Filo Mortgage in Pennsylvania vs the state
3.3%Denial rate-14.95 pts vs state
4.7%Decision denial rate-17.49 pts vs state
64.0%Origination rate+3.05 pts vs state
6.63%Median rate0.00 pts vs state
0.20Rate spread (pts)-0.04 pts vs state
$132kMedian applicant income
345Loans originated
18Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 187 | 77 | 4.8% | 5.99% | #277 |
| 2024 | 320 | 192 | 4.1% | 6.62% | #202 |
| 2025 | 539 | 345 | 3.3% | 6.63% | #148 |
What Filo Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Filo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 105 | 77 | 0 | 0.0% |
| Chester County | 102 | 74 | 2 | 2.0% |
| Delaware County | 76 | 51 | 5 | 6.6% |
| Bucks County | 49 | 31 | 3 | 6.1% |
| Philadelphia County | 47 | 27 | 4 | 8.5% |
| Cumberland County | 25 | 14 | 1 | 4.0% |
| Lancaster County | 24 | 16 | 1 | 4.2% |
| Allegheny County | 19 | 8 | 0 | 0.0% |
| Berks County | 16 | 11 | 0 | 0.0% |
| Lehigh County | 12 | 6 | 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: 539 applications in 2025, of which 345 were originated and 18 denied.
3.3% of all applications, or 4.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Filo Mortgage originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Filo 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