Mortgage Research Center in Pennsylvania vs the state
19.8%Denial rate+1.53 pts vs state
29.0%Decision denial rate+6.83 pts vs state
47.7%Origination rate-13.29 pts vs state
6.25%Median rate-0.38 pts vs state
-0.11Rate spread (pts)-0.35 pts vs state
$89kMedian applicant income
2,643Loans originated
1,099Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,690 | 1,857 | 19.1% | 6.75% | #26 |
| 2024 | 4,533 | 2,308 | 17.3% | 6.63% | #15 |
| 2025 | 5,544 | 2,643 | 19.8% | 6.25% | #12 |
What Mortgage Research Center lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 495 | 235 | 102 | 20.6% |
| Philadelphia County | 326 | 142 | 83 | 25.5% |
| York County | 288 | 122 | 58 | 20.1% |
| Montgomery County | 217 | 85 | 56 | 25.8% |
| Westmoreland County | 202 | 106 | 34 | 16.8% |
| Delaware County | 173 | 73 | 38 | 22.0% |
| Monroe County | 171 | 74 | 39 | 22.8% |
| Luzerne County | 168 | 90 | 30 | 17.9% |
| Dauphin County | 158 | 79 | 30 | 19.0% |
| Franklin County | 151 | 73 | 28 | 18.5% |
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: 5,544 applications in 2025, of which 2,643 were originated and 1,099 denied.
19.8% of all applications, or 29.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Mortgage Research Center originated in Pennsylvania in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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