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York County, Pennsylvania · 2025

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

432 lenders acted on 19,899 mortgage applications for properties in York County in 2025. 17.9% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.50%; median loan $165,000; median property value $315,000.

20kApplications
17.9%Denial ratestate 18.3%
6.50%Median ratestate 6.63%
$165,000Median loan
$315,000Median property value

Largest lenders in York County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Members 1st B 2,4151,417 31.3%1.99%
2 Rocket Mortgage C 932662 18.4%6.63%
3 Manufacturers and Traders Trust C 865607 22.3%5.99%
4 ACNB Bank B 860681 10.0%6.75%
5 Crosscountry Mortgage B 613477 3.8%6.63%
6 Fulton Bank C 567413 15.9%6.49%
7 FIRST CAPITAL Federal Credit Union C 485312 15.3%5.99%
8 United Shore Financial Services B 464295 14.2%6.13%
9 PENNSYLVANIA STATE EMPLOYEES Credit Union C 453324 12.8%6.64%
10 Pennymac Loan Services C 444269 11.0%6.38%
11 CMG Mortgage A 439366 1.4%6.63%
12 Truist Bank C 355187 36.6%6.39%
13 PNC Bank D 339201 24.8%7.90%
14 Guild Mortgage A 337294 1.5%6.63%
15 Orrstown Bank A 325229 24.0%4.60%
16 First National Bank of Pennsylvania B 297162 30.6%6.49%
17 Movement Mortgage A 296238 2.0%6.75%
18 Citizens Bank C 295179 27.8%7.65%
19 Newrez D 290122 19.3%6.69%
20 Mortgage Research Center C 288122 20.1%6.25%
21 Navy Federal Credit Union D 277130 18.4%7.75%
22 Radius Financial Group B 276222 0.7%6.63%
23 21st Mortgage F 27128 49.5%11.26%
24 Freedom Mortgage B 257103 12.1%6.25%
25 Kiavi Funding D 249151 1.6%6.88%

Best approval odds in York County

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

#LenderDecidedDecision denial rate
1Rf Renovo Management Company910.0%
2Nymeo Federal Credit Union1560.0%
3Radius Financial Group2280.9%
4CMG Mortgage3911.5%
5Guild Mortgage3081.6%
6Guaranteed Rate Affinity581.7%
7Fbc Mortgage531.9%
8Movement Mortgage2742.2%
9Kiavi Funding1562.6%
10Coastal Community Bank1493.4%

What York County borrowers applied for

By loan purpose

Home purchase 7,716 39% · 9.2% denied
Refinance 3,937 20% · 16.6% denied
Cash-out refinance 2,598 13% · 20.5% denied
Home improvement 2,689 14% · 26.9% denied
Other / HELOC 2,959 15% · 31.9% denied

By loan type

Conventional 15,765 79% · 18.9% denied
FHA 2,579 13% · 15.1% denied
VA 1,464 7% · 12.7% denied
USDA / RHS 91 0% · 4.4% denied

Why applications were denied

Debt-to-income ratio 1,171 33%
Credit history 1,034 29%
Collateral 452 13%
Incomplete application 376 11%
Other 270 8%
Unverifiable information 163 5%
Insufficient cash 62 2%
Employment history 26 1%

York County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202317,49310,75720.9%6.75%$135,000
202418,74011,55120.5%6.75%$145,000
202519,89912,50417.9%6.50%$165,000

Frequently asked questions

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

Members 1st, with 2,415 applications in 2025 and a denial rate of 31.3%.

The median mortgage application in York County in 2025 was for $165,000; the median property value on originated loans was $315,000.