Hometown Equity Mortgage in Pennsylvania vs the state
45.6%Denial rate+27.33 pts vs state
47.7%Decision denial rate+25.44 pts vs state
47.0%Origination rate-14.01 pts vs state
7.25%Median rate+0.63 pts vs state
0.82Rate spread (pts)+0.58 pts vs state
$171kMedian applicant income
177Loans originated
172Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 127 | 42 | 60.6% | 9.63% | #344 |
| 2024 | 157 | 72 | 51.6% | 7.99% | #307 |
| 2025 | 377 | 177 | 45.6% | 7.25% | #201 |
What Hometown Equity Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 147 | 72 | 67 | 45.6% |
| Monroe County | 41 | 21 | 17 | 41.5% |
| Delaware County | 36 | 20 | 13 | 36.1% |
| Luzerne County | 23 | 10 | 12 | 52.2% |
| Allegheny County | 15 | 4 | 5 | 33.3% |
| Chester County | 14 | 9 | 4 | 28.6% |
| Bucks County | 13 | 6 | 6 | 46.2% |
| Montgomery County | 12 | 4 | 8 | 66.7% |
| Lackawanna County | 11 | 6 | 5 | 45.5% |
| Lehigh County | 10 | 8 | 2 | 20.0% |
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: 377 applications in 2025, of which 177 were originated and 172 denied.
45.6% of all applications, or 47.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Hometown Equity Mortgage originated in Pennsylvania in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity Mortgage'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