.750% | $95,000 | 19.1% |
| ALLIED MORTGAGE GROUP, INC. | 15 | 6.125% | $165,000 | 11.8% |
| Broker Solutions, Inc. | 14 | 7.250% | $90,000 | 30.0% |
| CITIZENS & NORTHERN BANK | 14 | 6.500% | $145,000 | 6.7% |
| UNION HOME MORTGAGE CORP. | 14 | 6.813% | $260,000 | 6.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 13 | 6.125% | $205,000 | 13.3% |
| Bank of Bird-in-Hand | 13 | Not published | $145,000 | 0.0% |
| Loandepot.Com, LLC | 12 | 6.870% | $160,000 | 35.0% |
| LINKBANK | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Waterstone Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Northwest Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| FIGURE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 53.3% |
| Horizon Farm Credit, ACA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 30.0% |
| Mid Penn Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 57.1% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| MICHIGAN MUTUAL, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| UNITED MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RADIUS FINANCIAL GROUP INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PALCO FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 78.6% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 81.3% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 70.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Ephrata National Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Univest Bank and Trust Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Keystone Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NYMEO FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Luzerne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hershey Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Homesale Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PHILADELPHIA FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firstrust Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Diamond Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Landisburg | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Northern Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIVERFRONT FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELCO COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Juniata Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kish Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 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% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HomePromise Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| Nations Lending Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 0 | Under 10 loans | Under 10 loans | Not published |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Wilmington Savings Fund Society, FSB | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Orrstown Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Farmers and Merchants Trust Company of Chambersburg | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| JMAC LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Fairway Consumer Discount Company | 0 | Under 10 loans | Under 10 loans | Not published |
| Union Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ResMac, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE FCU | 0 | Under 10 loans | Under 10 loans | Not published |
| Peoples Security Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Ballston Spa National Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Visions Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HORIZON Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| FOUNDATION MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Pennian Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Grand Bank for Savings, FSB | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 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.
Bank branches in Northumberland County
24 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Central Penn Bank & Trust | 4 | $286.3 million |
| Manufacturers and Traders Trust Company | 4 | $221.8 million |
| First National Bank of Pennsylvania | 3 | $170.6 million |
| Truist Bank | 2 | $212.1 million |
| Journey Bank | 2 | $124.4 million |
| Citizens & Northern Bank | 2 | $92.9 million |
| The Turbotville National Bank | 1 | $202.0 million |
| UNB Bank | 1 | $134.8 million |
| Milton Savings Bank | 1 | $71.0 million |
| Fulton Bank, National Association | 1 | $67.2 million |
| Burke & Herbert Bank & Trust Company | 1 | $62.9 million |
| First Commonwealth Bank | 1 | $42.3 million |
| Woodforest National Bank | 1 | $4.8 million |
Closed since the 2025 survey
6 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- LINKBANK, 4231 State Route 147, Herndon
- Susquehanna Community Bank, 1025 Main St, Watsontown
- Susquehanna Community Bank, 397 Point Township Dr, Northumberland
- The Northumberland National Bank, 135 Queen St, Northumberland
- The Northumberland National Bank, 245 Front St, Northumberland
- The Northumberland National Bank, 403 N 4th St, Sunbury
Get told when this changes
When the next year’s lending figures are out for Northumberland 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.