Ark Mortgage in Pennsylvania vs the state
3.5%Denial rate-14.84 pts vs state
4.3%Decision denial rate-17.95 pts vs state
74.1%Origination rate+13.18 pts vs state
7.38%Median rate+0.75 pts vs state
0.95Rate spread (pts)+0.71 pts vs state
$1kMedian applicant income
43Loans originated
2Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 33 | 2.6% | 7.88% | #510 |
| 2024 | 44 | 26 | 4.6% | 7.63% | #498 |
| 2025 | 58 | 43 | 3.5% | 7.38% | #468 |
What Ark Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Ark Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 44 | 36 | 1 | 2.3% |
| Lackawanna County | 8 | 4 | 0 | 0.0% |
| Luzerne County | 3 | 2 | 0 | 0.0% |
| Allegheny County | 1 | 0 | 1 | 100.0% |
| Lancaster County | 1 | 1 | 0 | 0.0% |
| Pike County | 1 | 0 | 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: 58 applications in 2025, of which 43 were originated and 2 denied.
3.5% of all applications, or 4.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Ark Mortgage originated in Pennsylvania in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Ark 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