Home purchase lenders in Chester County
5,682 home purchase mortgages were made in Chester County, Pennsylvania, in 2025, by 371 lenders. The median rate their borrowers got was 6.500% on a median loan of $415,000. Of 6,366 decisions, 474 were denials — 7.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 447 | 6.750% | $415,000 | 1.1% |
| GUARANTEED RATE, INC. | 267 | 6.575% | $435,000 | 1.5% |
| NVR Mortgage Finance, Inc. | 257 | 6.500% | $505,000 | 8.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 232 | 6.500% | $415,000 | 5.2% |
| Prosperity Home Mortgage, LLC | 205 | 6.625% | $425,000 | 3.3% |
| Rocket Mortgage, LLC | 189 | 6.375% | $395,000 | 10.0% |
| CMG MORTGAGE, INC. | 181 | 6.500% | $405,000 | 1.6% |
| KEYSTONE FUNDING, INC. | 164 | 6.500% | $425,000 | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | 144 | 6.624% | $430,000 | 5.8% |
| GUILD MORTGAGE COMPANY | 135 | 6.625% | $375,000 | 2.1% |
| LENNAR MORTGAGE, LLC | 135 | 4.875% | $405,000 | 2.9% |
| Wilmington Savings Fund Society, FSB | 107 | 6.500% | $405,000 | 4.4% |
| TOLL BROTHERS MORTGAGE COMPANY | 99 | 6.500% | $555,000 | 8.9% |
| JPMorgan Chase Bank, National Association | 99 | 6.000% | $685,000 | 3.9% |
| MOVEMENT MORTGAGE, LLC | 90 | 6.625% | $465,000 | 0.0% |
| TD Bank, National Association | 88 | 6.500% | $440,000 | 8.2% |
| Citizens Bank, National Association | 78 | 6.875% | $390,000 | 17.2% |
| Broker Solutions, Inc. | 76 | 6.750% | $445,000 | 3.8% |
| Bank of America, National Association | 76 | 6.313% | $365,000 | 10.6% |
| Wells Fargo Bank, National Association | 72 | 6.250% | $485,000 | 2.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 72 | 6.500% | $465,000 | 4.0% |
| Fulton Bank, National Association | 69 | 6.500% | $405,000 | 10.4% |
| CITADEL FEDERAL CREDIT UNION | 68 | 5.875% | $300,000 | 11.3% |
| NATIONS DIRECT MORTGAGE, LLC | 66 | 6.500% | $425,000 | 0.0% |
| Filo Mortgage, L.L.C. | 63 | 6.500% | $375,000 | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 58 | 6.562% | $400,000 | 4.9% |
| Univest Bank and Trust Co. | 51 | 6.750% | $325,000 | 1.9% |
| Philadelphia Mortgage Advisors, Inc. | 48 | 6.490% | $405,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 45 | 6.625% | $405,000 | 0.0% |
| MERIDIAN BANK | 44 | 6.688% | $400,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 42 | 6.625% | $480,000 | 10.6% |
| T2 FINANCIAL LLC | 42 | 6.490% | $380,000 | 2.3% |
| First National Bank of Pennsylvania | 42 | 6.250% | $690,000 | 4.6% |
| TRUMARK FINANCIAL CREDIT UNION | 41 | 6.375% | $445,000 | 17.3% |
| DHI MORTGAGE COMPANY, LTD. | 39 | 6.250% | $415,000 | 4.9% |
| PNC Bank, National Association | 38 | 6.500% | $375,000 | 9.5% |
| NFM, INC. | 36 | 6.625% | $410,000 | 2.6% |
| Bank of Bird-in-Hand | 36 | Not published | $225,000 | 0.0% |
| Loandepot.Com, LLC | 34 | 6.750% | $385,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 34 | 6.875% | $420,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 33 | 8.600% | $95,000 | 29.3% |
| Mortgage Research Center, LLC | 32 | 6.250% | $355,000 | 11.1% |
| MDE HOME LOANS, LLC | 32 | 6.500% | $670,000 | 0.0% |
| Truist Bank | 31 | 6.125% | $405,000 | 17.5% |
| FRANKLIN MINT | 31 | 4.990% | $255,000 | 5.9% |
| Mortgage America, Inc. | 29 | 6.500% | $415,000 | 0.0% |
| Mid Penn Bank | 29 | 6.625% | $385,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 28 | 6.625% | $430,000 | 6.1% |
| Navy Federal Credit Union | 25 | 6.250% | $425,000 | 7.4% |
| THE LOAN STORE, INC. | 25 | 6.625% | $415,000 | 3.7% |
| ZILLOW HOME LOANS, LLC | 25 | 6.375% | $335,000 | 3.9% |
| Manufacturers and Traders Trust Company | 24 | 5.750% | $675,000 | 4.0% |
| EMM LOANS LLC | 21 | 6.625% | $355,000 | 4.4% |
| MortgageCountry, LLC | 21 | 6.250% | $535,000 | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 20 | 6.625% | $360,000 | 0.0% |
| Kiavi Funding, Inc. | 19 | 10.990% | $405,000 | 0.0% |
| KIND LENDING, LLC | 19 | 6.625% | $545,000 | 29.6% |
