Bank of England in Pennsylvania vs the state
7.4%Denial rate-10.88 pts vs state
8.7%Decision denial rate-13.51 pts vs state
77.8%Origination rate+16.82 pts vs state
6.63%Median rate0.00 pts vs state
0.60Rate spread (pts)+0.36 pts vs state
$108kMedian applicant income
21Loans originated
2Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 91 | 11.5% | 6.75% | #326 |
| 2024 | 42 | 29 | 7.1% | 6.63% | #505 |
| 2025 | 27 | 21 | 7.4% | 6.63% | #568 |
What Bank of England lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Bank of England applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 14 | 11 | 1 | 7.1% |
| Butler County | 3 | 2 | 0 | 0.0% |
| Delaware County | 2 | 1 | 0 | 0.0% |
| Pike County | 2 | 2 | 0 | 0.0% |
| Carbon County | 1 | 1 | 0 | 0.0% |
| Bucks County | 1 | 0 | 1 | 100.0% |
| Armstrong County | 1 | 1 | 0 | 0.0% |
| Clarion County | 1 | 1 | 0 | 0.0% |
| Beaver County | 1 | 1 | 0 | 0.0% |
| Lawrence County | 1 | 1 | 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: 27 applications in 2025, of which 21 were originated and 2 denied.
7.4% of all applications, or 8.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Bank of England originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Bank of England'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