Mortgage lenders in Berks County
9,491 mortgages were made in Berks County, Pennsylvania, in 2025, by 428 lenders. The median rate their borrowers got was 6.625% on a median loan of $175,000. Of 13,069 decisions, 3,053 were denials — 23.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Diamond Credit Union | 536 | 6.235% | $75,000 | 31.0% |
| Rocket Mortgage, LLC | 528 | 6.875% | $175,000 | 20.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 407 | 6.625% | $245,000 | 5.1% |
| Mortgage America, Inc. | 375 | 6.625% | $255,000 | 1.6% |
| Citizens Bank, National Association | 363 | 7.650% | $125,000 | 32.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 291 | 6.500% | $235,000 | 20.6% |
| CMG MORTGAGE, INC. | 280 | 6.625% | $275,000 | 4.9% |
| Fulton Bank, National Association | 272 | 6.490% | $170,000 | 21.4% |
| MEMBERS 1ST | 262 | 1.990% | $105,000 | 37.1% |
| RIVERFRONT FEDERAL CREDIT UNION | 260 | 5.550% | $75,000 | 28.7% |
| Manufacturers and Traders Trust Company | 226 | 5.990% | $105,000 | 28.3% |
| Tompkins Community Bank | 222 | 3.250% | $145,000 | 24.3% |
| PENNYMAC LOAN SERVICES, LLC | 206 | 6.433% | $235,000 | 18.3% |
| Truist Bank | 202 | 6.625% | $105,000 | 36.6% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 177 | 6.640% | $75,000 | 18.3% |
| First National Bank of Pennsylvania | 163 | 6.250% | $135,000 | 42.9% |
| First Commonwealth Federal Credit Union | 153 | 7.240% | $75,000 | 18.7% |
| Univest Bank and Trust Co. | 149 | 6.750% | $225,000 | 2.0% |
| 254900CTT87ZKAUTIJ37 | 126 | 7.990% | $150,000 | 15.3% |
| Broker Solutions, Inc. | 125 | 6.625% | $245,000 | 10.2% |
| UTILITIES EMPLOYEES CREDIT UNION | 120 | 6.990% | $95,000 | 12.8% |
| GUILD MORTGAGE COMPANY | 114 | 6.625% | $265,000 | 1.6% |
| Customers Bank | 111 | 6.375% | $185,000 | 4.9% |
| Discovery Federal Credit Union | 109 | 6.638% | $65,000 | 16.8% |
| Loandepot.Com, LLC | 104 | 6.625% | $225,000 | 25.2% |
| Visions Federal Credit Union | 103 | 7.250% | $65,000 | 45.1% |
| NEWREZ LLC | 85 | 6.750% | $175,000 | 39.0% |
| Flanagan State Bank | 83 | 6.750% | $195,000 | 10.8% |
| The Ephrata National Bank | 79 | 6.000% | $215,000 | 17.7% |
| CONTOUR MORTGAGE CORPORATION | 79 | 6.875% | $255,000 | 1.2% |
| FREEDOM MORTGAGE CORPORATION | 78 | 6.250% | $255,000 | 22.0% |
| GUARANTEED RATE, INC. | 70 | 6.750% | $240,000 | 8.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 70 | 7.900% | $150,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 68 | 7.688% | $95,000 | 10.1% |
| Mortgage Research Center, LLC | 65 | 6.500% | $305,000 | 25.8% |
| BPL MORTGAGE TRUST, LLC | 65 | 7.375% | $145,000 | 7.0% |
| Wells Fargo Bank, National Association | 59 | 6.500% | $205,000 | 37.2% |
| Kiavi Funding, Inc. | 58 | 7.938% | $145,000 | 10.3% |
| MOVEMENT MORTGAGE, LLC | 57 | 6.750% | $245,000 | 3.0% |
| GUARANTEED RATE AFFINITY, LLC | 55 | 6.575% | $245,000 | 8.1% |
| PLAZA HOME MORTGAGE, INC. | 54 | 6.375% | $185,000 | 15.6% |
| FIGURE LENDING LLC | 53 | 9.850% | $55,000 | 20.8% |
| CITADEL FEDERAL CREDIT UNION | 53 | 4.490% | $105,000 | 28.0% |
| Fleetwood Bank | 52 | Not published | $205,000 | 0.0% |
| Homesale Mortgage, LLC | 50 | 6.625% | $260,000 | 2.0% |
| Coastal Community Bank | 45 | 10.740% | $45,000 | 2.5% |
| Navy Federal Credit Union | 44 | 7.750% | $125,000 | 34.3% |
| TRIAD FINANCIAL SERVICES, INC. | 43 | 8.730% | $75,000 | 27.0% |
| PNC Bank, National Association | 42 | 7.240% | $150,000 | 41.1% |
| AmeriSave Mortgage Corporation | 40 | 8.375% | $80,000 | 67.7% |
| SPRING EQ, LLC | 40 | 9.825% | $75,000 | 60.2% |
| POLICE & FIRE | 40 | 6.740% | $70,000 | 40.6% |
| Mid Penn Bank | 37 | 7.250% | $165,000 | 32.1% |
| JPMorgan Chase Bank, National Association | 35 | 6.750% | $245,000 | 25.0% |
| AMERICAN HERITAGE FCU | 33 | 6.740% | $55,000 | 40.0% |
| Lendage, LLC | 32 | 11.375% | $55,000 | 12.5% |
| Bank of America, National Association | 29 | 6.240% | $175,000 | 56.5% |
| EAST COAST CAPITAL CORP. | 29 | 6.625% | $265,000 | 3.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 28 | 6.500% | $290,000 | 3.5% |
