American Federal Mortgage in Pennsylvania vs the state
2.5%Denial rate-15.84 pts vs state
3.4%Decision denial rate-18.85 pts vs state
70.6%Origination rate+9.63 pts vs state
6.25%Median rate-0.38 pts vs state
-0.21Rate spread (pts)-0.45 pts vs state
$160kMedian applicant income
144Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 144 | 96 | 2.1% | 6.63% | #322 |
| 2024 | 168 | 107 | 0.0% | 6.50% | #296 |
| 2025 | 204 | 144 | 2.5% | 6.25% | #270 |
What American Federal Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most American Federal Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 32 | 20 | 1 | 3.1% |
| Bucks County | 26 | 21 | 0 | 0.0% |
| Philadelphia County | 23 | 16 | 2 | 8.7% |
| Chester County | 22 | 14 | 1 | 4.5% |
| Delaware County | 18 | 13 | 0 | 0.0% |
| Lehigh County | 15 | 11 | 0 | 0.0% |
| Cumberland County | 15 | 14 | 0 | 0.0% |
| Allegheny County | 13 | 5 | 0 | 0.0% |
| Northampton County | 8 | 8 | 0 | 0.0% |
| Lancaster County | 5 | 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: 204 applications in 2025, of which 144 were originated and 5 denied.
2.5% of all applications, or 3.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans American Federal Mortgage originated in Pennsylvania in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are American Federal 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