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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%One lender: 29% approved of 2,067One lender: 39% approved of 308One lender: 43% approved of 934One lender: 57% approved of 928One lender: 59% approved of 1,008One lender: 61% approved of 2,993One lender: 62% approved of 1,094One lender: 63% approved of 1,001One lender: 63% approved of 757First National Bank of Pennsylvania: 65% approved of 4,675One lender: 67% approved of 317One lender: 68% approved of 549One lender: 68% approved of 714One lender: 68% approved of 498Members 1St: 69% approved of 5,991One lender: 70% approved of 657One lender: 70% approved of 2,451One lender: 71% approved of 1,972One lender: 72% approved of 366One lender: 72% approved of 789One lender: 72% approved of 301Citizens Bank, National Association: 74% approved of 14,002One lender: 74% approved of 1,330One lender: 75% approved of 1,467One lender: 75% approved of 876One lender: 75% approved of 395One lender: 77% approved of 324One lender: 77% approved of 739One lender: 77% approved of 471One lender: 78% approved of 321One lender: 78% approved of 3,097Rocket Mortgage, LLC: 79% approved of 4,218One lender: 80% approved of 1,008One lender: 80% approved of 910One lender: 80% approved of 462PNC Bank, National Association: 81% approved of 10,462One lender: 81% approved of 830One lender: 81% approved of 409One lender: 81% approved of 351One lender: 81% approved of 375One lender: 82% approved of 489One lender: 83% approved of 885One lender: 83% approved of 347One lender: 84% approved of 3,259One lender: 85% approved of 1,623One lender: 86% approved of 1,539One lender: 86% approved of 446One lender: 86% approved of 620One lender: 87% approved of 3,844One lender: 87% approved of 706One lender: 87% approved of 415One lender: 88% approved of 336One lender: 89% approved of 752One lender: 90% approved of 322One lender: 94% approved of 1,560One lender: 94% approved of 646One lender: 94% approved of 329One lender: 97% approved of 497One lender: 97% approved of 762One lender: 98% approved of 369

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

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 borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 752 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Pennsylvania. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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