General Mortgage Capital in Pennsylvania vs the state
1.1%Denial rate-17.18 pts vs state
1.2%Decision denial rate-20.99 pts vs state
87.8%Origination rate+26.82 pts vs state
6.62%Median rate0.00 pts vs state
-0.08Rate spread (pts)-0.32 pts vs state
$149kMedian applicant income
79Loans originated
1Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 13 | 0.0% | 6.50% | #635 |
| 2024 | 48 | 27 | 4.2% | 6.63% | #482 |
| 2025 | 90 | 79 | 1.1% | 6.62% | #387 |
What General Mortgage Capital lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most General Mortgage Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 32 | 28 | 1 | 3.1% |
| Allegheny County | 14 | 12 | 0 | 0.0% |
| Montgomery County | 11 | 10 | 0 | 0.0% |
| Chester County | 10 | 10 | 0 | 0.0% |
| Delaware County | 5 | 3 | 0 | 0.0% |
| Bucks County | 5 | 4 | 0 | 0.0% |
| Centre County | 4 | 3 | 0 | 0.0% |
| Washington County | 3 | 3 | 0 | 0.0% |
| Monroe County | 2 | 2 | 0 | 0.0% |
| Beaver County | 1 | 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: 90 applications in 2025, of which 79 were originated and 1 denied.
1.1% of all applications, or 1.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans General Mortgage Capital originated in Pennsylvania in 2025 was 6.62%, against a statewide median of 6.63%.
About this data. Figures are General Mortgage Capital'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