Refinancing lenders in Bucks County
2,431 refinancing mortgages were made in Bucks County, Pennsylvania, in 2025, by 286 lenders. The median rate their borrowers got was 6.490% on a median loan of $275,000. Of 3,185 decisions, 617 were denials — 19.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 393 | 7.400% | $205,000 | 23.3% |
| PNC Bank, National Association | 151 | 6.500% | $135,000 | 19.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 140 | 5.875% | $405,000 | 9.2% |
| Penn Community Bank | 134 | 7.000% | $115,000 | 13.8% |
| Rocket Mortgage, LLC | 125 | 5.990% | $355,000 | 14.7% |
| AMERICAN HERITAGE FCU | 77 | 6.740% | $95,000 | 23.8% |
| TD Bank, National Association | 76 | 7.440% | $205,000 | 25.9% |
| PENNYMAC LOAN SERVICES, LLC | 52 | 5.875% | $485,000 | 15.2% |
| Bank of America, National Association | 52 | 5.490% | $180,000 | 27.6% |
| Univest Bank and Trust Co. | 51 | 7.500% | $155,000 | 14.8% |
| POLICE & FIRE | 46 | 5.250% | $370,000 | 14.5% |
| NEWREZ LLC | 38 | 5.875% | $460,000 | 32.1% |
| TRUMARK FINANCIAL CREDIT UNION | 37 | 6.740% | $205,000 | 30.2% |
| Third Federal Savings and Loan Association of Cleveland | 36 | 6.990% | $205,000 | 17.8% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 34 | 6.500% | $155,000 | 2.9% |
| GUARANTEED RATE, INC. | 32 | 6.088% | $480,000 | 3.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 30 | 6.183% | $400,000 | 6.3% |
| FREEDOM MORTGAGE CORPORATION | 30 | 6.250% | $350,000 | 12.8% |
| First National Bank and Trust Company of Newtown | 24 | Not published | $305,000 | 13.9% |
| Wilmington Savings Fund Society, FSB | 24 | 7.250% | $255,000 | 23.5% |
| MOVEMENT MORTGAGE, LLC | 24 | 5.990% | $435,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 23 | 6.000% | $435,000 | 11.1% |
| Prosperity Home Mortgage, LLC | 22 | 5.750% | $395,000 | 15.4% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 20 | 6.515% | $150,000 | 20.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.125% | $235,000 | 13.0% |
| Truist Bank | 18 | 6.040% | $175,000 | 43.2% |
| Loandepot.Com, LLC | 18 | 5.990% | $425,000 | 9.1% |
| QNB Bank | 18 | Not published | $200,000 | 10.0% |
| LENDING CAPITAL GROUP Inc | 16 | 6.313% | $355,000 | 10.5% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.125% | $335,000 | 39.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 15 | 5.990% | $395,000 | 4.4% |
| CMG MORTGAGE, INC. | 14 | 6.125% | $315,000 | 36.4% |
| CITIZENS & NORTHERN BANK | 14 | 7.438% | $440,000 | 12.5% |
| Manufacturers and Traders Trust Company | 13 | 5.740% | $255,000 | 36.4% |
| LONGBRIDGE FINANCIAL, LLC | 13 | 5.875% | $285,000 | 11.8% |
| UNION HOME MORTGAGE CORP. | 13 | 5.990% | $375,000 | 6.7% |
| JPMorgan Chase Bank, National Association | 13 | 6.125% | $335,000 | 0.0% |
| Hatboro Federal Savings, FA | 13 | Not published | $185,000 | 6.7% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.125% | $375,000 | 7.1% |
| Firstrust Savings Bank | 12 | 4.990% | $195,000 | 38.1% |
| SPRING EQ, LLC | 12 | 8.113% | $105,000 | 47.8% |
| GUILD MORTGAGE COMPANY | 12 | 6.313% | $385,000 | 0.0% |
| FRANKLIN MINT | 12 | 4.990% | $230,000 | 14.3% |
| Kiavi Funding, Inc. | 10 | 7.000% | $245,000 | 23.1% |
| Fulton Bank, National Association | 10 | 6.490% | $215,000 | 33.3% |
| KEYSTONE FUNDING, INC. | 10 | 6.125% | $365,000 | 0.0% |
| FREEDOM | 10 | 7.490% | $150,000 | 9.1% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 47.1% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS 1ST | 6 | Under 10 loans | Under 10 loans | 53.8% |
| KeyBank National Association | 6 | Under 10 loans | Under 10 loans | 30.0% |
| First National Bank of Pennsylvania | 6 | Under 10 loans | Under 10 loans | 25.0% |
| DEVELOPER'S MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriServ Financial Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Colonial Community Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 42.9% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Advisors Mortgage Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MERIDIAN BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Harleysville Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| APCI Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 37.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PHILADELPHIA FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PRINCETON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 16.7% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northeast Equitable Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Tompkins Community Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mortgage America, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Diamond Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sun East Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Columbia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Inspire Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVICE 1ST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quaint Oak 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% |
| First Citizens Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MDE HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ConnectOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IRCO COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Parke Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE 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 86 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.