21st Mortgage in Pennsylvania vs the state
47.6%Denial rate+29.33 pts vs state
74.1%Decision denial rate+51.91 pts vs state
16.0%Origination rate-45.01 pts vs state
10.89%Median rate+4.27 pts vs state
5.43Rate spread (pts)+5.19 pts vs state
$60kMedian applicant income
443Loans originated
1,323Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,486 | 396 | 48.8% | 10.77% | #38 |
| 2024 | 2,707 | 448 | 49.4% | 10.99% | #39 |
| 2025 | 2,778 | 443 | 47.6% | 10.89% | #42 |
What 21st Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 299 | 43 | 135 | 45.2% |
| York County | 271 | 28 | 134 | 49.4% |
| Berks County | 137 | 20 | 62 | 45.3% |
| Washington County | 120 | 26 | 55 | 45.8% |
| Chester County | 117 | 10 | 55 | 47.0% |
| Bucks County | 111 | 15 | 50 | 45.0% |
| Cumberland County | 96 | 14 | 45 | 46.9% |
| Westmoreland County | 95 | 16 | 53 | 55.8% |
| Lebanon County | 94 | 24 | 34 | 36.2% |
| Erie County | 94 | 14 | 49 | 52.1% |
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: 2,778 applications in 2025, of which 443 were originated and 1,323 denied.
47.6% of all applications, or 74.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans 21st Mortgage originated in Pennsylvania in 2025 was 10.89%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage'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