Home purchase lenders in Berks County
4,172 home purchase mortgages were made in Berks County, Pennsylvania, in 2025, by 314 lenders. The median rate their borrowers got was 6.625% on a median loan of $245,000. Of 4,921 decisions, 573 were denials — 11.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 361 | 6.625% | $245,000 | 2.7% |
| Mortgage America, Inc. | 357 | 6.500% | $255,000 | 1.7% |
| CMG MORTGAGE, INC. | 263 | 6.625% | $275,000 | 4.2% |
| Fulton Bank, National Association | 149 | 6.750% | $255,000 | 9.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 130 | 6.875% | $250,000 | 11.0% |
| Rocket Mortgage, LLC | 129 | 6.625% | $225,000 | 15.7% |
| 254900CTT87ZKAUTIJ37 | 114 | 7.990% | $145,000 | 12.9% |
| Univest Bank and Trust Co. | 105 | 6.500% | $245,000 | 1.9% |
| GUILD MORTGAGE COMPANY | 102 | 6.625% | $270,000 | 0.0% |
| Customers Bank | 99 | 6.375% | $185,000 | 4.7% |
| Broker Solutions, Inc. | 96 | 6.563% | $250,000 | 5.7% |
| PENNYMAC LOAN SERVICES, LLC | 91 | 6.375% | $305,000 | 13.3% |
| Flanagan State Bank | 79 | 6.750% | $195,000 | 9.2% |
| CONTOUR MORTGAGE CORPORATION | 68 | 6.875% | $255,000 | 1.4% |
| GUARANTEED RATE, INC. | 60 | 6.750% | $255,000 | 4.8% |
| Tompkins Community Bank | 58 | 6.505% | $290,000 | 7.8% |
| Mortgage Research Center, LLC | 55 | 6.500% | $315,000 | 9.7% |
| GUARANTEED RATE AFFINITY, LLC | 53 | 6.575% | $245,000 | 3.6% |
| PLAZA HOME MORTGAGE, INC. | 51 | 6.375% | $185,000 | 15.0% |
| Diamond Credit Union | 49 | 6.290% | $175,000 | 23.4% |
| MOVEMENT MORTGAGE, LLC | 49 | 6.750% | $255,000 | 0.0% |
| Loandepot.Com, LLC | 45 | 6.750% | $265,000 | 2.2% |
| Homesale Mortgage, LLC | 45 | 6.750% | $255,000 | 2.2% |
| TRIAD FINANCIAL SERVICES, INC. | 43 | 8.730% | $75,000 | 25.4% |
| RIVERFRONT FEDERAL CREDIT UNION | 41 | 5.550% | $175,000 | 10.9% |
| First National Bank of Pennsylvania | 39 | 6.500% | $285,000 | 20.4% |
| The Ephrata National Bank | 38 | 6.688% | $255,000 | 10.9% |
| Citizens Bank, National Association | 33 | 7.500% | $165,000 | 28.6% |
| Truist Bank | 32 | 6.295% | $270,000 | 8.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 30 | 9.990% | $135,000 | 0.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 29 | 6.375% | $275,000 | 3.3% |
| Kiavi Funding, Inc. | 28 | 11.350% | $145,000 | 13.9% |
| Wells Fargo Bank, National Association | 27 | 6.500% | $235,000 | 29.0% |
| MEMBERS 1ST | 27 | 6.250% | $255,000 | 25.6% |
| Fleetwood Bank | 26 | Not published | $230,000 | 0.0% |
| Manufacturers and Traders Trust Company | 24 | 6.375% | $175,000 | 16.7% |
| Paramount Residential Mortgage Group, Inc. | 24 | 6.563% | $260,000 | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 24 | 6.500% | $295,000 | 4.0% |
| NATIONS DIRECT MORTGAGE, LLC | 24 | 6.750% | $290,000 | 0.0% |
| NEWREZ LLC | 23 | 6.625% | $255,000 | 0.0% |
| EAST COAST CAPITAL CORP. | 22 | 6.500% | $280,000 | 4.4% |
| KEYSTONE FUNDING, INC. | 22 | 6.625% | $310,000 | 11.1% |
| NVR Mortgage Finance, Inc. | 21 | 6.375% | $445,000 | 25.0% |
| Prosperity Home Mortgage, LLC | 21 | 6.750% | $295,000 | 12.5% |
| First Commonwealth Federal Credit Union | 21 | 6.125% | $295,000 | 21.4% |
| Fairway Independent Mortgage Corporation | 20 | 6.933% | $255,000 | 0.0% |
| 21st Mortgage Corporation | 19 | 11.050% | $65,000 | 74.4% |
| Mid Penn Bank | 19 | 7.000% | $245,000 | 26.9% |
| UTILITIES EMPLOYEES CREDIT UNION | 19 | 6.740% | $225,000 | 13.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 18 | 6.750% | $250,000 | 0.0% |
| THE LOAN STORE, INC. | 17 | 6.625% | $235,000 | 5.3% |
| First Citizens Community Bank | 17 | 6.990% | $285,000 | 5.6% |
| NFM, INC. | 17 | 6.625% | $265,000 | 5.6% |
| EMM LOANS LLC | 16 | 6.375% | $280,000 | 0.0% |
| Navy Federal Credit Union | 15 | 6.000% | $325,000 | 25.0% |
| JPMorgan Chase Bank, National Association | 15 | 6.750% | $245,000 | 25.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 15 | 6.625% | $185,000 | 21.1% |
