American Financial Network in Pennsylvania vs the state
9.8%Denial rate-8.46 pts vs state
14.9%Decision denial rate-7.36 pts vs state
55.7%Origination rate-5.30 pts vs state
6.75%Median rate+0.13 pts vs state
0.62Rate spread (pts)+0.38 pts vs state
$86kMedian applicant income
300Loans originated
53Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 598 | 318 | 6.7% | 6.88% | #118 |
| 2024 | 432 | 240 | 8.3% | 7.00% | #162 |
| 2025 | 539 | 300 | 9.8% | 6.75% | #149 |
What American Financial Network lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 107 | 44 | 23 | 21.5% |
| Delaware County | 59 | 28 | 3 | 5.1% |
| Bucks County | 38 | 20 | 8 | 21.1% |
| Montgomery County | 28 | 13 | 2 | 7.1% |
| Luzerne County | 27 | 14 | 2 | 7.4% |
| Allegheny County | 24 | 17 | 0 | 0.0% |
| Lehigh County | 20 | 19 | 1 | 5.0% |
| Northampton County | 20 | 15 | 0 | 0.0% |
| Monroe County | 19 | 10 | 1 | 5.3% |
| Berks County | 17 | 12 | 2 | 11.8% |
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: 539 applications in 2025, of which 300 were originated and 53 denied.
9.8% of all applications, or 14.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans American Financial Network originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are American Financial Network'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