M&T Realty Capital in Pennsylvania vs the state
40.0%Denial rate+21.71 pts vs state
50.0%Decision denial rate+27.79 pts vs state
40.0%Origination rate-20.96 pts vs state
—Median rate
—Rate spread (pts)
—Median applicant income
2Loans originated
2Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 5 | 0.0% | — | #778 |
| 2025 | 5 | 2 | 40.0% | — | #779 |
What M&T Realty Capital lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most M&T Realty Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 2 | 0 | 2 | 100.0% |
| Allegheny County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Berks County | 1 | 1 | 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: 5 applications in 2025, of which 2 were originated and 2 denied.
40.0% of all applications, or 50.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are M&T Realty Capital'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