Chrome in Pennsylvania vs the state
10.7%Denial rate-7.58 pts vs state
12.4%Decision denial rate-9.81 pts vs state
75.7%Origination rate+14.75 pts vs state
—Median rate
—Rate spread (pts)
$82kMedian applicant income
106Loans originated
15Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 113 | 11.5% | — | #309 |
| 2024 | 152 | 111 | 13.8% | — | #312 |
| 2025 | 140 | 106 | 10.7% | — | #331 |
What Chrome lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most Chrome applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 70 | 50 | 7 | 10.0% |
| Allegheny County | 49 | 45 | 1 | 2.0% |
| Greene County | 7 | 7 | 0 | 0.0% |
| Beaver County | 5 | 4 | 1 | 20.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
| Luzerne County | 1 | 0 | 1 | 100.0% |
| Fayette 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: 140 applications in 2025, of which 106 were originated and 15 denied.
10.7% of all applications, or 12.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Chrome'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