GoodLeap in Pennsylvania vs the state
25.2%Denial rate+6.91 pts vs state
31.6%Decision denial rate+9.34 pts vs state
43.3%Origination rate-17.63 pts vs state
6.38%Median rate-0.25 pts vs state
0.22Rate spread (pts)-0.02 pts vs state
$73kMedian applicant income
325Loans originated
189Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 275 | 122 | 24.7% | 5.88% | #223 |
| 2024 | 604 | 270 | 25.2% | 5.75% | #120 |
| 2025 | 750 | 325 | 25.2% | 6.38% | #119 |
What GoodLeap lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most GoodLeap applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 79 | 29 | 22 | 27.8% |
| Philadelphia County | 62 | 24 | 20 | 32.3% |
| Montgomery County | 61 | 30 | 11 | 18.0% |
| Delaware County | 53 | 27 | 14 | 26.4% |
| Bucks County | 38 | 14 | 12 | 31.6% |
| Chester County | 38 | 13 | 11 | 28.9% |
| Berks County | 33 | 17 | 8 | 24.2% |
| York County | 33 | 18 | 3 | 9.1% |
| Monroe County | 27 | 15 | 3 | 11.1% |
| Dauphin County | 22 | 11 | 6 | 27.3% |
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: 750 applications in 2025, of which 325 were originated and 189 denied.
25.2% of all applications, or 31.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans GoodLeap originated in Pennsylvania in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are GoodLeap'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