Jlb in Pennsylvania vs the state
4.8%Denial rate-13.50 pts vs state
5.8%Decision denial rate-16.42 pts vs state
78.1%Origination rate+17.12 pts vs state
6.25%Median rate-0.38 pts vs state
0.34Rate spread (pts)+0.10 pts vs state
$78kMedian applicant income
228Loans originated
14Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 259 | 205 | 2.3% | 6.63% | #238 |
| 2024 | 272 | 217 | 2.6% | 6.50% | #225 |
| 2025 | 292 | 228 | 4.8% | 6.25% | #226 |
What Jlb lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Jlb applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 143 | 111 | 8 | 5.6% |
| Westmoreland County | 41 | 33 | 2 | 4.9% |
| Beaver County | 25 | 17 | 0 | 0.0% |
| Butler County | 24 | 21 | 2 | 8.3% |
| Mercer County | 23 | 18 | 1 | 4.3% |
| Washington County | 17 | 13 | 1 | 5.9% |
| Lawrence County | 7 | 5 | 0 | 0.0% |
| Armstrong County | 3 | 3 | 0 | 0.0% |
| Fayette County | 2 | 2 | 0 | 0.0% |
| Clarion County | 2 | 2 | 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: 292 applications in 2025, of which 228 were originated and 14 denied.
4.8% of all applications, or 5.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Jlb originated in Pennsylvania in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Jlb'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