Mortgage lenders in Chester County
13,202 mortgages were made in Chester County, Pennsylvania, in 2025, by 488 lenders. The median rate their borrowers got was 6.562% on a median loan of $305,000. Of 16,874 decisions, 3,031 were denials — 18.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CITADEL FEDERAL CREDIT UNION | 1,096 | 3.990% | $115,000 | 22.0% |
| Citizens Bank, National Association | 805 | 7.400% | $205,000 | 25.6% |
| Rocket Mortgage, LLC | 618 | 6.625% | $290,000 | 15.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 565 | 6.125% | $445,000 | 8.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 546 | 6.750% | $405,000 | 2.1% |
| PNC Bank, National Association | 419 | 7.440% | $145,000 | 20.3% |
| Wilmington Savings Fund Society, FSB | 333 | 7.250% | $305,000 | 13.3% |
| GUARANTEED RATE, INC. | 313 | 6.550% | $425,000 | 3.3% |
| TRUMARK FINANCIAL CREDIT UNION | 302 | 6.740% | $185,000 | 24.3% |
| TD Bank, National Association | 282 | 7.290% | $300,000 | 17.0% |
| PENNYMAC LOAN SERVICES, LLC | 279 | 6.624% | $385,000 | 9.8% |
| NVR Mortgage Finance, Inc. | 257 | 6.500% | $505,000 | 8.9% |
| CMG MORTGAGE, INC. | 226 | 6.500% | $405,000 | 2.5% |
| Prosperity Home Mortgage, LLC | 224 | 6.563% | $430,000 | 5.0% |
| Bank of America, National Association | 221 | 5.990% | $235,000 | 26.0% |
| FRANKLIN MINT | 211 | 4.990% | $125,000 | 21.1% |
| S&T Bank | 204 | 3.990% | $205,000 | 34.5% |
| Truist Bank | 191 | 6.340% | $155,000 | 40.7% |
| POLICE & FIRE | 187 | 6.240% | $145,000 | 25.7% |
| KEYSTONE FUNDING, INC. | 183 | 6.500% | $415,000 | 1.8% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 162 | 6.740% | $105,000 | 13.0% |
| GUILD MORTGAGE COMPANY | 155 | 6.625% | $375,000 | 2.9% |
| Fulton Bank, National Association | 143 | 6.490% | $255,000 | 20.4% |
| JPMorgan Chase Bank, National Association | 135 | 6.000% | $545,000 | 5.5% |
| LENNAR MORTGAGE, LLC | 135 | 4.875% | $405,000 | 2.9% |
| MOVEMENT MORTGAGE, LLC | 121 | 6.625% | $425,000 | 1.6% |
| Wells Fargo Bank, National Association | 115 | 6.250% | $355,000 | 8.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 99 | 6.500% | $555,000 | 8.9% |
| Navy Federal Credit Union | 97 | 7.750% | $175,000 | 26.9% |
| Broker Solutions, Inc. | 95 | 6.750% | $425,000 | 9.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 92 | 6.375% | $480,000 | 3.2% |
| Univest Bank and Trust Co. | 89 | 6.875% | $285,000 | 8.2% |
| NEWREZ LLC | 86 | 6.625% | $315,000 | 33.3% |
| Loandepot.Com, LLC | 85 | 6.625% | $315,000 | 26.5% |
| NATIONSTAR MORTGAGE LLC | 80 | 7.125% | $230,000 | 14.4% |
| MERIDIAN BANK | 80 | 6.933% | $315,000 | 1.2% |
| Sun East Federal Credit Union | 79 | 4.990% | $105,000 | 23.3% |
| Filo Mortgage, L.L.C. | 74 | 6.500% | $365,000 | 2.6% |
| AMERICAN HERITAGE FCU | 73 | 6.500% | $145,000 | 28.8% |
| NATIONS DIRECT MORTGAGE, LLC | 72 | 6.500% | $425,000 | 1.4% |
| Manufacturers and Traders Trust Company | 71 | 5.990% | $255,000 | 27.6% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 67 | 6.624% | $395,000 | 4.3% |
| First National Bank of Pennsylvania | 64 | 6.140% | $595,000 | 9.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 63 | 7.840% | $105,000 | 16.0% |
| UNION HOME MORTGAGE CORP. | 63 | 6.500% | $475,000 | 7.2% |
| FREEDOM MORTGAGE CORPORATION | 60 | 6.250% | $370,000 | 15.8% |
| MEMBERS 1ST | 60 | 1.990% | $155,000 | 34.7% |
| Diamond Credit Union | 60 | 5.520% | $90,000 | 18.4% |
| SPRING EQ, LLC | 59 | 8.925% | $105,000 | 58.0% |
| GUARANTEED RATE AFFINITY, LLC | 53 | 6.625% | $385,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 51 | 6.990% | $185,000 | 32.1% |
| Philadelphia Mortgage Advisors, Inc. | 50 | 6.490% | $405,000 | 0.0% |
| Bank of Bird-in-Hand | 49 | Not published | $225,000 | 0.0% |
| First Resource Bank | 48 | Not published | $390,000 | 0.0% |
| T2 FINANCIAL LLC | 47 | 6.490% | $385,000 | 3.9% |
| Mid Penn Bank | 47 | 6.990% | $265,000 | 7.8% |
| Coastal Community Bank | 45 | 9.990% | $85,000 | 2.0% |
| KeyBank National Association | 44 | 8.125% | $165,000 | 36.6% |
| U.S. Bank National Association | 44 | 6.913% | $310,000 | 34.8% |
| FIGURE LENDING LLC | 43 | 9.150% | $85,000 | 27.6% |
