Freedom Mortgage in Pennsylvania vs the state
12.4%Denial rate-5.87 pts vs state
22.6%Decision denial rate+0.40 pts vs state
37.1%Origination rate-23.86 pts vs state
6.25%Median rate-0.38 pts vs state
0.45Rate spread (pts)+0.21 pts vs state
$90kMedian applicant income
1,673Loans originated
560Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,869 | 719 | 16.7% | 6.88% | #45 |
| 2024 | 3,601 | 1,484 | 12.2% | 6.38% | #29 |
| 2025 | 4,510 | 1,673 | 12.4% | 6.25% | #20 |
What Freedom Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 450 | 123 | 57 | 12.7% |
| Allegheny County | 272 | 108 | 35 | 12.9% |
| Montgomery County | 263 | 100 | 23 | 8.7% |
| York County | 257 | 103 | 31 | 12.1% |
| Delaware County | 255 | 86 | 33 | 12.9% |
| Bucks County | 242 | 83 | 30 | 12.4% |
| Lancaster County | 193 | 76 | 13 | 6.7% |
| Berks County | 192 | 78 | 24 | 12.5% |
| Chester County | 155 | 60 | 12 | 7.7% |
| Lehigh County | 144 | 47 | 14 | 9.7% |
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: 4,510 applications in 2025, of which 1,673 were originated and 560 denied.
12.4% of all applications, or 22.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Freedom Mortgage originated in Pennsylvania in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Freedom 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