Mortgage lending in Chester County, Pennsylvania
Lenders in Chester County, Pennsylvania reported 20,818 mortgage applications for 2025, according to the CFPB.
20,818 mortgage applications and 13,206 loans originated in 2025; the denial rate was 18.0% of 16,878 applications decided. The median loan was about $305,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA.
- 20,818
- Applications
- 13,206
- Loans originated
- 18.0%
- Denial rate
- 3,031 denied of 16,878 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 20,818 | 13,206 |
| 2024 | 18,367 | 11,453 |
| 2023 | 17,639 | 10,885 |
| 2022 | 25,595 | 16,416 |
| 2021 | 44,979 | 30,308 |
| 2020 | 44,293 | 29,071 |
| 2019 | 27,455 | 17,454 |
| 2018 | 24,304 | 15,126 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Citadel Federal Credit Union | 1,096 | 1,834 |
| Citizens Bank, NA | 805 | 1,278 |
| Rocket Mortgage | 618 | 826 |
| United Wholesale Mortgage | 565 | 693 |
| Crosscountry Mortgage, LLC | 546 | 686 |
| PNC Bank N.A. | 419 | 630 |
| WSFS bank | 333 | 447 |
| Guaranteed Rate, Inc. | 313 | 485 |
| TruMark Financial Credit Union | 302 | 490 |
| TD Bank | 282 | 423 |
| Pennymac Loan Services LLC | 279 | 426 |
| NVR Mortgage Finance, Inc. | 257 | 330 |
| CMG Mortgage Inc | 230 | 290 |
| Prosperity Home Mortgage, LLC | 224 | 295 |
| Bank of America NA | 221 | 390 |
| Franklin Mint Federal Credit Union | 211 | 313 |
| S&T Bank | 204 | 322 |
| Truist Bank | 191 | 380 |
| Police and Fire Federal Credit Union | 187 | 310 |
| Keystone Funding, Inc | 183 | 218 |
| Pennsylvania State Employees Credit Union | 162 | 221 |
| Guild Mortgage Company | 155 | 194 |
| Fulton Bank, National Association | 143 | 210 |
| Lennar Mortgage, LLC | 135 | 154 |
| JPMorgan Chase Bank, NA | 135 | 199 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 39 | no rate: base under 50 |
| Asian | 2,078 | 15.0% of 1,647 decided |
| Black or African American | 649 | 35.6% of 506 decided |
| Native Hawaiian or Other Pacific Islander | 17 | no rate: base under 50 |
| White | 14,598 | 17.1% of 12,054 decided |
| 2 or more minority races | withheld | |
| Joint | 397 | 10.8% of 315 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,021 | 20.9% of 2,300 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 728 | 29.7% of 593 decided |
| Not Hispanic or Latino | 16,776 | 17.2% of 13,765 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,987 | 19.9% of 2,261 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 6,811 | 20.8% of 5,494 decided |
| Female | 3,676 | 24.8% of 2,955 decided |
| Joint | 8,698 | 12.6% of 7,230 decided |
| Sex Not Available | 1,633 | 20.4% of 1,199 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. 276 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