| FIRST COLONY MORTGAGE CORPORATION | 43 | 6.625% | $375,000 | 4.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 42 | 6.875% | $425,000 | 0.0% |
| NFM, INC. | 42 | 6.625% | $395,000 | 4.4% |
| BETTER MORTGAGE CORPORATION | 41 | 6.875% | $245,000 | 22.6% |
| Lendage, LLC | 41 | 11.500% | $85,000 | 4.6% |
| Mortgage Research Center, LLC | 40 | 6.250% | $355,000 | 31.0% |
| THE LOAN STORE, INC. | 40 | 7.125% | $380,000 | 8.0% |
| MDE HOME LOANS, LLC | 39 | 6.500% | $635,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 39 | 6.250% | $415,000 | 4.9% |
| Firstrust Savings Bank | 38 | 5.875% | $380,000 | 23.6% |
| Mortgage America, Inc. | 35 | 6.375% | $395,000 | 2.8% |
| AmeriSave Mortgage Corporation | 34 | 8.750% | $85,000 | 64.4% |
| The Huntington National Bank | 34 | 7.095% | $305,000 | 25.0% |
| TRIAD FINANCIAL SERVICES, INC. | 33 | 8.600% | $95,000 | 30.1% |
| Ardent Federal Credit Union | 33 | Not published | $175,000 | 14.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 33 | 6.375% | $345,000 | 17.1% |
| Phoenixville Federal Bank and Trust | 31 | Not published | $245,000 | 11.4% |
| MortgageCountry, LLC | 31 | 6.250% | $535,000 | 0.0% |
| The Ephrata National Bank | 26 | 6.933% | $205,000 | 29.0% |
| ALLIANT CREDIT UNION | 26 | 7.625% | $250,000 | 22.2% |
| EMM LOANS LLC | 26 | 6.625% | $350,000 | 3.6% |
| BHCU | 26 | 6.500% | $155,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 25 | 6.625% | $255,000 | 54.7% |
| PENTAGON FEDERAL CREDIT UNION | 25 | 7.375% | $295,000 | 43.2% |
| TOWER Federal Credit Union | 25 | 7.000% | $155,000 | 23.5% |
| ZILLOW HOME LOANS, LLC | 25 | 6.375% | $335,000 | 3.9% |
| MORTGAGE EQUITY PARTNERS LLC | 24 | 6.625% | $365,000 | 0.0% |
| KIND LENDING, LLC | 23 | 6.625% | $585,000 | 36.1% |
| Kiavi Funding, Inc. | 22 | 10.825% | $355,000 | 8.3% |
| Fairway Independent Mortgage Corporation | 22 | 6.750% | $350,000 | 8.3% |
| Paramount Residential Mortgage Group, Inc. | 22 | 7.438% | $490,000 | 0.0% |
| Discover Bank | 21 | 9.220% | $95,000 | 69.4% |
| 1st Colonial Community Bank | 21 | 7.000% | $365,000 | 8.7% |
| The National Bank of Malvern | 21 | Not published | $305,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 20 | 5.935% | $500,000 | 14.3% |
| ALLIED MORTGAGE GROUP, INC. | 20 | 6.313% | $505,000 | 4.4% |
| PLAZA HOME MORTGAGE, INC. | 20 | 6.875% | $320,000 | 22.2% |
| Morgan Stanley Private Bank, National Association | 20 | 6.000% | $720,000 | 0.0% |
| Plains Commerce Bank | 20 | 6.750% | $400,000 | 0.0% |
| NBKC BANK | 19 | 6.125% | $495,000 | 13.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 19 | 9.850% | $135,000 | 5.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 18 | 7.370% | $315,000 | 47.2% |
| GO MORTGAGE, LLC | 18 | 6.875% | $405,000 | 0.0% |
| Presence Bank | 16 | Not published | $135,000 | 27.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 16 | 6.625% | $400,000 | 5.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 15 | 6.250% | $325,000 | 20.0% |
| LINKBANK | 15 | Not published | $245,000 | 11.8% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 15 | 6.750% | $135,000 | 6.3% |
| PRINCETON MORTGAGE CORPORATION | 15 | 6.490% | $495,000 | 0.0% |
| PINNACLE MORTGAGE, INC. | 15 | 5.875% | $615,000 | 0.0% |
| PHILADELPHIA FEDERAL CREDIT UNION | 14 | 7.000% | $155,000 | 37.5% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 14 | 6.188% | $455,000 | 6.7% |
| OceanFirst Bank, National Association | 14 | 6.750% | $440,000 | 0.0% |
| GoodLeap, LLC | 13 | 6.625% | $245,000 | 34.4% |
| 254900M2C4Q6DATP2889 | 13 | 5.990% | $385,000 | 18.8% |
| DIGITAL | 13 | 7.865% | $175,000 | 13.3% |
| LENDSURE MORTGAGE CORP. | 13 | 7.875% | $315,000 | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 13 | 6.625% | $355,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 13 | 9.750% | $375,000 | 0.0% |
| State Financial Network, LLC | 13 | 6.250% | $355,000 | 0.0% |
| Orrstown Bank | 13 | 3.240% | $345,000 | 7.1% |
| Charles Schwab Bank, SSB | 13 | 5.875% | $905,000 | 0.0% |
| LOWER, LLC | 12 | 6.808% | $330,000 | 7.7% |
| BENCHMARK Federal Credit Union | 12 | 8.490% | $55,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | 6.625% | $350,000 | 0.0% |
