Georgia'S Own in Pennsylvania vs the state
24.1%Denial rate+5.85 pts vs state
25.9%Decision denial rate+3.72 pts vs state
65.5%Origination rate+4.56 pts vs state
8.13%Median rate+1.50 pts vs state
0.80Rate spread (pts)+0.56 pts vs state
$271kMedian applicant income
38Loans originated
14Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 17 | 26.7% | 10.49% | #542 |
| 2024 | 54 | 29 | 38.9% | 10.00% | #469 |
| 2025 | 58 | 38 | 24.1% | 8.13% | #466 |
What Georgia'S Own lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 21 | 12 | 5 | 23.8% |
| Bucks County | 10 | 6 | 2 | 20.0% |
| Delaware County | 9 | 8 | 1 | 11.1% |
| Chester County | 5 | 4 | 1 | 20.0% |
| Philadelphia County | 4 | 4 | 0 | 0.0% |
| Allegheny County | 2 | 1 | 1 | 50.0% |
| Lehigh County | 2 | 1 | 1 | 50.0% |
| Butler County | 1 | 0 | 1 | 100.0% |
| Cambria County | 1 | 0 | 1 | 100.0% |
| Dauphin 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: 58 applications in 2025, of which 38 were originated and 14 denied.
24.1% of all applications, or 25.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Georgia'S Own originated in Pennsylvania in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are Georgia'S Own'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