Lendage in Pennsylvania vs the state
12.2%Denial rate-6.08 pts vs state
13.3%Decision denial rate-8.95 pts vs state
73.9%Origination rate+12.90 pts vs state
11.38%Median rate+4.75 pts vs state
5.11Rate spread (pts)+4.87 pts vs state
$112kMedian applicant income
647Loans originated
107Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 447 | 299 | 14.8% | 13.75% | #155 |
| 2024 | 602 | 449 | 13.3% | 13.00% | #122 |
| 2025 | 876 | 647 | 12.2% | 11.38% | #104 |
What Lendage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Lendage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 79 | 57 | 8 | 10.1% |
| Allegheny County | 64 | 46 | 14 | 21.9% |
| Bucks County | 58 | 38 | 11 | 19.0% |
| Lancaster County | 56 | 38 | 10 | 17.9% |
| Chester County | 49 | 41 | 2 | 4.1% |
| York County | 48 | 33 | 10 | 20.8% |
| Philadelphia County | 45 | 32 | 6 | 13.3% |
| Northampton County | 43 | 31 | 3 | 7.0% |
| Berks County | 42 | 32 | 5 | 11.9% |
| Delaware County | 39 | 31 | 5 | 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: 876 applications in 2025, of which 647 were originated and 107 denied.
12.2% of all applications, or 13.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Lendage originated in Pennsylvania in 2025 was 11.38%, against a statewide median of 6.63%.
About this data. Figures are Lendage'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