Home Mortgage Alliance Corporation (HMAC) in Pennsylvania vs the state
9.4%Denial rate-8.91 pts vs state
11.5%Decision denial rate-10.67 pts vs state
68.8%Origination rate+7.79 pts vs state
7.63%Median rate+1.00 pts vs state
1.27Rate spread (pts)+1.03 pts vs state
$110kMedian applicant income
22Loans originated
3Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 26 | 4.4% | 8.38% | #493 |
| 2024 | 39 | 21 | 0.0% | 7.75% | #515 |
| 2025 | 32 | 22 | 9.4% | 7.63% | #544 |
What Home Mortgage Alliance Corporation (HMAC) lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 7 | 6 | 0 | 0.0% |
| Philadelphia County | 7 | 4 | 1 | 14.3% |
| Delaware County | 3 | 2 | 1 | 33.3% |
| Lehigh County | 3 | 1 | 0 | 0.0% |
| York County | 3 | 2 | 0 | 0.0% |
| Lancaster County | 2 | 2 | 0 | 0.0% |
| Allegheny County | 2 | 2 | 0 | 0.0% |
| Columbia County | 1 | 1 | 0 | 0.0% |
| Luzerne County | 1 | 1 | 0 | 0.0% |
| Chester County | 1 | 0 | 1 | 100.0% |
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: 32 applications in 2025, of which 22 were originated and 3 denied.
9.4% of all applications, or 11.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Pennsylvania in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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