| RAPID MORTGAGE COMPANY | 12 | 6.990% | $295,000 | 0.0% |
| MORTGAGE ACCESS CORP. | 12 | 6.558% | $445,000 | 0.0% |
| Florida Capital Bank, National Association | 12 | 6.875% | $400,000 | 0.0% |
| Tomo Mortgage, LLC | 11 | 6.490% | $525,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 11 | 7.375% | $225,000 | 45.0% |
| Citadel Servicing Corporation | 11 | 7.875% | $265,000 | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 11 | 6.500% | $375,000 | 0.0% |
| Harleysville Bank | 11 | Not published | $275,000 | 7.7% |
| Horizon Farm Credit, ACA | 11 | 6.810% | $425,000 | 0.0% |
| 21st Mortgage Corporation | 10 | 10.060% | $100,000 | 83.3% |
| USAA Federal Savings Bank | 10 | 6.438% | $375,000 | 37.5% |
| QUORUM FEDERAL CREDIT UNION | 10 | 9.375% | $110,000 | 54.2% |
| Beeline Loans, Inc. | 10 | 6.933% | $215,000 | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 10 | 4.365% | $105,000 | 23.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | 7.437% | $405,000 | 28.6% |
| First Federal Bank | 10 | 6.250% | $430,000 | 9.1% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 10 | 6.433% | $515,000 | 0.0% |
| OCMBC, INC. | 10 | 7.062% | $380,000 | 8.3% |
| Tompkins Community Bank | 10 | 4.500% | $230,000 | 28.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 10 | 6.875% | $270,000 | 0.0% |
| TRI COUNTY AREA Federal Credit Union | 10 | Not published | $80,000 | 0.0% |
| FREEDOM | 10 | 6.250% | $130,000 | 28.6% |
| FINANCE OF AMERICA REVERSE LLC | 10 | 6.625% | $300,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 10 | 6.438% | $260,000 | 8.3% |
| General Mortgage Capital Corporation | 10 | 6.000% | $360,000 | 0.0% |
| MLD MORTGAGE INC. | 10 | 6.438% | $325,000 | 0.0% |
| Citibank, National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 38.9% |
| Bethpage Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Strong Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriServ Financial Bank | 9 | Under 10 loans | Under 10 loans | 16.7% |
| BAY EQUITY LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Advisors Mortgage Group, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| STG MORTGAGE INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 48.8% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 36.4% |
| LEADERONE FINANCIAL CORPORATION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SUCCESS MORTGAGE PARTNERS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Penn Community Bank | 7 | Under 10 loans | Under 10 loans | 20.0% |
| RELIANCE FIRST CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Northeast Equitable Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DEL-ONE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUIDANCE RESIDENTIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Victory Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| HOMESTEAD FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Peoples Security Bank and Trust Company | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Genisys Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| The Dart Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Parke Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| County Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 43.8% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 61.5% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | 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 288 lenders each made 5 or fewer mortgages here, and are counted in the totals above.
Bank branches in Chester County
132 FDIC-insured branches from 29 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
8 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- ESSA Bank & Trust, 227 W Lancaster Ave, Devon
- First Bank, 1000 Ridge Rd, Pottstown
- KeyBank National Association, 414 W Lancaster Ave, Devon
- LINKBANK, 1436 Pottstown Pike, West Chester
- Presence Bank, 185 E Lincoln Hwy, Coatesville
- Presence Bank, 24 S 3rd Street, Oxford
- Santander Bank, N.A., 50 W Market St, West Chester
- TD Bank, National Association, 200 W Lancaster Ave, Devon
Get told when this changes
When the next year’s lending figures are out for Chester 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.