Mutual of Omaha Mortgage in Pennsylvania vs the state
21.0%Denial rate+2.70 pts vs state
28.5%Decision denial rate+6.28 pts vs state
50.5%Origination rate-10.47 pts vs state
6.49%Median rate-0.13 pts vs state
0.49Rate spread (pts)+0.25 pts vs state
$66kMedian applicant income
623Loans originated
259Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 852 | 424 | 28.2% | 6.88% | #90 |
| 2024 | 1,060 | 540 | 24.7% | 6.75% | #78 |
| 2025 | 1,234 | 623 | 21.0% | 6.49% | #74 |
What Mutual of Omaha Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 118 | 60 | 26 | 22.0% |
| Philadelphia County | 116 | 45 | 38 | 32.8% |
| Bucks County | 87 | 52 | 13 | 14.9% |
| Montgomery County | 86 | 52 | 10 | 11.6% |
| Delaware County | 52 | 29 | 9 | 17.3% |
| Berks County | 50 | 18 | 14 | 28.0% |
| Northampton County | 50 | 28 | 14 | 28.0% |
| Chester County | 48 | 33 | 7 | 14.6% |
| Lehigh County | 45 | 31 | 9 | 20.0% |
| York County | 40 | 23 | 9 | 22.5% |
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: 1,234 applications in 2025, of which 623 were originated and 259 denied.
21.0% of all applications, or 28.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Mutual of Omaha Mortgage originated in Pennsylvania in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Mutual of Omaha 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