Mortgage lending in Berks County, Pennsylvania
Lenders in Berks County, Pennsylvania reported 15,430 mortgage applications for 2025, according to the CFPB.
15,430 mortgage applications and 9,494 loans originated in 2025; the denial rate was 23.4% of 13,072 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Reading, PA MSA.
- 15,430
- Applications
- 9,494
- Loans originated
- 23.4%
- Denial rate
- 3,053 denied of 13,072 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 15,430 | 9,494 |
| 2024 | 14,161 | 8,751 |
| 2023 | 13,536 | 8,253 |
| 2022 | 17,116 | 10,644 |
| 2021 | 24,522 | 16,084 |
| 2020 | 21,165 | 13,763 |
| 2019 | 16,293 | 10,310 |
| 2018 | 14,641 | 9,064 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Diamond Credit Union | 536 | 849 |
| Rocket Mortgage | 528 | 736 |
| Crosscountry Mortgage, LLC | 407 | 528 |
| Mortgage America, Inc. | 375 | 459 |
| Citizens Bank, NA | 363 | 628 |
| United Wholesale Mortgage | 291 | 431 |
| CMG Mortgage Inc | 282 | 345 |
| Fulton Bank, National Association | 272 | 390 |
| Members 1ST Fcu | 262 | 457 |
| Riverfront FCU | 260 | 375 |
| M&T Bank | 226 | 344 |
| Tompkins Community Bank | 222 | 316 |
| Pennymac Loan Services LLC | 206 | 347 |
| Truist Bank | 202 | 369 |
| Pennsylvania State Employees Credit Union | 177 | 253 |
| First National Bank of PA | 163 | 317 |
| First Commonwealth Federal Cre | 153 | 221 |
| Univest Bank and Trust Co. | 149 | 184 |
| CV3 Financial Services, LLC | 126 | 178 |
| New American Funding, LLC. | 125 | 219 |
| Utilities Employees Credit Union | 120 | 161 |
| Guild Mortgage Company | 114 | 143 |
| Customers Bank | 111 | 130 |
| Discovery Federal Credit Union | 109 | 147 |
| loanDepot.com LLC | 104 | 169 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 85 | 43.2% of 74 decided |
| Asian | 260 | 24.4% of 201 decided |
| Black or African American | 808 | 37.3% of 671 decided |
| Native Hawaiian or Other Pacific Islander | 31 | no rate: base under 50 |
| White | 11,033 | 21.4% of 9,524 decided |
| 2 or more minority races | withheld | |
| Joint | 196 | 26.0% of 169 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,981 | 26.0% of 2,373 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,740 | 31.0% of 2,384 decided |
| Not Hispanic or Latino | 10,085 | 21.1% of 8,643 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,390 | 23.8% of 1,861 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,541 | 25.7% of 4,609 decided |
| Female | 3,377 | 29.9% of 2,904 decided |
| Joint | 4,941 | 16.8% of 4,352 decided |
| Sex Not Available | 1,571 | 22.2% of 1,207 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1466 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved