Berks County
Pennsylvania · FIPS 42011
According to CFPB HMDA 2024 application volume among U.S. counties, Berks County ranks #187 of 3,223, and #9 of 67 in Pennsylvania.
Mortgage lending activity in Berks County, Pennsylvania based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Berks County, Pennsylvania lenders denied 2,915 of the applications reported here, financing the rest at an average note rate of 6.92%, with applicants self-reporting average annual income of $38K. 355 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Berks County
In Berks County, lead originator Diamond Credit Union funded only 7.5% of 8,750 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Berks County's 15,463 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Berks County's $184,110 average loan (deduped against volume peers).
Lenders active in Berks County
Diamond Credit Union funded 657 of the 8,750 loans originated in Berks County, 7.5% of the county. 355 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Diamond Credit Union | 657 | 7.5% |
| 2 | Rocket Mortgage | 468 | 5.3% |
| 3 | Mortgage America, INC. | 360 | 4.1% |
| 4 | Crosscountry Mortgage, LLC | 321 | 3.7% |
| 5 | CBNA Year to Date | 316 | 3.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Berks County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Berks County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.