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refinance lenders · HMDA 2023–2025

Refinance lenders in Pennsylvania

Fat Boy Data analyzed mortgage refinance activity in Pennsylvania to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 113,794 applications were decided by 757 lenders between 2023 and 2025.

Pennsylvania at a glance

757Active lenders281 with 20+ decisions
75.8%Market approval rate86,266 of 113,794 decided
$115KTypical loanmedian lender, $10K brackets
95%Borrower take-up82,052 loans funded

How Pennsylvania compares

Approval rate compared
Pennsylvania75.8%All 616 counties76.5%
Typical loan compared
Pennsylvania$115KAll 616 counties$295K

What the data shows

Citizens Bank, National Association made the most mortgage refinances in Pennsylvania, 9,887 of them.

Merck Sharp & Dohme Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 98% of 369.

The typical mortgage refinance here is $115K, 61% smaller than the the United States typical of $295K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 29% approved of 2,067Spring Eq, LLC: 39% approved of 308Lakeview Loan Servicing, LLC: 43% approved of 934Mortgage Research Center, LLC: 57% approved of 928Newrez LLC: 59% approved of 1,008Truist Bank: 61% approved of 2,993The Huntington National Bank: 62% approved of 1,094Bank of America, National Association: 63% approved of 1,001American Heritage FCU: 63% approved of 757First National Bank of Pennsylvania: 65% approved of 4,675Milend, Inc.: 67% approved of 317Third Federal Savings And Loan Association Of Cleveland: 68% approved of 549KeyBank National Association: 68% approved of 714The Ephrata National Bank: 68% approved of 498Members 1St: 69% approved of 5,991Wells Fargo Bank, National Association: 70% approved of 657First Commonwealth Bank: 70% approved of 2,451S&T Bank: 71% approved of 1,972Loandepot.Com, LLC: 72% approved of 366Royal United Mortgage LLC: 72% approved of 789Patriot Credit Union: 72% approved of 301Citizens Bank, National Association: 74% approved of 14,002TD Bank, National Association: 74% approved of 1,330Fulton Bank, National Association: 75% approved of 1,467Trumark Credit Union: 75% approved of 876Erie Federal Credit Union: 75% approved of 395Mid Penn Bank: 77% approved of 324Orrstown Bank: 77% approved of 739People First Federal Credit Union: 77% approved of 471Peoples Security Bank and Trust Company: 78% approved of 321Dollar Bank, Federal Savings Bank: 78% approved of 3,097Rocket Mortgage, LLC: 79% approved of 4,218Wilmington Savings Fund Society, FSB: 80% approved of 1,008Franklin Mint: 80% approved of 910ACNB Bank: 80% approved of 462PNC Bank, National Association: 81% approved of 10,462Clearview Federal Credit Union: 81% approved of 830First Commonwealth Federal Credit Union: 81% approved of 409Planet Home Lending, LLC: 81% approved of 351Nationstar Mortgage LLC: 81% approved of 375Embassy Bank For The Lehigh Valley: 82% approved of 489Diamond Credit Union: 83% approved of 885Farmers and Merchants Trust Company of Chambersburg: 83% approved of 347Manufacturers and Traders Trust Company: 84% approved of 3,259Pennymac Loan Services, LLC: 85% approved of 1,623Pennsylvania State Employees Credit Union: 86% approved of 1,539Mutual of Omaha Mortgage, Inc.: 86% approved of 446Univest Bank and Trust Co.: 86% approved of 620United Wholesale Mortgage, LLC: 87% approved of 3,844Belco Community Credit Union: 87% approved of 706Penn Community Bank: 87% approved of 415Cmg Mortgage, Inc.: 88% approved of 336Village Capital & Investment LLC: 89% approved of 752JPMorgan Chase Bank, National Association: 90% approved of 322Freedom Mortgage Corporation: 94% approved of 1,560Jersey Shore State Bank: 94% approved of 646Union Home Mortgage Corp.: 94% approved of 329Movement Mortgage, LLC: 97% approved of 497Crosscountry Mortgage, LLC: 97% approved of 762Merck Sharp & Dohme Federal Credit Union: 98% approved of 369

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Pennsylvania

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association74%10,292 / 14,00296%$175K9,887
2PNC Bank, National Association81%8,429 / 10,46296%$105K8,112
3Members 1St69%4,147 / 5,99197%$95K4,043
4First National Bank of Pennsylvania65%3,058 / 4,67598%$115K3,006
5Rocket Mortgage, LLC79%3,313 / 4,21892%$235K3,053

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 752 more lenders.

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Other lending data for Pennsylvania

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Counties in Pennsylvania

Philadelphia CountyCountyAllegheny CountyCountyMontgomery CountyCountyBucks CountyCountyDelaware CountyCountyLancaster CountyCountyChester CountyCountyYork CountyCountyBerks CountyCountyLehigh CountyCountyWestmoreland CountyCountyLuzerne CountyCounty