FlexPoint in Pennsylvania vs the state
4.6%Denial rate-13.74 pts vs state
7.3%Decision denial rate-14.94 pts vs state
33.0%Origination rate-28.01 pts vs state
7.50%Median rate+0.88 pts vs state
1.27Rate spread (pts)+1.03 pts vs state
$134kMedian applicant income
29Loans originated
4Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 1 | 0.0% | 9.75% | #767 |
| 2024 | 35 | 10 | 11.4% | 7.38% | #529 |
| 2025 | 88 | 29 | 4.6% | 7.50% | #390 |
What FlexPoint lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most FlexPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 42 | 13 | 2 | 4.8% |
| Luzerne County | 9 | 2 | 0 | 0.0% |
| Montgomery County | 6 | 2 | 0 | 0.0% |
| Delaware County | 6 | 2 | 0 | 0.0% |
| Allegheny County | 5 | 3 | 1 | 20.0% |
| Lackawanna County | 3 | 2 | 0 | 0.0% |
| Chester County | 3 | 1 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Berks County | 2 | 1 | 0 | 0.0% |
| Cumberland County | 2 | 1 | 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: 88 applications in 2025, of which 29 were originated and 4 denied.
4.6% of all applications, or 7.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans FlexPoint originated in Pennsylvania in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are FlexPoint'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