Mortgage lenders in York County
12,502 mortgages were made in York County, Pennsylvania, in 2025, by 444 lenders. The median rate their borrowers got was 6.500% on a median loan of $175,000. Of 16,716 decisions, 3,561 were denials — 21.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MEMBERS 1ST | 1,417 | 1.990% | $85,000 | 34.0% |
| ACNB Bank | 681 | 6.750% | $215,000 | 10.9% |
| Rocket Mortgage, LLC | 662 | 6.625% | $185,000 | 19.7% |
| Manufacturers and Traders Trust Company | 607 | 5.990% | $105,000 | 23.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 477 | 6.625% | $245,000 | 4.6% |
| Fulton Bank, National Association | 413 | 6.490% | $145,000 | 17.6% |
| CMG MORTGAGE, INC. | 364 | 6.625% | $250,000 | 1.5% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 324 | 6.640% | $85,000 | 14.6% |
| FIRST CAPITAL Federal Credit Union | 312 | 5.990% | $65,000 | 19.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 295 | 6.125% | $265,000 | 17.7% |
| GUILD MORTGAGE COMPANY | 294 | 6.500% | $235,000 | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | 269 | 6.375% | $245,000 | 15.1% |
| MOVEMENT MORTGAGE, LLC | 238 | 6.625% | $255,000 | 2.2% |
| Orrstown Bank | 229 | 4.600% | $155,000 | 25.2% |
| RADIUS FINANCIAL GROUP INC. | 222 | 6.500% | $225,000 | 0.9% |
| PNC Bank, National Association | 201 | 7.900% | $105,000 | 28.8% |
| Truist Bank | 187 | 6.390% | $115,000 | 39.6% |
| Citizens Bank, National Association | 179 | 7.650% | $155,000 | 30.9% |
| HERITAGE VALLEY | 169 | 6.490% | $55,000 | 8.6% |
| First National Bank of Pennsylvania | 162 | 6.490% | $165,000 | 35.7% |
| NYMEO FEDERAL CREDIT UNION | 156 | 6.625% | $155,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 153 | 6.625% | $255,000 | 4.4% |
| Kiavi Funding, Inc. | 151 | 6.875% | $125,000 | 2.6% |
| Navy Federal Credit Union | 130 | 7.750% | $165,000 | 28.0% |
| NEWREZ LLC | 122 | 6.688% | $215,000 | 31.1% |
| Mortgage Research Center, LLC | 122 | 6.250% | $310,000 | 31.9% |
| NATIONSTAR MORTGAGE LLC | 109 | 7.375% | $105,000 | 14.1% |
| Homesale Mortgage, LLC | 108 | 6.750% | $245,000 | 8.5% |
| Fairway Independent Mortgage Corporation | 107 | 6.625% | $275,000 | 7.8% |
| Broker Solutions, Inc. | 105 | 6.750% | $225,000 | 11.0% |
| NVR Mortgage Finance, Inc. | 104 | 6.563% | $435,000 | 6.3% |
| FREEDOM MORTGAGE CORPORATION | 103 | 6.250% | $255,000 | 20.5% |
| Loandepot.Com, LLC | 95 | 6.625% | $195,000 | 31.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 91 | 7.250% | $175,000 | 0.0% |
| BELCO COMMUNITY CREDIT UNION | 87 | 6.490% | $65,000 | 24.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 81 | 6.625% | $205,000 | 6.9% |
| FIRST HOME MORTGAGE CORPORATION | 66 | 6.750% | $305,000 | 4.4% |
| Wells Fargo Bank, National Association | 63 | 6.375% | $215,000 | 22.2% |
| FIGURE LENDING LLC | 62 | 9.925% | $55,000 | 27.1% |
| TRIAD FINANCIAL SERVICES, INC. | 56 | 8.750% | $65,000 | 32.0% |
| GUARANTEED RATE AFFINITY, LLC | 56 | 6.500% | $265,000 | 1.7% |
| EMM LOANS LLC | 52 | 6.563% | $240,000 | 5.4% |
| FBC MORTGAGE, LLC | 52 | 5.990% | $315,000 | 1.9% |
| Coastal Community Bank | 51 | 10.490% | $55,000 | 3.4% |
| WHITE ROSE CREDIT UNION | 50 | 6.575% | $55,000 | 18.0% |
| AmeriSave Mortgage Corporation | 48 | 7.000% | $130,000 | 56.4% |
| Mid Penn Bank | 43 | 7.000% | $205,000 | 21.4% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 43 | 6.500% | $255,000 | 0.0% |
| AMERICHOICE Federal Credit Union | 42 | 6.440% | $60,000 | 19.2% |
