Bpl Mortgage Trust in Pennsylvania vs the state
10.5%Denial rate-7.75 pts vs state
11.0%Decision denial rate-11.23 pts vs state
77.5%Origination rate+16.52 pts vs state
7.38%Median rate+0.75 pts vs state
—Rate spread (pts)
—Median applicant income
757Loans originated
103Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 695 | 511 | 6.2% | 8.25% | #105 |
| 2024 | 791 | 614 | 6.8% | 7.75% | #102 |
| 2025 | 977 | 757 | 10.5% | 7.38% | #88 |
What Bpl Mortgage Trust lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Bpl Mortgage Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 281 | 203 | 43 | 15.3% |
| Allegheny County | 219 | 178 | 14 | 6.4% |
| Berks County | 75 | 65 | 5 | 6.7% |
| Luzerne County | 55 | 42 | 6 | 10.9% |
| Lackawanna County | 43 | 38 | 1 | 2.3% |
| Montgomery County | 36 | 30 | 2 | 5.6% |
| Delaware County | 31 | 26 | 0 | 0.0% |
| Erie County | 24 | 19 | 0 | 0.0% |
| Schuylkill County | 23 | 15 | 4 | 17.4% |
| Lehigh County | 20 | 18 | 1 | 5.0% |
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: 977 applications in 2025, of which 757 were originated and 103 denied.
10.5% of all applications, or 11.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Bpl Mortgage Trust originated in Pennsylvania in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Bpl Mortgage Trust'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