Mortgage America in Pennsylvania vs the state
1.7%Denial rate-16.64 pts vs state
2.0%Decision denial rate-20.25 pts vs state
82.4%Origination rate+21.39 pts vs state
6.50%Median rate-0.13 pts vs state
0.22Rate spread (pts)-0.02 pts vs state
$100kMedian applicant income
1,400Loans originated
28Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,886 | 1,521 | 1.6% | 6.63% | #44 |
| 2024 | 1,924 | 1,611 | 1.9% | 6.63% | #50 |
| 2025 | 1,700 | 1,400 | 1.7% | 6.50% | #56 |
What Mortgage America lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Mortgage America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berks County | 459 | 375 | 6 | 1.3% |
| Schuylkill County | 196 | 146 | 6 | 3.1% |
| Lehigh County | 171 | 148 | 1 | 0.6% |
| Montgomery County | 165 | 140 | 2 | 1.2% |
| Northampton County | 129 | 110 | 2 | 1.6% |
| Philadelphia County | 100 | 82 | 4 | 4.0% |
| Bucks County | 77 | 65 | 0 | 0.0% |
| Carbon County | 72 | 65 | 0 | 0.0% |
| Dauphin County | 60 | 46 | 2 | 3.3% |
| Chester County | 42 | 35 | 1 | 2.4% |
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: 1,700 applications in 2025, of which 1,400 were originated and 28 denied.
1.7% of all applications, or 2.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Mortgage America originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Mortgage America'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