| SPRING EQ, LLC | 41 | 9.300% | $75,000 | 62.7% |
| DHI MORTGAGE COMPANY, LTD. | 41 | 6.125% | $375,000 | 6.7% |
| Univest Bank and Trust Co. | 41 | 6.850% | $215,000 | 6.8% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 40 | 5.890% | $75,000 | 4.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 40 | 6.750% | $275,000 | 13.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 39 | 6.500% | $265,000 | 2.4% |
| Bank of America, National Association | 38 | 6.365% | $125,000 | 48.0% |
| NFM, INC. | 38 | 6.438% | $290,000 | 0.0% |
| MDE HOME LOANS, LLC | 37 | 6.625% | $585,000 | 2.6% |
| Bank of Bird-in-Hand | 37 | Not published | $145,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 36 | 6.375% | $210,000 | 15.6% |
| GUARANTEED RATE, INC. | 34 | 6.500% | $235,000 | 12.8% |
| New Cumberland Federal Credit Union | 34 | 6.740% | $60,000 | 17.1% |
| Lendage, LLC | 33 | 12.000% | $55,000 | 21.7% |
| LAKEVIEW LOAN SERVICING, LLC | 32 | 6.563% | $180,000 | 57.0% |
| NEW DAY FINANCIAL, LLC | 32 | 6.990% | $245,000 | 41.4% |
| DIRECT MORTGAGE LOANS, LLC | 30 | 6.500% | $305,000 | 0.0% |
| 21st Mortgage Corporation | 28 | 11.255% | $70,000 | 82.7% |
| TIDEWATER MORTGAGE SERVICES, INC. | 28 | 6.625% | $225,000 | 3.5% |
| MERIDIAN BANK | 28 | 6.500% | $260,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 26 | 7.890% | $145,000 | 21.2% |
| UNION HOME MORTGAGE CORP. | 26 | 6.625% | $255,000 | 18.8% |
| Northwest Bank | 26 | 6.000% | $105,000 | 21.2% |
| Farmers and Merchants Trust Company of Chambersburg | 26 | 6.500% | $365,000 | 3.6% |
| THE LOAN STORE, INC. | 26 | 6.813% | $200,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 25 | 6.625% | $165,000 | 57.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 25 | 6.625% | $265,000 | 10.7% |
| Discover Bank | 24 | 8.660% | $80,000 | 66.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.375% | $165,000 | 28.1% |
| The Ephrata National Bank | 23 | 6.625% | $165,000 | 25.0% |
| Alcova Mortgage LLC | 23 | 6.750% | $295,000 | 0.0% |
| S&T Bank | 21 | 6.375% | $145,000 | 30.0% |
| POINT BREEZE Credit Union | 21 | 5.740% | $75,000 | 4.6% |
| U.S. Bank National Association | 20 | 7.308% | $180,000 | 48.7% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 20 | 6.375% | $135,000 | 39.4% |
| LOWER, LLC | 20 | 6.438% | $265,000 | 16.7% |
| LINKBANK | 20 | Not published | $220,000 | 16.7% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 20 | 5.625% | $135,000 | 4.6% |
| Horizon Farm Credit, ACA | 19 | 6.840% | $255,000 | 4.6% |
| PLANET HOME LENDING, LLC | 19 | 6.000% | $265,000 | 13.6% |
| Equity Prime Mortgage LLC | 18 | 6.250% | $285,000 | 13.6% |
| GoodLeap, LLC | 18 | 6.120% | $125,000 | 12.5% |
| Towne Bank | 18 | 6.495% | $265,000 | 5.3% |
| USAA Federal Savings Bank | 16 | 6.250% | $335,000 | 36.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 15 | 6.990% | $255,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 15 | 6.500% | $225,000 | 6.3% |
| Hershey Federal Credit Union | 15 | 7.500% | $135,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 15 | 6.500% | $225,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 14 | 5.938% | $305,000 | 29.0% |
| 254900M2C4Q6DATP2889 | 14 | 6.313% | $245,000 | 30.0% |
| TOWER Federal Credit Union | 14 | 6.625% | $130,000 | 36.4% |
| Integrity Home Mortgage Corporation | 13 | 6.250% | $285,000 | 5.9% |
| Pennian Bank | 13 | Not published | $165,000 | 0.0% |
| CITIZENS & NORTHERN BANK | 13 | 7.125% | $205,000 | 0.0% |
