Homexpress Mortgage in Pennsylvania vs the state
43.0%Denial rate+24.72 pts vs state
43.5%Decision denial rate+21.27 pts vs state
54.0%Origination rate-6.93 pts vs state
7.75%Median rate+1.13 pts vs state
1.33Rate spread (pts)+1.09 pts vs state
$133kMedian applicant income
201Loans originated
160Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 248 | 152 | 37.1% | 8.81% | #246 |
| 2024 | 260 | 139 | 44.6% | 8.75% | #235 |
| 2025 | 372 | 201 | 43.0% | 7.75% | #204 |
What Homexpress Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 123 | 65 | 51 | 41.5% |
| Allegheny County | 40 | 27 | 13 | 32.5% |
| Luzerne County | 38 | 25 | 12 | 31.6% |
| Bucks County | 19 | 10 | 9 | 47.4% |
| Delaware County | 15 | 6 | 9 | 60.0% |
| Chester County | 13 | 5 | 8 | 61.5% |
| Lehigh County | 12 | 7 | 5 | 41.7% |
| Montgomery County | 11 | 3 | 7 | 63.6% |
| York County | 10 | 5 | 5 | 50.0% |
| Berks County | 9 | 5 | 4 | 44.4% |
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: 372 applications in 2025, of which 201 were originated and 160 denied.
43.0% of all applications, or 43.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Homexpress Mortgage originated in Pennsylvania in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Homexpress 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