Mld Mortgage in Pennsylvania vs the state
1.1%Denial rate-17.21 pts vs state
1.2%Decision denial rate-21.06 pts vs state
89.3%Origination rate+28.29 pts vs state
6.63%Median rate0.00 pts vs state
0.07Rate spread (pts)-0.17 pts vs state
$128kMedian applicant income
83Loans originated
1Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 21 | 12.0% | 6.50% | #568 |
| 2024 | 57 | 45 | 5.3% | 6.63% | #454 |
| 2025 | 93 | 83 | 1.1% | 6.63% | #385 |
What Mld Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Mld Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bucks County | 18 | 17 | 0 | 0.0% |
| Chester County | 10 | 10 | 0 | 0.0% |
| Delaware County | 9 | 7 | 0 | 0.0% |
| Philadelphia County | 9 | 9 | 0 | 0.0% |
| Monroe County | 6 | 3 | 0 | 0.0% |
| Lebanon County | 6 | 6 | 0 | 0.0% |
| Dauphin County | 5 | 5 | 0 | 0.0% |
| Berks County | 4 | 3 | 0 | 0.0% |
| Lehigh County | 3 | 2 | 1 | 33.3% |
| Lackawanna County | 3 | 2 | 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: 93 applications in 2025, of which 83 were originated and 1 denied.
1.1% of all applications, or 1.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Mld Mortgage originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Mld 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