| KIND LENDING, LLC | 12 | 7.000% | $295,000 | 20.0% |
| BPL MORTGAGE TRUST, LLC | 12 | 7.625% | $150,000 | 7.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | 6.688% | $255,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 12 | 6.808% | $290,000 | 0.0% |
| Mortgage America, Inc. | 12 | 6.688% | $235,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 11 | 11.500% | $55,000 | 74.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 6.301% | $365,000 | 7.7% |
| PLAZA HOME MORTGAGE, INC. | 11 | 6.625% | $275,000 | 35.3% |
| First Commonwealth Bank | 11 | 6.500% | $185,000 | 31.3% |
| Prosperity Home Mortgage, LLC | 11 | 6.250% | $315,000 | 8.3% |
| First Heritage Mortgage, LLC | 11 | 6.125% | $235,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 6.625% | $170,000 | 65.5% |
| The Federal Savings Bank | 10 | 6.563% | $275,000 | 28.6% |
| 254900CTT87ZKAUTIJ37 | 10 | 8.120% | $175,000 | 16.7% |
| ENVOY MORTGAGE, LTD | 10 | 6.625% | $360,000 | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 10 | 6.375% | $285,000 | 16.7% |
| JONESTOWN BANK AND TRUST COMPANY OF JONESTOWN PENNSYLVANIA | 10 | Not published | $150,000 | 9.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 39.3% |
| EMBRACE HOME LOANS, INC. | 9 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GENEVA FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 30.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 16.7% |
| Third Federal Savings and Loan Association of Cleveland | 8 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| 549300A6NF3MQMOHKJ20 | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GO MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Ixonia Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 7 | Under 10 loans | Under 10 loans | 65.8% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 70.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 16.7% |
| TD Bank, National Association | 7 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| United Nations Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 66.7% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CITADEL FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Ballston Spa National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 20.0% |
| POLARIS HOME FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AmeriServ Financial Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kish Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 3 | Under 10 loans | Under 10 loans | 73.9% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 244 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in York County
91 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Manufacturers and Traders Trust Company | 24 | $2.7 billion |
| Orrstown Bank | 14 | $1.4 billion |
| Truist Bank | 10 | $904.8 million |
| ACNB Bank | 9 | $772.0 million |
| Fulton Bank, National Association | 7 | $1.3 billion |
| Wells Fargo Bank, National Association | 5 | $608.7 million |
| Santander Bank, N.A. | 5 | $453.7 million |
| First National Bank of Pennsylvania | 5 | $393.1 million |
| PNC Bank, National Association | 4 | $695.7 million |
| Woodforest National Bank | 3 | $8.8 million |
| Citizens Bank, National Association | 1 | $170.1 million |
| Northwest Bank | 1 | $76.7 million |
| Citizens & Northern Bank | 1 | $45.5 million |
| Univest Bank and Trust Co. | 1 | $27.2 million |
| Wilmington Trust, National Association | 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.