Net in Pennsylvania vs the state
21.9%Denial rate+3.61 pts vs state
28.1%Decision denial rate+5.91 pts vs state
55.5%Origination rate-5.43 pts vs state
7.99%Median rate+1.37 pts vs state
0.19Rate spread (pts)-0.05 pts vs state
$78kMedian applicant income
246Loans originated
97Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 358 | 266 | 20.1% | 7.49% | #181 |
| 2024 | 463 | 299 | 13.8% | 8.29% | #156 |
| 2025 | 443 | 246 | 21.9% | 7.99% | #170 |
What Net lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Net applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lackawanna County | 351 | 191 | 78 | 22.2% |
| Luzerne County | 39 | 23 | 11 | 28.2% |
| Wayne County | 19 | 14 | 2 | 10.5% |
| Susquehanna County | 13 | 5 | 2 | 15.4% |
| Pike County | 7 | 6 | 1 | 14.3% |
| Monroe County | 4 | 1 | 1 | 25.0% |
| Wyoming County | 4 | 3 | 1 | 25.0% |
| Clearfield County | 2 | 1 | 1 | 50.0% |
| Carbon County | 1 | 0 | 0 | 0.0% |
| York County | 1 | 1 | 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: 443 applications in 2025, of which 246 were originated and 97 denied.
21.9% of all applications, or 28.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Net originated in Pennsylvania in 2025 was 7.99%, against a statewide median of 6.63%.
About this data. Figures are Net'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