Flagstar Bank in Pennsylvania vs the state
33.1%Denial rate+14.84 pts vs state
37.5%Decision denial rate+15.33 pts vs state
54.5%Origination rate-6.44 pts vs state
6.50%Median rate-0.13 pts vs state
0.28Rate spread (pts)+0.04 pts vs state
$89kMedian applicant income
181Loans originated
110Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,258 | 771 | 23.9% | 6.99% | #66 |
| 2024 | 1,311 | 870 | 21.1% | 6.63% | #68 |
| 2025 | 332 | 181 | 33.1% | 6.50% | #216 |
What Flagstar Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Blair County | 33 | 22 | 11 | 33.3% |
| Allegheny County | 29 | 19 | 7 | 24.1% |
| Cambria County | 24 | 18 | 5 | 20.8% |
| Erie County | 21 | 12 | 9 | 42.9% |
| Philadelphia County | 20 | 5 | 11 | 55.0% |
| Montgomery County | 20 | 10 | 5 | 25.0% |
| Delaware County | 15 | 8 | 3 | 20.0% |
| Monroe County | 14 | 9 | 3 | 21.4% |
| Berks County | 11 | 5 | 4 | 36.4% |
| Lehigh County | 10 | 7 | 3 | 30.0% |
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: 332 applications in 2025, of which 181 were originated and 110 denied.
33.1% of all applications, or 37.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Flagstar Bank originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Flagstar Bank'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