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Chester County, Pennsylvania · 2025

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

475 lenders acted on 20,818 mortgage applications for properties in Chester County in 2025. 14.6% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.58%; median loan $265,000; median property value $595,000.

21kApplications
14.6%Denial ratestate 18.3%
6.58%Median ratestate 6.63%
$265,000Median loan
$595,000Median property value

Largest lenders in Chester County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Citadel Federal Credit Union C 1,8341,096 17.3%3.99%
2 Citizens Bank C 1,278805 22.7%7.40%
3 Rocket Mortgage C 826618 14.7%6.63%
4 United Shore Financial Services B 693565 7.4%6.13%
5 Crosscountry Mortgage B 686546 1.8%6.75%
6 PNC Bank D 630419 17.8%7.44%
7 Trumark Financial Credit Union C 490302 20.8%6.74%
8 Guaranteed Rate B 485313 2.3%6.56%
9 Wilmington Savings Fund Society B 447333 11.6%7.25%
10 Pennymac Loan Services C 426279 7.3%6.62%
11 TD Bank D 423282 14.0%7.29%
12 Bank of America F 390221 20.0%5.99%
13 Truist Bank C 380191 36.3%6.34%
14 NVR Mortgage Finance B 330257 7.6%6.50%
15 S&T Bank B 322204 33.5%3.99%
16 Franklin Mint B 313211 18.5%4.99%
17 Police & Fire C 310187 21.0%6.24%
18 Prosperity Home Mortgage A 295224 4.1%6.63%
19 CMG Mortgage A 290230 2.1%6.50%
20 Newrez D 27486 16.1%6.63%
21 PENNSYLVANIA STATE EMPLOYEES Credit Union C 221162 11.3%6.74%
22 Keystone Funding A 218183 1.8%6.50%
23 Fulton Bank C 210143 17.6%6.49%
24 Coastal Community Bank C 20445 1.5%9.99%
25 Broker Solutions D 20395 4.9%6.75%

Best approval odds in Chester County

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

#LenderDecidedDecision denial rate
1Bank of Bird-in-Hand500.0%
2Philadelphia Mortgage Advisors500.0%
3Guaranteed Rate Affinity540.0%
4Meridian Bank811.2%
5Nations Direct Mortgage731.4%
6Movement Mortgage1291.6%
7Keystone Funding2181.8%
8Coastal Community Bank1532.0%
9Crosscountry Mortgage5682.1%
10CMG Mortgage2482.4%

What Chester County borrowers applied for

By loan purpose

Home purchase 7,714 37% · 6.1% denied
Refinance 3,825 18% · 14.3% denied
Cash-out refinance 3,008 14% · 17.5% denied
Home improvement 2,988 14% · 22.0% denied
Other / HELOC 3,283 16% · 25.2% denied

By loan type

Conventional 19,130 92% · 14.6% denied
FHA 1,068 5% · 17.0% denied
VA 607 3% · 10.5% denied
USDA / RHS 13 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 1,113 37%
Credit history 718 24%
Incomplete application 435 14%
Collateral 383 13%
Other 192 6%
Unverifiable information 93 3%
Insufficient cash 38 1%
Employment history 36 1%

Chester County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202317,63910,88517.3%6.88%$215,000
202418,36711,45317.1%6.88%$245,000
202520,81813,20614.6%6.58%$265,000

Frequently asked questions

14.6% of applications in Chester County were denied in 2025, against 18.3% statewide in Pennsylvania.

Citadel Federal Credit Union, with 1,834 applications in 2025 and a denial rate of 17.3%.

The median mortgage application in Chester County in 2025 was for $265,000; the median property value on originated loans was $595,000.