Alcova Mortgage in Pennsylvania vs the state
5.6%Denial rate-12.73 pts vs state
5.9%Decision denial rate-16.33 pts vs state
84.9%Origination rate+23.89 pts vs state
6.75%Median rate+0.13 pts vs state
0.49Rate spread (pts)+0.25 pts vs state
$84kMedian applicant income
168Loans originated
11Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 166 | 139 | 2.4% | 6.99% | #296 |
| 2024 | 186 | 152 | 7.5% | 6.75% | #278 |
| 2025 | 198 | 168 | 5.6% | 6.75% | #275 |
What Alcova Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Alcova Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 58 | 48 | 3 | 5.2% |
| Luzerne County | 38 | 31 | 5 | 13.2% |
| York County | 25 | 23 | 0 | 0.0% |
| Dauphin County | 10 | 8 | 0 | 0.0% |
| Somerset County | 9 | 7 | 0 | 0.0% |
| Bedford County | 8 | 7 | 0 | 0.0% |
| Schuylkill County | 7 | 6 | 1 | 14.3% |
| Berks County | 5 | 5 | 0 | 0.0% |
| Cumberland County | 5 | 5 | 0 | 0.0% |
| Philadelphia County | 4 | 4 | 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: 198 applications in 2025, of which 168 were originated and 11 denied.
5.6% of all applications, or 5.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Alcova Mortgage originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Alcova 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