Everett Financial in Pennsylvania vs the state
5.4%Denial rate-12.87 pts vs state
8.9%Decision denial rate-13.27 pts vs state
51.7%Origination rate-9.24 pts vs state
6.63%Median rate0.00 pts vs state
0.56Rate spread (pts)+0.32 pts vs state
$89kMedian applicant income
105Loans originated
11Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 401 | 77 | 17.5% | 6.88% | #159 |
| 2024 | 105 | 65 | 6.7% | 6.99% | #363 |
| 2025 | 203 | 105 | 5.4% | 6.63% | #272 |
What Everett Financial lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Luzerne County | 30 | 27 | 1 | 3.3% |
| Philadelphia County | 23 | 7 | 2 | 8.7% |
| Tioga County | 23 | 17 | 1 | 4.3% |
| Allegheny County | 14 | 3 | 0 | 0.0% |
| Montgomery County | 12 | 6 | 0 | 0.0% |
| York County | 9 | 5 | 0 | 0.0% |
| Bucks County | 9 | 0 | 2 | 22.2% |
| Bradford County | 7 | 6 | 0 | 0.0% |
| Beaver County | 6 | 3 | 0 | 0.0% |
| Monroe County | 6 | 2 | 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: 203 applications in 2025, of which 105 were originated and 11 denied.
5.4% of all applications, or 8.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Everett Financial originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Everett Financial'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