| The Victory Bank | 15 | Not published | $195,000 | 0.0% |
| Philadelphia Mortgage Advisors, Inc. | 14 | 6.375% | $250,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 13 | 6.490% | $215,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 13 | 6.375% | $345,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 13 | 6.750% | $305,000 | 0.0% |
| Magnolia Bank, Incorporated | 13 | 6.500% | $255,000 | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 13 | 6.625% | $295,000 | 0.0% |
| PLANET HOME LENDING, LLC | 12 | 6.688% | $235,000 | 7.7% |
| Ixonia Bank | 12 | 6.563% | $310,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 11 | 8.900% | $65,000 | 34.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11 | 6.490% | $285,000 | 15.4% |
| BPL MORTGAGE TRUST, LLC | 11 | 7.375% | $225,000 | 7.7% |
| UNION HOME MORTGAGE CORP. | 11 | 6.750% | $305,000 | 0.0% |
| V.I.P. MORTGAGE, INC. | 11 | 6.875% | $265,000 | 8.3% |
| MERIDIAN BANK | 11 | 6.500% | $235,000 | 0.0% |
| USAA Federal Savings Bank | 10 | 6.125% | $285,000 | 41.2% |
| Equity Prime Mortgage LLC | 10 | 6.875% | $250,000 | 23.1% |
| Filo Mortgage, L.L.C. | 10 | 6.495% | $285,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 10 | 6.625% | $295,000 | 9.1% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Gateway First Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 46.7% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 28.6% |
| TD Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE FCU | 8 | Under 10 loans | Under 10 loans | 11.1% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ACNB Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Quaint Oak Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Lebanon Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| New Tripoli Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CITADEL FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENDING CAPITAL GROUP Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 54.6% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| GO MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Orrstown Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| State Financial Network, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| POLICE & FIRE | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JONESTOWN BANK AND TRUST COMPANY OF JONESTOWN PENNSYLVANIA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUN Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Northeast Equitable Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Harleysville Bank | 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% |
| QNB Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 3 | Under 10 loans | Under 10 loans | 60.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Discovery Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hatboro Federal Savings, FA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Bird-in-Hand | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 72.0% |
| Embassy Bank For The Lehigh Valley | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 57.1% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TRUMARK FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Firstrust Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Chambers Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PEOPLE FIRST FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ESSA Bank & Trust | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IRCO COMMUNITY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presence Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ambler Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Phoenixville Federal Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 94.4% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS & NORTHERN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Evergreen Bank Group | 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 114 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.