Homestead Funding in Pennsylvania vs the state
1.1%Denial rate-17.23 pts vs state
1.2%Decision denial rate-20.98 pts vs state
84.5%Origination rate+23.52 pts vs state
6.38%Median rate-0.25 pts vs state
0.06Rate spread (pts)-0.18 pts vs state
$91kMedian applicant income
479Loans originated
6Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 54 | 3.0% | 6.75% | #431 |
| 2024 | 205 | 172 | 2.0% | 6.25% | #264 |
| 2025 | 567 | 479 | 1.1% | 6.38% | #143 |
What Homestead Funding lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Homestead Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 167 | 149 | 2 | 1.2% |
| Westmoreland County | 166 | 134 | 1 | 0.6% |
| Washington County | 54 | 46 | 0 | 0.0% |
| Butler County | 27 | 20 | 0 | 0.0% |
| Lancaster County | 19 | 17 | 0 | 0.0% |
| Beaver County | 15 | 15 | 0 | 0.0% |
| Mercer County | 13 | 12 | 0 | 0.0% |
| Somerset County | 12 | 11 | 0 | 0.0% |
| Chester County | 11 | 6 | 1 | 9.1% |
| Fayette County | 9 | 9 | 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: 567 applications in 2025, of which 479 were originated and 6 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 Homestead Funding originated in Pennsylvania in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Homestead Funding'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