| SUN Federal Credit Union | 27 | 7.250% | $105,000 | 15.6% |
| LAKEVIEW LOAN SERVICING, LLC | 26 | 8.375% | $75,000 | 53.3% |
| Paramount Residential Mortgage Group, Inc. | 26 | 6.625% | $260,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 26 | 6.750% | $265,000 | 10.3% |
| KEYSTONE FUNDING, INC. | 26 | 6.625% | $300,000 | 9.7% |
| NATIONS DIRECT MORTGAGE, LLC | 26 | 6.750% | $290,000 | 0.0% |
| THE LOAN STORE, INC. | 24 | 6.933% | $210,000 | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 24 | 6.625% | $240,000 | 3.9% |
| TRUMARK FINANCIAL CREDIT UNION | 22 | 6.740% | $105,000 | 23.3% |
| Lebanon Federal Credit Union | 22 | Not published | $160,000 | 15.4% |
| NVR Mortgage Finance, Inc. | 21 | 6.375% | $445,000 | 25.0% |
| NFM, INC. | 21 | 6.625% | $265,000 | 4.6% |
| 21st Mortgage Corporation | 20 | 11.090% | $65,000 | 73.8% |
| Fairway Independent Mortgage Corporation | 20 | 6.933% | $255,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 19 | 6.625% | $165,000 | 61.0% |
| TD Bank, National Association | 19 | 8.040% | $135,000 | 39.4% |
| TIDEWATER MORTGAGE SERVICES, INC. | 19 | 6.625% | $185,000 | 20.8% |
| PLANET HOME LENDING, LLC | 19 | 6.250% | $225,000 | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.125% | $175,000 | 42.4% |
| ALLIED MORTGAGE GROUP, INC. | 18 | 6.625% | $270,000 | 0.0% |
| First Citizens Community Bank | 18 | 6.990% | $285,000 | 5.3% |
| The Victory Bank | 18 | Not published | $190,000 | 0.0% |
| GoodLeap, LLC | 17 | 6.250% | $85,000 | 29.6% |
| FIRST COLONY MORTGAGE CORPORATION | 17 | 6.490% | $295,000 | 5.6% |
| UNION HOME MORTGAGE CORP. | 17 | 6.625% | $335,000 | 5.6% |
| Magnolia Bank, Incorporated | 17 | 6.500% | $285,000 | 0.0% |
| U.S. Bank National Association | 16 | 7.775% | $75,000 | 48.4% |
| EMM LOANS LLC | 16 | 6.375% | $280,000 | 0.0% |
| Discover Bank | 15 | 8.330% | $55,000 | 79.8% |
| Equity Prime Mortgage LLC | 15 | 6.625% | $245,000 | 25.0% |
| The Federal Savings Bank | 15 | 6.625% | $275,000 | 6.3% |
| Orrstown Bank | 15 | 6.250% | $275,000 | 16.7% |
| MERIDIAN BANK | 15 | 6.500% | $235,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 14 | 7.620% | $150,000 | 30.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 14 | 9.928% | $140,000 | 0.0% |
| TRI COUNTY AREA Federal Credit Union | 14 | Not published | $85,000 | 12.5% |
| TOWNE MORTGAGE COMPANY | 14 | 6.370% | $210,000 | 0.0% |
| Horizon Farm Credit, ACA | 14 | 6.755% | $320,000 | 6.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 14 | 6.750% | $305,000 | 0.0% |
| Philadelphia Mortgage Advisors, Inc. | 14 | 6.375% | $250,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 13 | 6.250% | $235,000 | 38.1% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.790% | $105,000 | 31.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 13 | 10.100% | $95,000 | 7.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.490% | $285,000 | 13.3% |
| Ixonia Bank | 13 | 6.625% | $305,000 | 0.0% |
| New Tripoli Bank | 13 | Not published | $235,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 12 | 8.900% | $65,000 | 35.2% |
| USAA Federal Savings Bank | 12 | 6.063% | $295,000 | 45.5% |
| KeyBank National Association | 12 | 7.875% | $160,000 | 48.0% |
| OCMBC, INC. | 12 | 7.938% | $155,000 | 26.3% |
| PEOPLE FIRST FEDERAL CREDIT UNION | 12 | Not published | $45,000 | 47.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | 7.063% | $240,000 | 14.3% |
| The Huntington National Bank | 11 | 7.350% | $175,000 | 31.3% |
| Filo Mortgage, L.L.C. | 11 | 6.490% | $285,000 | 0.0% |
| Northwest Bank | 11 | 6.000% | $145,000 | 21.4% |
| V.I.P. MORTGAGE, INC. | 11 | 6.875% | $265,000 | 8.3% |
| Citadel Servicing Corporation | 10 | 8.625% | $145,000 | 10.5% |
| KIND LENDING, LLC | 10 | 6.990% | $210,000 | 28.6% |
| Embassy Bank For The Lehigh Valley | 10 | 6.250% | $240,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 10 | 6.625% | $295,000 | 9.1% |
