Member First Mortgage in Pennsylvania vs the state
14.0%Denial rate-4.25 pts vs state
24.0%Decision denial rate+1.79 pts vs state
38.0%Origination rate-22.95 pts vs state
6.50%Median rate-0.13 pts vs state
0.12Rate spread (pts)-0.12 pts vs state
$99kMedian applicant income
65Loans originated
24Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 33 | 15.1% | 7.00% | #380 |
| 2024 | 113 | 45 | 17.7% | 6.63% | #351 |
| 2025 | 171 | 65 | 14.0% | 6.50% | #303 |
What Member First Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Centre County | 26 | 11 | 2 | 7.7% |
| Philadelphia County | 13 | 7 | 2 | 15.4% |
| Dauphin County | 13 | 2 | 5 | 38.5% |
| Cumberland County | 13 | 5 | 2 | 15.4% |
| Allegheny County | 12 | 2 | 1 | 8.3% |
| Lancaster County | 10 | 4 | 3 | 30.0% |
| Montgomery County | 8 | 3 | 1 | 12.5% |
| Lackawanna County | 6 | 5 | 0 | 0.0% |
| Westmoreland County | 5 | 1 | 1 | 20.0% |
| Fayette County | 5 | 3 | 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: 171 applications in 2025, of which 65 were originated and 24 denied.
14.0% of all applications, or 24.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Member First Mortgage originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Member First Mortgage'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