Home Loan Investment Bank in Pennsylvania vs the state
18.5%Denial rate+0.23 pts vs state
29.4%Decision denial rate+7.20 pts vs state
44.4%Origination rate-16.52 pts vs state
8.25%Median rate+1.63 pts vs state
4.53Rate spread (pts)+4.29 pts vs state
$96kMedian applicant income
12Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 10 | 36.6% | 9.23% | #506 |
| 2024 | 42 | 16 | 35.7% | 8.23% | #502 |
| 2025 | 27 | 12 | 18.5% | 8.25% | #567 |
What Home Loan Investment Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 4 | 1 | 1 | 25.0% |
| Schuylkill County | 3 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Lancaster County | 2 | 1 | 0 | 0.0% |
| Philadelphia County | 2 | 0 | 0 | 0.0% |
| Northampton County | 2 | 2 | 0 | 0.0% |
| Berks County | 2 | 1 | 1 | 50.0% |
| Delaware County | 2 | 0 | 2 | 100.0% |
| Erie County | 1 | 1 | 0 | 0.0% |
| Blair 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: 27 applications in 2025, of which 12 were originated and 5 denied.
18.5% of all applications, or 29.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Home Loan Investment Bank originated in Pennsylvania in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Home Loan Investment Bank'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