Home Lending

Whether you’re a first-time home buyer or you want a vacation home to get away, MCT can provide a mortgage loan that’s right for you.

Residential Home Mortgages 

Residential Home Mortgages

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Home Equity Loans

Home Equity Loans

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Home Equity Lines of Credit

Home Equity Lines of Credit

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Local lenders making local decisions.

Whether it’s your first home, upsizing for the family or downsizing after retirement, our home mortgage loans and lenders are here to serve your specific needs.

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Residential Home Mortgage Loans

Monthly mortgages

Whether it’s your first home, a bigger home or refinancing to get a lower rate, MCT's home mortgage loans are here to serve your specific needs.


Biweekly Mortgages

With bi-weekly mortgage payments, you can get out of debt faster than with a traditional mortgage!

Biweekly Payment Calculator

Compare our lending options

ProductUseLoan LimitsTerms Available (years)

First Time Homebuyer

Purchase or

Up to $726,200

Monthly Mortgage:  15, 20, 30

Biweekly Mortgage: 10, 15, 20, 25, 30

Monthly Mortgage

Purchase or

Up to $726,200

15, 20, 30

Bi-Weekly: Money Saver

Can be used for a primary or secondary residence. The Money Saver Mortgage offers the lowest associated costs and fees.


up to $200,000

10, 15, 20, 25, 30

Bi-Weekly: Finish Line Refinance

Can be used for a primary or secondary residence.


$200,001 - $726,200

10, 15, 20, 25, 30

Bi-Weekly: Finish Line Purchase

Can be used for a primary or secondary residence.


Up to $726,200

10, 15, 20, 25, 30

Bi-Weekly: Jumbo

Can be used for both primary or secondary residences. Bi-weekly payments help save money on interest and allow for faster loan payoff. Provides financing above conventional/conforming loan limits

Purchase or Refinance  $726,201 or more  15, 20, 25, 30 

Ready to apply? Let's get started.

Apply NowOpt out of Credit Bureau Marketinguse our mortgage calculatorsLearn more about Pre-QualificationView our current mortgage rates VISIT ANY BRANCH LOCATION

You can also make an appointment with our home mortgage loan experts at our Main Office at 1111 North Street, Jim Thorpe, PA.

Mortgage Pre-Qualification

Getting pre-qualified will help you know approximately how much you can borrow, using financial information that you provide. 

  • No cost
  • No commitment

Submit a Mortgage Pre-Qualification Application today!

Home Equity Loans

Home Equity Loans

A home equity loan allows you to borrow money by using the equity in your home as collateral. A home equity loan from MCT comes with a fixed rate, so always know your monthly payments. Home equity loans give you a simple option for home improvement projects or unexpected expenses.

Take advantage of our great rates and flexible payment terms, including the option to enroll in automatic deductions.

Apply for a Home Equity Loan View Our Current Home Equity Rates


Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit from Mauch Chunk Trust Company lets you access the equity in your home through a revolving line of credit at a variable rate. Simply write a check whenever you need the extra cash over the draw period. There’s no prepayment penalty, no annual fee and no closing costs!*

When it comes to remodeling your home, consolidating debt, or making other major purchases, a Home Equity Line of Credit from MCT is a smart financing option. It offers low fixed rates, plus the flexibility of accessing your line of credit whenever you need it, up to your available credit line.

MCT Advantage: Carve out any amount and convert it to a fixed rate, up to your available line of credit! You’ll always know exactly what your payment is and as you pay off your fixed-rate lock balance, your line of credit funds become available to use again.

Your revolving line of credit has a variable annual percentage rate (APR) indexed to the Wall Street Journal Prime Rate. You can lock in segments of your HELOC loan within your approved credit limit at a fixed rate and term up to five times during the draw period.

Apply online

View our current HELOC rate

*MCT pays all closing costs. If you terminate your account within 36 months of opening it, you will be required to pay an Early Closure Fee consisting of (1) a $200 base fee, plus (2) any closing fees MCT paid on your behalf. APR (Annual Percentage Rate): Will be based on the Wall Street Journal Prime, as published daily. Your APR may vary and rates are subject to change. Maximum APR is 18%. Requirements: Minimum loan amount is $10,000. Only for loans secured by the borrower’s primary or secondary residence (excluding investment properties) in Pennsylvania. Homeowners insurance is required. Subject to credit approval and underwriting standards of Mauch Chunk Trust Company.

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Mortgage Lending Department

Jim Thorpe - Main Office
1111 North Street
Jim Thorpe, PA 18229

Monday - Friday 
9:00 - 4:00

Mauch Chunk Trust Company NMLS #417258
Mortgage Loan Originators’ NMLS Numbers