East Coast Capital in Pennsylvania vs the state
3.2%Denial rate-15.11 pts vs state
5.1%Decision denial rate-17.11 pts vs state
59.2%Origination rate-1.72 pts vs state
7.00%Median rate+0.38 pts vs state
0.93Rate spread (pts)+0.69 pts vs state
$94kMedian applicant income
93Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 25 | 5.1% | 6.88% | #509 |
| 2024 | 128 | 81 | 6.3% | 6.88% | #336 |
| 2025 | 157 | 93 | 3.2% | 7.00% | #314 |
What East Coast Capital lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most East Coast Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berks County | 48 | 29 | 1 | 2.1% |
| Philadelphia County | 14 | 7 | 0 | 0.0% |
| Luzerne County | 12 | 8 | 1 | 8.3% |
| Northampton County | 11 | 7 | 1 | 9.1% |
| Bucks County | 8 | 7 | 0 | 0.0% |
| Monroe County | 7 | 4 | 1 | 14.3% |
| Montgomery County | 6 | 4 | 0 | 0.0% |
| Pike County | 5 | 4 | 0 | 0.0% |
| York County | 5 | 3 | 0 | 0.0% |
| Lancaster County | 5 | 3 | 1 | 20.0% |
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: 157 applications in 2025, of which 93 were originated and 5 denied.
3.2% of all applications, or 5.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans East Coast Capital originated in Pennsylvania in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are East Coast Capital'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