Journey Bank in Pennsylvania vs the state
5.2%Denial rate-13.12 pts vs state
5.5%Decision denial rate-16.67 pts vs state
86.6%Origination rate+25.65 pts vs state
6.50%Median rate-0.13 pts vs state
-0.40Rate spread (pts)-0.64 pts vs state
$94kMedian applicant income
938Loans originated
56Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 484 | 419 | 4.3% | 7.00% | #142 |
| 2024 | 1,148 | 1,022 | 3.8% | 6.75% | #72 |
| 2025 | 1,083 | 938 | 5.2% | 6.50% | #83 |
What Journey Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Journey Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lycoming County | 396 | 340 | 29 | 7.3% |
| Columbia County | 299 | 254 | 17 | 5.7% |
| Clinton County | 95 | 81 | 3 | 3.2% |
| Northumberland County | 80 | 73 | 2 | 2.5% |
| Luzerne County | 74 | 68 | 1 | 1.4% |
| Montour County | 62 | 56 | 1 | 1.6% |
| Union County | 26 | 23 | 0 | 0.0% |
| Centre County | 12 | 10 | 0 | 0.0% |
| Sullivan County | 12 | 11 | 1 | 8.3% |
| Snyder County | 5 | 4 | 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: 1,083 applications in 2025, of which 938 were originated and 56 denied.
5.2% of all applications, or 5.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Journey Bank originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Journey 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