FM Home Loans in Pennsylvania vs the state
3.6%Denial rate-14.65 pts vs state
4.4%Decision denial rate-17.86 pts vs state
76.4%Origination rate+15.40 pts vs state
7.25%Median rate+0.63 pts vs state
0.78Rate spread (pts)+0.54 pts vs state
$130kMedian applicant income
42Loans originated
2Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 18 | 0.0% | 6.88% | #552 |
| 2024 | 67 | 36 | 0.0% | 7.38% | #428 |
| 2025 | 55 | 42 | 3.6% | 7.25% | #482 |
What FM Home Loans lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most FM Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 20 | 18 | 0 | 0.0% |
| Luzerne County | 9 | 7 | 0 | 0.0% |
| Monroe County | 6 | 5 | 0 | 0.0% |
| Lackawanna County | 5 | 4 | 1 | 20.0% |
| Montgomery County | 4 | 3 | 0 | 0.0% |
| Lancaster County | 3 | 1 | 1 | 33.3% |
| Bucks County | 2 | 1 | 0 | 0.0% |
| York County | 2 | 0 | 0 | 0.0% |
| Susquehanna County | 1 | 1 | 0 | 0.0% |
| Carbon County | 1 | 0 | 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: 55 applications in 2025, of which 42 were originated and 2 denied.
3.6% of all applications, or 4.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans FM Home Loans originated in Pennsylvania in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are FM Home Loans'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