| Gateway First Bank | 10 | 6.750% | $275,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.438% | $335,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 10 | 6.500% | $135,000 | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Wilmington Savings Fund Society, FSB | 9 | Under 10 loans | Under 10 loans | 10.0% |
| QNB Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Valon Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| GO MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ACNB Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Ambler Savings Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| JONESTOWN BANK AND TRUST COMPANY OF JONESTOWN PENNSYLVANIA | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Harleysville Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| APCI Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Trust Company of Chambersburg | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 59.1% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 35.7% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 9.1% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LONGBRIDGE FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Ardent Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Quaint Oak Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Penn Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 44.4% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDING CAPITAL GROUP Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Bird-in-Hand | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 45.5% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| FRANKLIN MINT | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| EMBRACE HOME LOANS, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| UNITED FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Superior Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| S&T Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hatboro Federal Savings, FA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hershey Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 27.3% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 36.4% |
| Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AmeriServ Financial Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Firstrust Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS & NORTHERN BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHILADELPHIA FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Northeast Equitable Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BELCO COMMUNITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Peoples Security Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ESSA Bank & Trust | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Allentown Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 4 | 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 228 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in Berks County
90 FDIC-insured branches from 19 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 13 | $2.0 billion |
| Manufacturers and Traders Trust Company | 13 | $803.3 million |
| Tompkins Community Bank | 12 | $1.2 billion |
| Wells Fargo Bank, National Association | 7 | $1.4 billion |
| Fulton Bank, National Association | 7 | $970.9 million |
| Fleetwood Bank | 7 | $381.1 million |
| Santander Bank, N.A. | 6 | $5.9 billion |
| Citizens Bank, National Association | 6 | $451.3 million |
| First National Bank of Pennsylvania | 4 | $551.3 million |
| Mid Penn Bank | 3 | $275.0 million |
| Customers Bank | 2 | $8.5 billion |
| JPMorgan Chase Bank, National Association | 2 | $13.8 million |
| Woodforest National Bank | 2 | $11.2 million |
| First Citizens Community Bank | 1 | $83.7 million |
| The Ephrata National Bank | 1 | $74.1 million |
| Ambler Savings Bank | 1 | $70.1 million |
| Univest Bank and Trust Co. | 1 | $19.2 million |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 1 | $19.1 million |
| Bank of Bird-in-Hand | 1 | $0 |
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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.