NexBank in Pennsylvania vs the state
8.4%Denial rate-9.85 pts vs state
10.0%Decision denial rate-12.21 pts vs state
75.1%Origination rate+14.15 pts vs state
6.63%Median rate0.00 pts vs state
0.27Rate spread (pts)+0.03 pts vs state
$105kMedian applicant income
169Loans originated
19Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 59 | 5.8% | 7.25% | #429 |
| 2024 | 186 | 136 | 12.9% | 6.63% | #277 |
| 2025 | 225 | 169 | 8.4% | 6.63% | #256 |
What NexBank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most NexBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 45 | 35 | 2 | 4.4% |
| Philadelphia County | 25 | 17 | 1 | 4.0% |
| Montgomery County | 23 | 18 | 1 | 4.3% |
| Bucks County | 21 | 16 | 2 | 9.5% |
| Northampton County | 15 | 10 | 1 | 6.7% |
| Chester County | 11 | 8 | 1 | 9.1% |
| Lehigh County | 10 | 6 | 2 | 20.0% |
| Westmoreland County | 9 | 6 | 1 | 11.1% |
| Lancaster County | 9 | 8 | 1 | 11.1% |
| Pike County | 6 | 5 | 1 | 16.7% |
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: 225 applications in 2025, of which 169 were originated and 19 denied.
8.4% of all applications, or 10.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans NexBank originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are NexBank'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