Bay Capital Mortgage in Pennsylvania vs the state
6.3%Denial rate-12.04 pts vs state
7.4%Decision denial rate-14.86 pts vs state
78.8%Origination rate+17.79 pts vs state
6.50%Median rate-0.13 pts vs state
0.10Rate spread (pts)-0.14 pts vs state
$113kMedian applicant income
63Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 41 | 4.2% | 6.25% | #488 |
| 2024 | 64 | 54 | 1.6% | 6.63% | #440 |
| 2025 | 80 | 63 | 6.3% | 6.50% | #406 |
What Bay Capital Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Bay Capital Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 45 | 37 | 2 | 4.4% |
| York County | 12 | 10 | 2 | 16.7% |
| Franklin County | 10 | 8 | 0 | 0.0% |
| Cumberland County | 4 | 3 | 0 | 0.0% |
| Chester County | 2 | 1 | 1 | 50.0% |
| Lancaster County | 2 | 1 | 0 | 0.0% |
| Bucks County | 1 | 1 | 0 | 0.0% |
| Butler County | 1 | 0 | 0 | 0.0% |
| Perry County | 1 | 0 | 0 | 0.0% |
| Lackawanna 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: 80 applications in 2025, of which 63 were originated and 5 denied.
6.3% of all applications, or 7.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Bay Capital Mortgage originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Bay Capital 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