LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Pennsylvania vs the state
6.5%Denial rate-11.78 pts vs state
11.5%Decision denial rate-10.72 pts vs state
44.8%Origination rate-16.14 pts vs state
6.00%Median rate-0.63 pts vs state
-0.24Rate spread (pts)-0.48 pts vs state
$150kMedian applicant income
186Loans originated
27Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 3 | 0.0% | 5.99% | #727 |
| 2024 | 100 | 43 | 8.0% | 6.37% | #372 |
| 2025 | 415 | 186 | 6.5% | 6.00% | #180 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 52 | 21 | 4 | 7.7% |
| Philadelphia County | 49 | 22 | 1 | 2.0% |
| Montgomery County | 41 | 18 | 2 | 4.9% |
| Chester County | 37 | 20 | 4 | 10.8% |
| York County | 30 | 11 | 1 | 3.3% |
| Bucks County | 27 | 13 | 2 | 7.4% |
| Butler County | 19 | 12 | 1 | 5.3% |
| Berks County | 14 | 7 | 1 | 7.1% |
| Delaware County | 14 | 5 | 0 | 0.0% |
| Cumberland County | 13 | 5 | 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: 415 applications in 2025, of which 186 were originated and 27 denied.
6.5% of all applications, or 11.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Pennsylvania in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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