New Day Financial in Pennsylvania vs the state
25.9%Denial rate+7.62 pts vs state
56.3%Decision denial rate+34.11 pts vs state
18.4%Origination rate-42.56 pts vs state
6.99%Median rate+0.37 pts vs state
0.86Rate spread (pts)+0.62 pts vs state
$71kMedian applicant income
367Loans originated
517Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,573 | 265 | 26.8% | 7.49% | #55 |
| 2024 | 2,040 | 344 | 24.9% | 7.74% | #47 |
| 2025 | 1,995 | 367 | 25.9% | 6.99% | #51 |
What New Day Financial lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most New Day Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 158 | 19 | 52 | 32.9% |
| Philadelphia County | 154 | 27 | 53 | 34.4% |
| York County | 111 | 32 | 24 | 21.6% |
| Luzerne County | 76 | 12 | 13 | 17.1% |
| Bucks County | 73 | 6 | 21 | 28.8% |
| Montgomery County | 69 | 10 | 21 | 30.4% |
| Dauphin County | 68 | 11 | 20 | 29.4% |
| Delaware County | 66 | 9 | 17 | 25.8% |
| Westmoreland County | 63 | 12 | 16 | 25.4% |
| Monroe County | 54 | 12 | 13 | 24.1% |
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: 1,995 applications in 2025, of which 367 were originated and 517 denied.
25.9% of all applications, or 56.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans New Day Financial originated in Pennsylvania in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are New Day Financial'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