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Lancaster County, Pennsylvania · 2025

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

407 lenders acted on 18,244 mortgage applications for properties in Lancaster County in 2025. 17.9% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.50%; median loan $175,000; median property value $375,000.

18kApplications
17.9%Denial ratestate 18.3%
6.50%Median ratestate 6.63%
$175,000Median loan
$375,000Median property value

Largest lenders in Lancaster County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Members 1st B 2,0031,216 29.5%1.99%
2 Fulton Bank C 1,218899 14.7%6.49%
3 The Ephrata National Bank A 921659 17.4%5.50%
4 Guild Mortgage A 905765 1.1%6.50%
5 Rocket Mortgage C 823627 15.7%6.63%
6 PENNSYLVANIA STATE EMPLOYEES Credit Union C 618458 11.8%6.64%
7 Truist Bank C 607355 32.6%6.49%
8 PNC Bank D 605367 19.5%7.79%
9 Pennymac Loan Services C 400270 10.3%6.50%
10 Crosscountry Mortgage B 348278 1.7%6.63%
11 Citizens Bank C 347205 24.8%7.65%
12 Belco Community Credit Union D 346226 26.0%7.50%
13 Univest Bank and Trust C 330263 6.7%7.00%
14 United Shore Financial Services B 312230 13.5%6.13%
15 Broker Solutions D 309195 5.2%6.63%
16 21st Mortgage F 29943 45.2%10.55%
17 Newrez D 292104 15.4%6.99%
18 First National Bank of Pennsylvania B 275147 34.2%6.24%
19 Bank of Bird-in-Hand A 252248 0.8%—
20 Northwest Bank B 235172 19.2%5.88%
21 Citadel Federal Credit Union C 231114 29.4%4.49%
22 Manufacturers and Traders Trust C 207135 26.1%5.99%
23 Loandepot.Com D 203123 17.2%6.63%
24 Freedom Mortgage B 19376 6.7%6.50%
25 Fairway Independent Mortgage B 180158 1.7%6.75%

Best approval odds in Lancaster County

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

#LenderDecidedDecision denial rate
1Bank of Bird-in-Hand2520.8%
2Homesale Mortgage1230.8%
3Guild Mortgage8051.2%
4Emm Loans701.4%
5Fairway Independent Mortgage1621.9%
6Horizon Farm Credit, ACA502.0%
7Crosscountry Mortgage2862.1%
8Coastal Community Bank1362.2%
9Amerihome Mortgage Company712.8%
10Alcova Mortgage545.6%

What Lancaster County borrowers applied for

By loan purpose

Home purchase 6,737 37% · 9.0% denied
Refinance 3,380 19% · 18.1% denied
Cash-out refinance 2,350 13% · 19.7% denied
Home improvement 2,915 16% · 26.0% denied
Other / HELOC 2,862 16% · 28.8% denied

By loan type

Conventional 16,054 88% · 18.2% denied
FHA 1,495 8% · 17.3% denied
VA 672 4% · 12.7% denied
USDA / RHS 23 0% · 17.4% denied

Why applications were denied

Debt-to-income ratio 1,188 37%
Credit history 881 27%
Collateral 407 13%
Incomplete application 324 10%
Other 213 7%
Unverifiable information 164 5%
Insufficient cash 37 1%
Employment history 19 1%

Lancaster County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202315,9529,93420.6%6.74%$145,000
202416,56610,20321.0%6.75%$155,000
202518,24411,69917.9%6.50%$175,000

Frequently asked questions

17.9% of applications in Lancaster County were denied in 2025, against 18.3% statewide in Pennsylvania.

Members 1st, with 2,003 applications in 2025 and a denial rate of 29.5%.

The median mortgage application in Lancaster County in 2025 was for $175,000; the median property value on originated loans was $375,000.