Nations Direct Mortgage in Pennsylvania vs the state
3.3%Denial rate-14.95 pts vs state
3.9%Decision denial rate-18.33 pts vs state
82.7%Origination rate+21.77 pts vs state
6.62%Median rate0.00 pts vs state
0.24Rate spread (pts)0.00 pts vs state
$117kMedian applicant income
570Loans originated
23Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 131 | 7.2% | 6.99% | #273 |
| 2024 | 543 | 450 | 3.9% | 6.63% | #137 |
| 2025 | 689 | 570 | 3.3% | 6.62% | #126 |
What Nations Direct Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 126 | 110 | 1 | 0.8% |
| Philadelphia County | 104 | 82 | 8 | 7.7% |
| Chester County | 86 | 72 | 1 | 1.2% |
| Bucks County | 60 | 47 | 4 | 6.7% |
| Delaware County | 59 | 47 | 3 | 5.1% |
| Cumberland County | 35 | 33 | 0 | 0.0% |
| Berks County | 30 | 26 | 0 | 0.0% |
| Lancaster County | 30 | 23 | 1 | 3.3% |
| Allegheny County | 25 | 17 | 1 | 4.0% |
| Dauphin County | 23 | 20 | 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: 689 applications in 2025, of which 570 were originated and 23 denied.
3.3% of all applications, or 3.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Nations Direct Mortgage originated in Pennsylvania in 2025 was 6.62%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct 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