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Berks County, Pennsylvania · 2025

Mortgage lenders in Berks County, PA: denial rates and top lenders (2025)

417 lenders acted on 15,430 mortgage applications for properties in Berks County in 2025. 19.8% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.63%; median loan $155,000; median property value $315,000.

15kApplications
19.8%Denial ratestate 18.3%
6.63%Median ratestate 6.63%
$155,000Median loan
$315,000Median property value

Largest lenders in Berks County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Diamond Credit Union B 849536 30.6%6.24%
2 Rocket Mortgage C 736528 19.4%6.88%
3 Citizens Bank C 628363 29.3%7.65%
4 Crosscountry Mortgage B 528407 4.2%6.63%
5 Mortgage America A 459375 1.3%6.63%
6 Members 1st B 457262 34.6%1.99%
7 United Shore Financial Services B 431291 17.9%6.50%
8 Fulton Bank C 390272 19.2%6.49%
9 Riverfront Federal Credit Union B 375260 28.0%5.55%
10 Truist Bank C 369202 33.1%6.63%
11 Pennymac Loan Services C 347206 13.8%6.43%
12 CMG Mortgage A 345282 4.4%6.63%
13 Manufacturers and Traders Trust C 344226 27.0%5.99%
14 First National Bank of Pennsylvania B 317163 38.8%6.25%
15 Tompkins Community Bank B 316222 23.1%3.25%
16 PENNSYLVANIA STATE EMPLOYEES Credit Union C 253177 16.6%6.64%
17 Newrez D 24185 22.8%6.75%
18 Visions Federal Credit Union C 221103 39.4%7.25%
19 First Commonwealth Federal Credit Union D 221153 16.7%7.24%
20 Broker Solutions D 219125 6.9%6.75%
21 Freedom Mortgage B 19278 12.5%6.25%
22 Univest Bank and Trust C 184149 1.6%6.75%
23 Unnamed lender 254900CTT87ZKAUTIJ37 F 178126 12.9%7.99%
24 Loandepot.Com D 169104 20.7%6.63%
25 Utilities Employees Credit Union C 161120 11.2%6.99%

Best approval odds in Berks County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Fleetwood Bank570.0%
2Rf Renovo Management Company700.0%
3Contour Mortgage811.2%
4Mortgage America3811.6%
5Guild Mortgage1241.6%
6Homesale Mortgage512.0%
7Univest Bank and Trust1522.0%
8Coastal Community Bank1192.5%
9Movement Mortgage673.0%
10CMG Mortgage3094.9%

What Berks County borrowers applied for

By loan purpose

Home purchase 5,617 36% · 10.2% denied
Refinance 2,519 16% · 17.8% denied
Cash-out refinance 2,631 17% · 21.4% denied
Home improvement 2,352 15% · 31.7% denied
Other / HELOC 2,311 15% · 31.3% denied

By loan type

Conventional 12,657 82% · 20.4% denied
FHA 2,079 13% · 17.2% denied
VA 650 4% · 16.6% denied
USDA / RHS 44 0% · 11.4% denied

Why applications were denied

Debt-to-income ratio 943 31%
Credit history 862 29%
Collateral 415 14%
Incomplete application 355 12%
Other 242 8%
Unverifiable information 102 3%
Insufficient cash 58 2%
Employment history 25 1%

Berks County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202313,5368,25321.4%6.75%$125,000
202414,1618,75120.6%6.75%$145,000
202515,4309,49419.8%6.63%$155,000

Frequently asked questions

19.8% of applications in Berks County were denied in 2025, against 18.3% statewide in Pennsylvania.

Diamond Credit Union, with 849 applications in 2025 and a denial rate of 30.6%.

The median mortgage application in Berks County in 2025 was for $155,000; the median property value on originated loans was $315,000.