| U.S. Bank National Association | 19 | 6.375% | $595,000 | 9.5% |
| Plains Commerce Bank | 19 | 6.750% | $375,000 | 0.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 19 | 6.125% | $395,000 | 0.0% |
| First Resource Bank | 19 | Not published | $315,000 | 0.0% |
| Firstrust Savings Bank | 18 | 6.625% | $405,000 | 5.3% |
| AMERICAN HERITAGE FCU | 18 | 5.995% | $455,000 | 10.0% |
| Fairway Independent Mortgage Corporation | 17 | 6.813% | $325,000 | 5.6% |
| MEMBERS 1ST | 16 | 6.500% | $320,000 | 5.6% |
| The Huntington National Bank | 16 | 6.500% | $805,000 | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 14 | 6.375% | $505,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 13 | 5.950% | $745,000 | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 13 | 6.625% | $355,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.875% | $235,000 | 18.8% |
| The Ephrata National Bank | 13 | 6.990% | $205,000 | 7.1% |
| Phoenixville Federal Bank and Trust | 13 | Not published | $365,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 13 | 6.625% | $375,000 | 7.1% |
| BETTER MORTGAGE CORPORATION | 12 | 6.438% | $510,000 | 14.3% |
| NBKC BANK | 12 | 6.125% | $485,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 12 | 9.750% | $345,000 | 0.0% |
| MORTGAGE ACCESS CORP. | 12 | 6.558% | $445,000 | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 12 | 6.500% | $455,000 | 0.0% |
| Tomo Mortgage, LLC | 11 | 6.490% | $525,000 | 0.0% |
| NEWREZ LLC | 11 | 6.500% | $385,000 | 26.7% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.750% | $455,000 | 0.0% |
| The National Bank of Malvern | 11 | Not published | $405,000 | 0.0% |
| 21st Mortgage Corporation | 10 | 10.060% | $100,000 | 82.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 10 | 6.875% | $270,000 | 0.0% |
| GO MORTGAGE, LLC | 10 | 6.875% | $445,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 6.245% | $335,000 | 16.7% |
| Presence Bank | 10 | Not published | $130,000 | 0.0% |
| OceanFirst Bank, National Association | 10 | 6.625% | $450,000 | 0.0% |
| Charles Schwab Bank, SSB | 10 | 5.750% | $975,000 | 0.0% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RAPID MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Sun East Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| KeyBank National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| EMBRACE HOME LOANS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Harleysville Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 48.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Luminate Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 1st Colonial Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Diamond Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Parke Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEL-ONE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Victory Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northeast Equitable Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| POLICE & FIRE | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Quaint Oak Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 87.1% |
| TAMMAC HOLDINGS CORPORATION | 4 | Under 10 loans | Under 10 loans | 61.5% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Trust Company of Chambersburg | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hatboro Federal Savings, FA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ACNB Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDING CAPITAL GROUP Inc | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TOWER Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CITIZENS & NORTHERN BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Orrstown Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| County Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 71.4% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ambler Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 171 lenders each made 2 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.