Refinancing lenders in York County
2,446 refinancing mortgages were made in York County, Pennsylvania, in 2025, by 211 lenders. The median rate their borrowers got was 6.375% on a median loan of $155,000. Of 3,228 decisions, 652 were denials — 20.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MEMBERS 1ST | 393 | 6.240% | $105,000 | 27.6% |
| Manufacturers and Traders Trust Company | 278 | 5.990% | $105,000 | 12.5% |
| NYMEO FEDERAL CREDIT UNION | 156 | 6.625% | $155,000 | 0.0% |
| Kiavi Funding, Inc. | 127 | 6.875% | $115,000 | 2.3% |
| Rocket Mortgage, LLC | 111 | 5.990% | $255,000 | 19.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 104 | 5.750% | $305,000 | 18.6% |
| FIRST CAPITAL Federal Credit Union | 90 | 7.000% | $95,000 | 9.1% |
| Citizens Bank, National Association | 87 | 7.500% | $195,000 | 23.3% |
| Orrstown Bank | 70 | 5.870% | $170,000 | 25.8% |
| Truist Bank | 64 | 6.090% | $135,000 | 38.2% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 62 | 7.000% | $105,000 | 12.5% |
| PENNYMAC LOAN SERVICES, LLC | 58 | 5.990% | $270,000 | 7.4% |
| ACNB Bank | 56 | 7.000% | $160,000 | 20.0% |
| First National Bank of Pennsylvania | 50 | 6.390% | $140,000 | 32.9% |
| PNC Bank, National Association | 50 | 7.670% | $105,000 | 17.5% |
| FREEDOM MORTGAGE CORPORATION | 48 | 6.250% | $295,000 | 10.3% |
| Fulton Bank, National Association | 48 | 6.490% | $135,000 | 32.4% |
| BELCO COMMUNITY CREDIT UNION | 40 | 7.500% | $90,000 | 17.3% |
| NEWREZ LLC | 22 | 6.188% | $335,000 | 34.3% |
| Mortgage Research Center, LLC | 22 | 5.875% | $350,000 | 52.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 21 | 5.990% | $255,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 17 | 6.250% | $265,000 | 22.7% |
| MOVEMENT MORTGAGE, LLC | 16 | 5.990% | $315,000 | 4.8% |
| GUILD MORTGAGE COMPANY | 16 | 6.125% | $285,000 | 5.9% |
| CMG MORTGAGE, INC. | 14 | 6.563% | $215,000 | 16.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 13 | 5.875% | $305,000 | 14.3% |
| Hershey Federal Credit Union | 13 | 7.500% | $155,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 6.250% | $260,000 | 58.1% |
| Navy Federal Credit Union | 11 | 5.875% | $345,000 | 7.7% |
| HERITAGE VALLEY | 11 | 6.490% | $95,000 | 15.4% |
| PLANET HOME LENDING, LLC | 11 | 5.990% | $285,000 | 8.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.250% | $145,000 | 0.0% |
| Bank of Bird-in-Hand | 11 | Not published | $155,000 | 0.0% |
| AMERICHOICE Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 35.7% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 61.9% |
| RADIUS FINANCIAL GROUP INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Univest Bank and Trust Co. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 42.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 11.1% |
| S&T Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| New Cumberland Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| POINT BREEZE Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS & NORTHERN BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Horizon Farm Credit, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriServ Financial Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LINKBANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Ephrata National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 72.7% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MDE HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JONESTOWN BANK AND TRUST COMPANY OF JONESTOWN PENNSYLVANIA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANCO Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pennian Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SkyPoint Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage America, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Landisburg | 1 | Under 10 loans | Under 10 loans | 0.0% |
| APL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Trust Company of Chambersburg | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Clearview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBC Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Homesale Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WHITE ROSE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHESSIE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FM Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLEGACY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TD Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Archwest Funding | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| State Department Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Old National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE EQUITY PARTNERS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PATRIOT | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 11 lenders each made 0 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.