American Financing in Pennsylvania vs the state
43.9%Denial rate+25.57 pts vs state
59.1%Decision denial rate+36.85 pts vs state
21.5%Origination rate-39.47 pts vs state
6.13%Median rate-0.50 pts vs state
0.25Rate spread (pts)+0.01 pts vs state
$82kMedian applicant income
147Loans originated
300Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 370 | 59 | 42.7% | 6.25% | #172 |
| 2024 | 590 | 110 | 57.3% | 5.99% | #128 |
| 2025 | 684 | 147 | 43.9% | 6.13% | #128 |
What American Financing lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 58 | 10 | 28 | 48.3% |
| Philadelphia County | 45 | 6 | 27 | 60.0% |
| York County | 36 | 7 | 21 | 58.3% |
| Westmoreland County | 30 | 10 | 14 | 46.7% |
| Lancaster County | 30 | 10 | 5 | 16.7% |
| Chester County | 23 | 5 | 7 | 30.4% |
| Montgomery County | 22 | 4 | 10 | 45.5% |
| Erie County | 22 | 7 | 6 | 27.3% |
| Monroe County | 22 | 5 | 9 | 40.9% |
| Lehigh County | 21 | 1 | 13 | 61.9% |
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: 684 applications in 2025, of which 147 were originated and 300 denied.
43.9% of all applications, or 59.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans American Financing originated in Pennsylvania in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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