Envoy Mortgage in Pennsylvania vs the state
3.3%Denial rate-14.96 pts vs state
4.1%Decision denial rate-18.16 pts vs state
78.3%Origination rate+17.37 pts vs state
6.63%Median rate0.00 pts vs state
0.35Rate spread (pts)+0.11 pts vs state
$106kMedian applicant income
141Loans originated
6Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 235 | 178 | 4.3% | 6.50% | #252 |
| 2024 | 111 | 79 | 8.1% | 6.63% | #356 |
| 2025 | 180 | 141 | 3.3% | 6.63% | #291 |
What Envoy Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 42 | 32 | 2 | 4.8% |
| Delaware County | 29 | 22 | 2 | 6.9% |
| Franklin County | 26 | 20 | 1 | 3.8% |
| York County | 13 | 10 | 0 | 0.0% |
| Bucks County | 11 | 8 | 0 | 0.0% |
| Allegheny County | 11 | 11 | 0 | 0.0% |
| Cumberland County | 8 | 7 | 0 | 0.0% |
| Adams County | 6 | 4 | 0 | 0.0% |
| Montgomery County | 6 | 5 | 0 | 0.0% |
| Lancaster County | 5 | 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: 180 applications in 2025, of which 141 were originated and 6 denied.
3.3% 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 Envoy Mortgage originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Envoy Mortgage'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