Consumer Real Estate Finance in Pennsylvania vs the state
35.2%Denial rate+16.91 pts vs state
40.0%Decision denial rate+17.79 pts vs state
52.8%Origination rate-8.16 pts vs state
7.13%Median rate+0.50 pts vs state
1.14Rate spread (pts)+0.90 pts vs state
$64kMedian applicant income
66Loans originated
44Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 165 | 72 | 20.0% | 6.75% | #298 |
| 2024 | 162 | 69 | 25.9% | 7.00% | #303 |
| 2025 | 125 | 66 | 35.2% | 7.13% | #351 |
What Consumer Real Estate Finance lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Luzerne County | 11 | 8 | 1 | 9.1% |
| Allegheny County | 9 | 7 | 1 | 11.1% |
| Schuylkill County | 7 | 6 | 1 | 14.3% |
| Somerset County | 5 | 2 | 3 | 60.0% |
| Westmoreland County | 5 | 2 | 3 | 60.0% |
| Fayette County | 5 | 2 | 3 | 60.0% |
| Washington County | 5 | 4 | 0 | 0.0% |
| Dauphin County | 5 | 2 | 3 | 60.0% |
| Clearfield County | 4 | 2 | 1 | 25.0% |
| Lawrence County | 4 | 1 | 2 | 50.0% |
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: 125 applications in 2025, of which 66 were originated and 44 denied.
35.2% of all applications, or 40.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Consumer Real Estate Finance originated in Pennsylvania in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Consumer Real Estate Finance'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