Refinancing lenders in Chester County
2,449 refinancing mortgages were made in Chester County, Pennsylvania, in 2025, by 252 lenders. The median rate their borrowers got was 6.330% on a median loan of $325,000. Of 3,088 decisions, 548 were denials — 17.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 352 | 7.400% | $225,000 | 23.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 273 | 5.875% | $485,000 | 4.1% |
| PNC Bank, National Association | 166 | 7.540% | $195,000 | 17.5% |
| S&T Bank | 112 | 6.490% | $235,000 | 28.9% |
| Wilmington Savings Fund Society, FSB | 111 | 7.250% | $275,000 | 11.7% |
| Rocket Mortgage, LLC | 108 | 5.875% | $375,000 | 14.7% |
| TD Bank, National Association | 73 | 7.040% | $395,000 | 10.7% |
| FRANKLIN MINT | 67 | 4.990% | $155,000 | 20.5% |
| Truist Bank | 64 | 6.140% | $165,000 | 36.4% |
| PENNYMAC LOAN SERVICES, LLC | 40 | 5.875% | $435,000 | 4.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 40 | 6.125% | $420,000 | 2.4% |
| CMG MORTGAGE, INC. | 38 | 6.125% | $480,000 | 2.4% |
| Bank of America, National Association | 37 | 5.625% | $205,000 | 27.5% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 33 | 7.390% | $125,000 | 10.8% |
| CITADEL FEDERAL CREDIT UNION | 31 | 6.125% | $205,000 | 26.7% |
| NEWREZ LLC | 30 | 5.990% | $500,000 | 29.5% |
| Third Federal Savings and Loan Association of Cleveland | 30 | 6.990% | $170,000 | 28.3% |
| FREEDOM MORTGAGE CORPORATION | 28 | 6.125% | $390,000 | 6.1% |
| Fulton Bank, National Association | 25 | 6.490% | $275,000 | 16.7% |
| First Resource Bank | 25 | Not published | $555,000 | 0.0% |
| GUARANTEED RATE, INC. | 24 | 6.038% | $545,000 | 0.0% |
| Sun East Federal Credit Union | 20 | 4.990% | $100,000 | 16.7% |
| Univest Bank and Trust Co. | 18 | 6.775% | $250,000 | 10.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 18 | 6.063% | $575,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.375% | $335,000 | 11.8% |
| JPMorgan Chase Bank, National Association | 15 | 5.990% | $495,000 | 0.0% |
| POLICE & FIRE | 15 | 4.990% | $455,000 | 6.3% |
| Manufacturers and Traders Trust Company | 14 | 5.990% | $130,000 | 34.8% |
| Diamond Credit Union | 14 | 6.270% | $165,000 | 31.8% |
| TRUMARK FINANCIAL CREDIT UNION | 14 | 6.740% | $275,000 | 12.5% |
| MEMBERS 1ST | 13 | 5.740% | $175,000 | 23.5% |
| MOVEMENT MORTGAGE, LLC | 13 | 5.990% | $465,000 | 7.1% |
| NATIONSTAR MORTGAGE LLC | 12 | 6.125% | $415,000 | 7.7% |
| First National Bank of Pennsylvania | 12 | 5.933% | $705,000 | 14.3% |
| KEYSTONE FUNDING, INC. | 12 | 6.125% | $425,000 | 0.0% |
| Bank of Bird-in-Hand | 12 | Not published | $185,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 11 | 5.875% | $525,000 | 21.4% |
| Paramount Residential Mortgage Group, Inc. | 11 | 7.625% | $495,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 11 | 7.500% | $315,000 | 26.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 5.824% | $495,000 | 7.1% |
| Loandepot.Com, LLC | 11 | 5.625% | $395,000 | 7.7% |
| UNION HOME MORTGAGE CORP. | 11 | 5.875% | $515,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 10 | 6.375% | $415,000 | 0.0% |
| KeyBank National Association | 10 | 8.000% | $175,000 | 37.5% |
| Wells Fargo Bank, National Association | 10 | 5.563% | $215,000 | 23.1% |
| Filo Mortgage, L.L.C. | 10 | 6.562% | $320,000 | 9.1% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 59.3% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Ardent Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| MortgageCountry, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 7 | Under 10 loans | Under 10 loans | 36.4% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 33.3% |
| MDE HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Malvern | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Ephrata National Bank | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Firstrust Savings Bank | 5 | Under 10 loans | Under 10 loans | 22.2% |
| Strong Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Orrstown Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Presence Bank | 4 | Under 10 loans | Under 10 loans | 55.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MERIDIAN BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage America, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Penn Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriServ Financial Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Harleysville Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Colonial Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 85.7% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| IVY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRINCETON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| APCI Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Columbia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northeast Equitable Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELCO COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Security Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Cumberland Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Superior Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Philadelphia Mortgage Advisors, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QNB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVICE 1ST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHILADELPHIA FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| County Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ambler Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Artisans' Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Phoenixville Federal Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONESTOWN BANK AND TRUST COMPANY OF JONESTOWN PENNSYLVANIA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | 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 52 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Chester County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.