American Financial Resources in Pennsylvania vs the state
5.1%Denial rate-13.17 pts vs state
6.4%Decision denial rate-15.86 pts vs state
74.6%Origination rate+13.60 pts vs state
6.63%Median rate0.00 pts vs state
0.42Rate spread (pts)+0.18 pts vs state
$94kMedian applicant income
422Loans originated
29Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 137 | 72 | 15.3% | 6.69% | #329 |
| 2024 | 241 | 157 | 8.7% | 6.75% | #244 |
| 2025 | 566 | 422 | 5.1% | 6.63% | #145 |
What American Financial Resources lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 64 | 44 | 3 | 4.7% |
| Lehigh County | 55 | 44 | 1 | 1.8% |
| Erie County | 34 | 30 | 0 | 0.0% |
| Northampton County | 34 | 27 | 2 | 5.9% |
| Allegheny County | 29 | 23 | 1 | 3.4% |
| Montgomery County | 28 | 20 | 2 | 7.1% |
| Monroe County | 27 | 21 | 1 | 3.7% |
| Delaware County | 22 | 17 | 1 | 4.5% |
| Luzerne County | 20 | 12 | 3 | 15.0% |
| Berks County | 18 | 13 | 2 | 11.1% |
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: 566 applications in 2025, of which 422 were originated and 29 denied.
5.1% of all applications, or 6.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans American Financial Resources originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Financial Resources'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