Refinancing lenders in Philadelphia County
2,947 refinancing mortgages were made in Philadelphia County, Pennsylvania, in 2025, by 318 lenders. The median rate their borrowers got was 6.625% on a median loan of $205,000. Of 4,344 decisions, 1,182 were denials — 27.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 313 | 7.650% | $125,000 | 37.3% |
| Kiavi Funding, Inc. | 257 | 7.250% | $165,000 | 12.1% |
| PHILADELPHIA FEDERAL CREDIT UNION | 194 | 6.750% | $175,000 | 22.5% |
| PNC Bank, National Association | 148 | 0.250% | $105,000 | 30.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 139 | 5.750% | $275,000 | 22.8% |
| Rocket Mortgage, LLC | 132 | 5.990% | $255,000 | 29.9% |
| PENNYMAC LOAN SERVICES, LLC | 83 | 5.990% | $275,000 | 20.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 82 | 6.250% | $325,000 | 2.3% |
| Wilmington Savings Fund Society, FSB | 64 | 6.875% | $225,000 | 20.5% |
| TD Bank, National Association | 58 | 7.440% | $235,000 | 29.4% |
| MOVEMENT MORTGAGE, LLC | 57 | 6.062% | $325,000 | 5.5% |
| AMERICAN HERITAGE FCU | 45 | 6.490% | $65,000 | 47.1% |
| TRUMARK FINANCIAL CREDIT UNION | 44 | 6.650% | $230,000 | 26.6% |
| POLICE & FIRE | 42 | 5.370% | $210,000 | 27.1% |
| FREEDOM MORTGAGE CORPORATION | 40 | 6.250% | $255,000 | 20.5% |
| GUARANTEED RATE, INC. | 39 | 6.000% | $435,000 | 4.9% |
| Penn Community Bank | 32 | 5.755% | $2,460,000 | 2.7% |
| NEWREZ LLC | 31 | 6.125% | $315,000 | 47.0% |
| CONSTRUCTIVE LOANS, LLC | 29 | 7.000% | $215,000 | 2.9% |
| Parke Bank | 28 | 6.500% | $195,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 27 | 5.990% | $325,000 | 20.0% |
| Univest Bank and Trust Co. | 26 | 7.250% | $260,000 | 7.1% |
| BPL MORTGAGE TRUST, LLC | 26 | 7.000% | $165,000 | 23.7% |
| JPMorgan Chase Bank, National Association | 23 | 6.125% | $375,000 | 4.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 22 | 6.453% | $95,000 | 29.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 22 | 6.313% | $135,000 | 12.0% |
| MortgageCountry, LLC | 22 | 6.188% | $445,000 | 0.0% |
| S&T Bank | 20 | 6.740% | $335,000 | 21.4% |
| ICE LENDER HOLDINGS LLC | 18 | 7.438% | $270,000 | 21.7% |
| Loan Funder LLC | 17 | 7.820% | $175,000 | 32.0% |
| FREEDOM | 17 | 6.990% | $95,000 | 39.3% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 17 | 6.625% | $205,000 | 5.3% |
| Mortgage Research Center, LLC | 16 | 5.933% | $295,000 | 54.3% |
| Wells Fargo Bank, National Association | 16 | 5.875% | $135,000 | 33.3% |
| CHAMPIONS FUNDING, LLC | 16 | 7.750% | $190,000 | 38.5% |
| Bank of America, National Association | 15 | 5.990% | $160,000 | 55.9% |
| NATIONSTAR MORTGAGE LLC | 15 | 6.375% | $355,000 | 25.0% |
| FM Home Loans, LLC | 15 | 7.375% | $525,000 | 0.0% |
| Hyperion Bank | 15 | Not published | $425,000 | 0.0% |
| Firstrust Savings Bank | 14 | 5.750% | $175,000 | 50.0% |
| PLANET HOME LENDING, LLC | 14 | 6.120% | $250,000 | 25.0% |
| MERIDIAN BANK | 14 | 7.250% | $560,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.125% | $305,000 | 66.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | 10.240% | $195,000 | 0.0% |
| ARK MORTGAGE, INC. | 13 | 7.375% | $455,000 | 7.1% |
| Loandepot.Com, LLC | 11 | 5.990% | $235,000 | 42.1% |
| Ardent Federal Credit Union | 11 | Not published | $85,000 | 15.4% |
| Filo Mortgage, L.L.C. | 11 | 6.990% | $335,000 | 8.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 6.120% | $255,000 | 0.0% |
| CMG MORTGAGE, INC. | 10 | 6.308% | $255,000 | 37.5% |
| SOUTH RIVER MORTGAGE, LLC | 10 | 6.563% | $90,000 | 0.0% |
| LIMA ONE CAPITAL, LLC | 10 | 10.700% | $345,000 | 23.1% |
| LENDING CAPITAL GROUP Inc | 10 | 6.875% | $205,000 | 9.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 37.5% |
| ROYAL UNITED MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 55.0% |
| Fulton Bank, National Association | 9 | Under 10 loans | Under 10 loans | 50.0% |
| FRANKLIN MINT | 9 | Under 10 loans | Under 10 loans | 47.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Manufacturers and Traders Trust Company | 9 | Under 10 loans | Under 10 loans | 37.5% |
| 254900CTT87ZKAUTIJ37 | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Logan Finance Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Sharon Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 60.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 27.3% |
| 1st Colonial Community Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| OceanFirst Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CITIZENS & NORTHERN BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 61.1% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 42.9% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Provident Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 73.1% |
| Truist Bank | 6 | Under 10 loans | Under 10 loans | 64.7% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 15.4% |
| FOUNDATION MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 41.7% |
| Regions Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NQM FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SELF RELIANCE NY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| COREVEST AMERICAN FINANCE LENDER LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Mid Penn Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 84.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 64.3% |
| CITADEL FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 9.1% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Sun East Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NATION ONE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Peoples Security Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Diamond Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MEMBERS 1ST | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Asian Bank | 2 | Under 10 loans | Under 10 loans | 40.0% |
| The Victory Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUN Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hatboro Federal Savings, FA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage America, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Clearview Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QNB Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Haddon Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ambler Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ConnectOne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 87.5% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 85.7% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Columbia Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLEGACY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 118 lenders each made 1 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.