Mortgage Lenders and Brokers in Central City, Pennsylvania
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Central City, Pennsylvania mortgage lenders include Ameriserv Financial BankAmeriserv Financial Bank104 Sunshine Ave, Central City, PA 15926A+5.0 ★Texas Ratio: 5.69%, Somerset Trust CompanySomerset Trust Company8796 Lincoln Hwy, Bedford, PA 15522A5.0 ★Texas Ratio: 12.17%, First Commonwealth BankFirst Commonwealth Bank2724 Harts Run Rd, Allison Park, PA 15101A5.0 ★Texas Ratio: 10.25%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union113 Research Dr, Bethlehem, PA 18015 4731A+5.0 ★Texas Ratio: 4.23%, First National Bank of PAFirst National Bank of PA2719 Brodhead Rd, Aliquippa, PA 15001A+5.0 ★Texas Ratio: 1.62%, Slovenian Savings & Loan Association of Franklin-ConemaughSlovenian Savings & Loan Association of Franklin-Conemaugh361 1st St, Conemaugh, PA 15909, Ussco Federal Credit UnionUssco Federal Credit Union2613 Ligonier St, Latrobe, PA 15650A+5.0 ★Texas Ratio: 1.56%, M&T BankM&T Bank7540 Windsor Drive Suite 203, Allentown, PA 18195A+5.0 ★Texas Ratio: 4.11%, PNC Bank N.A.PNC Bank N.A.2676 Brodhead Rd, Aliquippa, PA 15001A+5.0 ★Texas Ratio: 4.24%, and S&T BankS&T Bank1100 Logan Blvd, Altoona, PA 16602A+5.0 ★Texas Ratio: 2.93%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Central City, Pennsylvania in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Central City are listed first, then lenders elsewhere in Pennsylvania, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Central City, Pennsylvania
Market share is the lender's share of all home loans closed in Central City, Pennsylvania. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Central City 104 Sunshine Ave, Central City, PA 15926 A+5.0 ★Texas Ratio: 5.69% |
Conventional | 7 | 11.3% | 70% | $85,000 | View |
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8796 Lincoln Hwy, Bedford, PA 15522 A5.0 ★Texas Ratio: 12.17% |
Conventional, USDA | 17 | 27.4% | 81% | $76,764 | View |
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2724 Harts Run Rd, Allison Park, PA 15101 A5.0 ★Texas Ratio: 10.25% |
Conventional, FHA, HELOC | 12 +3 HELOCs |
19.4% | 63.2% | $75,000 | View |
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113 Research Dr, Bethlehem, PA 18015 4731 A+5.0 ★Texas Ratio: 4.23% |
Conventional | 3 | 4.8% | 100% | $38,333 | View |
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2719 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 2 +1 HELOCs |
3.2% | 66.7% | $85,000 | View |
Slovenian Savings & Loan Association of Franklin-Conemaugh
361 1st St, Conemaugh, PA 15909 |
Conventional | 2 | 3.2% | 100% | $70,000 | |
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2613 Ligonier St, Latrobe, PA 15650 A+5.0 ★Texas Ratio: 1.56% |
Conventional | 1 | 1.6% | 100% | $45,000 | View |
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7540 Windsor Drive Suite 203, Allentown, PA 18195 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 2676 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1100 Logan Blvd, Altoona, PA 16602 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Newrez LLC
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Conventional | 1 | 1.6% | 100% | $125,000 | |
Primelending
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Conventional, FHA | 5 | 8.1% | 100% | $81,000 | |
Rocket Mortgage
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Conventional, FHA | 2 | 3.2% | 50% | $65,000 | |
Amerisave Mortgage Company
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FHA | 2 | 3.2% | 50% | $95,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.6% | 100% | $65,000 | |
PHH Mortgage Corporation
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FHA | 1 | 1.6% | 100% | $295,000 | |
United Trust Bank
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Conventional | 1 | 1.6% | 100% | $65,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 1.6% | 100% | $105,000 | |
Mortgage Research Center
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VA | 1 | 1.6% | 100% | $75,000 | |
Keystone Funding, Inc
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VA | 1 | 1.6% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.50% |
Conventional | 1 | 1.6% | 100% | $325,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 1.6% | 100% | $165,000 |
Central City Mortgage Rate Trends
Daily average mortgage rates for Pennsylvania compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Central City, Pennsylvania
Looking for mortgage lenders near me or mortgage brokers near me in Central City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Central City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Central City, PA
Use these to narrow the list above. Each category shows how many Central City, PA lenders fit and what that kind of lender is usually best for.
Who Lends in Central City, PA
Independent mortgage companies closed 16.1 percent of home loans in Central City, Pennsylvania in 2025, banks 75.8 percent and credit unions 8.1 percent. Newrez LLC was the largest mortgage company, Ameriserv Financial Bank the largest bank and Pennsylvania State Employees Credit Union the largest credit union. Among lenders headquartered in Pennsylvania, Ameriserv Financial Bank led with 7 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Pennsylvania. State realty transfer tax of 1 percent plus a local tax that is usually another 1 percent (Philadelphia 3.278 percent local, Pittsburgh 4 percent local), for a typical combined 2 percent customarily split between buyer and seller; no mortgage recording tax.
More Pennsylvania Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Central City, PA
By home loans closed in 2025, Ameriserv Financial Bank was the largest mortgage lender in Central City, Pennsylvania with 7 loans, about 11.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Central City, Pennsylvania in 2025, led by Primelending with 2. 3 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 11 banks and 3 credit unions closed home loans in Central City, Pennsylvania in 2025, alongside 8 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Central City, Pennsylvania during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Central City, Pennsylvania for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Central City. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
