1st 2nd Mortgage Company of N.j. in Pennsylvania vs the state
10.7%Denial rate-7.58 pts vs state
15.0%Decision denial rate-7.21 pts vs state
57.1%Origination rate-3.82 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.16 pts vs state
$106kMedian applicant income
16Loans originated
3Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 15 | 12.0% | 6.99% | #573 |
| 2024 | 22 | 17 | 0.0% | 6.75% | #595 |
| 2025 | 28 | 16 | 10.7% | 6.63% | #560 |
What 1st 2nd Mortgage Company of N.j. lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most 1st 2nd Mortgage Company of N.j. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 10 | 7 | 1 | 10.0% |
| Luzerne County | 4 | 1 | 0 | 0.0% |
| Westmoreland County | 2 | 0 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 1 | 50.0% |
| Delaware County | 2 | 1 | 0 | 0.0% |
| Chester County | 2 | 2 | 0 | 0.0% |
| Cumberland County | 2 | 1 | 0 | 0.0% |
| Bucks County | 2 | 1 | 1 | 50.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Lehigh County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 28 applications in 2025, of which 16 were originated and 3 denied.
10.7% of all applications, or 15.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans 1st 2nd Mortgage Company of N.j. originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are 1st 2nd Mortgage Company of N.j.'s own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology