Emm Loans in Pennsylvania vs the state
3.6%Denial rate-14.72 pts vs state
4.1%Decision denial rate-18.16 pts vs state
82.5%Origination rate+21.55 pts vs state
6.50%Median rate-0.13 pts vs state
0.26Rate spread (pts)+0.02 pts vs state
$91kMedian applicant income
717Loans originated
31Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,027 | 767 | 3.6% | 6.63% | #74 |
| 2024 | 739 | 577 | 5.4% | 6.63% | #104 |
| 2025 | 869 | 717 | 3.6% | 6.50% | #105 |
What Emm Loans lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 117 | 87 | 10 | 8.5% |
| Montgomery County | 111 | 89 | 1 | 0.9% |
| Lancaster County | 75 | 68 | 1 | 1.3% |
| Philadelphia County | 68 | 56 | 2 | 2.9% |
| York County | 60 | 52 | 3 | 5.0% |
| Bedford County | 59 | 55 | 0 | 0.0% |
| Bucks County | 51 | 46 | 0 | 0.0% |
| Washington County | 34 | 21 | 4 | 11.8% |
| Chester County | 33 | 26 | 1 | 3.0% |
| Cumberland County | 32 | 32 | 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: 869 applications in 2025, of which 717 were originated and 31 denied.
3.6% of all applications, or 4.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Emm Loans originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Emm Loans'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