Arc Home in Pennsylvania vs the state
12.2%Denial rate-6.06 pts vs state
16.8%Decision denial rate-5.38 pts vs state
59.7%Origination rate-1.25 pts vs state
7.50%Median rate+0.88 pts vs state
0.88Rate spread (pts)+0.64 pts vs state
$182kMedian applicant income
83Loans originated
17Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 238 | 151 | 22.3% | 6.99% | #251 |
| 2024 | 163 | 92 | 11.0% | 7.50% | #302 |
| 2025 | 139 | 83 | 12.2% | 7.50% | #334 |
What Arc Home lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 33 | 20 | 3 | 9.1% |
| Bucks County | 24 | 17 | 1 | 4.2% |
| Montgomery County | 21 | 13 | 3 | 14.3% |
| Allegheny County | 14 | 9 | 2 | 14.3% |
| Lackawanna County | 5 | 4 | 0 | 0.0% |
| Delaware County | 5 | 4 | 0 | 0.0% |
| Monroe County | 5 | 2 | 0 | 0.0% |
| Berks County | 4 | 3 | 1 | 25.0% |
| Franklin County | 4 | 2 | 2 | 50.0% |
| Wayne County | 3 | 1 | 1 | 33.3% |
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: 139 applications in 2025, of which 83 were originated and 17 denied.
12.2% of all applications, or 16.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Arc Home originated in Pennsylvania in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Arc Home'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