Ixonia Bank in Pennsylvania vs the state
2.9%Denial rate-15.42 pts vs state
3.4%Decision denial rate-18.77 pts vs state
79.6%Origination rate+18.61 pts vs state
6.75%Median rate+0.13 pts vs state
0.62Rate spread (pts)+0.39 pts vs state
$86kMedian applicant income
1,110Loans originated
40Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 722 | 541 | 3.6% | 7.00% | #100 |
| 2024 | 1,410 | 1,096 | 3.6% | 6.88% | #64 |
| 2025 | 1,395 | 1,110 | 2.9% | 6.75% | #66 |
What Ixonia Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Ixonia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lackawanna County | 220 | 178 | 5 | 2.3% |
| Mercer County | 166 | 131 | 5 | 3.0% |
| Luzerne County | 129 | 95 | 4 | 3.1% |
| Bradford County | 127 | 114 | 2 | 1.6% |
| Northampton County | 100 | 90 | 0 | 0.0% |
| Monroe County | 71 | 55 | 0 | 0.0% |
| Lawrence County | 57 | 41 | 1 | 1.8% |
| Lehigh County | 53 | 44 | 1 | 1.9% |
| Pike County | 48 | 38 | 2 | 4.2% |
| Schuylkill County | 47 | 33 | 6 | 12.8% |
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: 1,395 applications in 2025, of which 1,110 were originated and 40 denied.
2.9% of all applications, or 3.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Ixonia Bank originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Ixonia 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