NBKC Bank in Pennsylvania vs the state
10.7%Denial rate-7.61 pts vs state
15.0%Decision denial rate-7.21 pts vs state
60.2%Origination rate-0.72 pts vs state
6.25%Median rate-0.38 pts vs state
-0.13Rate spread (pts)-0.37 pts vs state
$153kMedian applicant income
203Loans originated
36Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 261 | 131 | 12.6% | 6.38% | #236 |
| 2024 | 317 | 188 | 15.5% | 6.49% | #203 |
| 2025 | 337 | 203 | 10.7% | 6.25% | #215 |
What NBKC Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 48 | 27 | 7 | 14.6% |
| Montgomery County | 42 | 24 | 2 | 4.8% |
| Allegheny County | 39 | 29 | 3 | 7.7% |
| Chester County | 33 | 19 | 3 | 9.1% |
| Bucks County | 20 | 9 | 3 | 15.0% |
| Delaware County | 17 | 8 | 4 | 23.5% |
| Lancaster County | 14 | 10 | 1 | 7.1% |
| Lehigh County | 12 | 9 | 0 | 0.0% |
| Dauphin County | 11 | 9 | 0 | 0.0% |
| York County | 8 | 6 | 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: 337 applications in 2025, of which 203 were originated and 36 denied.
10.7% of all applications, or 15.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans NBKC Bank originated in Pennsylvania in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are NBKC Bank'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