Freedom in Pennsylvania vs the state
30.7%Denial rate+12.38 pts vs state
30.8%Decision denial rate+8.59 pts vs state
68.9%Origination rate+7.96 pts vs state
6.25%Median rate-0.38 pts vs state
0.15Rate spread (pts)-0.09 pts vs state
$106kMedian applicant income
337Loans originated
150Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 674 | 515 | 23.6% | 6.00% | #108 |
| 2024 | 530 | 401 | 24.3% | 6.25% | #139 |
| 2025 | 489 | 337 | 30.7% | 6.25% | #156 |
What Freedom lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Freedom applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 190 | 112 | 78 | 41.1% |
| Montgomery County | 117 | 91 | 25 | 21.4% |
| Bucks County | 103 | 85 | 17 | 16.5% |
| Delaware County | 39 | 22 | 17 | 43.6% |
| Chester County | 14 | 10 | 4 | 28.6% |
| Allegheny County | 5 | 3 | 2 | 40.0% |
| Lehigh County | 3 | 2 | 1 | 33.3% |
| Berks County | 3 | 1 | 2 | 66.7% |
| York County | 2 | 2 | 0 | 0.0% |
| Wayne County | 2 | 2 | 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: 489 applications in 2025, of which 337 were originated and 150 denied.
30.7% of all applications, or 30.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Freedom originated in Pennsylvania in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Freedom'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