Click n' Close in Pennsylvania vs the state
5.0%Denial rate-13.34 pts vs state
6.9%Decision denial rate-15.27 pts vs state
66.3%Origination rate+5.38 pts vs state
7.13%Median rate+0.50 pts vs state
2.36Rate spread (pts)+2.12 pts vs state
$80kMedian applicant income
67Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 41 | 0.0% | 7.50% | #421 |
| 2024 | 110 | 46 | 7.3% | 7.50% | #357 |
| 2025 | 101 | 67 | 5.0% | 7.13% | #373 |
What Click n' Close lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Luzerne County | 14 | 11 | 0 | 0.0% |
| Montgomery County | 10 | 2 | 1 | 10.0% |
| Lackawanna County | 10 | 7 | 1 | 10.0% |
| Delaware County | 7 | 5 | 0 | 0.0% |
| Philadelphia County | 7 | 3 | 0 | 0.0% |
| York County | 6 | 5 | 0 | 0.0% |
| Lehigh County | 6 | 6 | 0 | 0.0% |
| Carbon County | 5 | 2 | 2 | 40.0% |
| Northampton County | 4 | 4 | 0 | 0.0% |
| Fayette County | 4 | 4 | 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: 101 applications in 2025, of which 67 were originated and 5 denied.
5.0% of all applications, or 6.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Click n' Close originated in Pennsylvania in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Click n' Close'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