Lower in Pennsylvania vs the state
16.4%Denial rate-1.85 pts vs state
28.2%Decision denial rate+5.98 pts vs state
41.1%Origination rate-19.86 pts vs state
6.50%Median rate-0.13 pts vs state
0.46Rate spread (pts)+0.22 pts vs state
$99kMedian applicant income
210Loans originated
84Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 243 | 131 | 15.6% | 7.06% | #248 |
| 2024 | 655 | 381 | 12.2% | 6.75% | #113 |
| 2025 | 511 | 210 | 16.4% | 6.50% | #152 |
What Lower lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 45 | 11 | 10 | 22.2% |
| Allegheny County | 42 | 22 | 5 | 11.9% |
| Montgomery County | 36 | 15 | 3 | 8.3% |
| York County | 31 | 20 | 4 | 12.9% |
| Bucks County | 29 | 9 | 5 | 17.2% |
| Delaware County | 23 | 8 | 8 | 34.8% |
| Chester County | 22 | 12 | 1 | 4.5% |
| Erie County | 21 | 14 | 4 | 19.0% |
| Dauphin County | 19 | 4 | 4 | 21.1% |
| Westmoreland County | 17 | 9 | 1 | 5.9% |
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: 511 applications in 2025, of which 210 were originated and 84 denied.
16.4% of all applications, or 28.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Lower originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Lower'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