American Pacific Mortgage in Pennsylvania vs the state
8.5%Denial rate-9.80 pts vs state
9.9%Decision denial rate-12.34 pts vs state
77.3%Origination rate+16.30 pts vs state
6.75%Median rate+0.13 pts vs state
0.59Rate spread (pts)+0.35 pts vs state
$93kMedian applicant income
282Loans originated
31Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 125 | 89 | 9.6% | 7.13% | #345 |
| 2024 | 125 | 100 | 6.4% | 6.75% | #339 |
| 2025 | 365 | 282 | 8.5% | 6.75% | #208 |
What American Pacific Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 52 | 40 | 6 | 11.5% |
| Franklin County | 50 | 41 | 1 | 2.0% |
| Dauphin County | 41 | 27 | 8 | 19.5% |
| Cumberland County | 40 | 33 | 2 | 5.0% |
| Lancaster County | 39 | 38 | 0 | 0.0% |
| Montgomery County | 20 | 17 | 0 | 0.0% |
| Chester County | 17 | 12 | 0 | 0.0% |
| Philadelphia County | 15 | 4 | 4 | 26.7% |
| Adams County | 11 | 10 | 0 | 0.0% |
| Bucks County | 11 | 10 | 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: 365 applications in 2025, of which 282 were originated and 31 denied.
8.5% of all applications, or 9.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans American Pacific Mortgage originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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