NFM in Pennsylvania vs the state
3.5%Denial rate-14.76 pts vs state
4.3%Decision denial rate-17.87 pts vs state
76.6%Origination rate+15.60 pts vs state
6.75%Median rate+0.13 pts vs state
0.42Rate spread (pts)+0.19 pts vs state
$119kMedian applicant income
369Loans originated
17Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 580 | 463 | 1.7% | 6.63% | #122 |
| 2024 | 592 | 454 | 3.4% | 6.88% | #126 |
| 2025 | 482 | 369 | 3.5% | 6.75% | #161 |
What NFM lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 116 | 86 | 6 | 5.2% |
| Montgomery County | 48 | 38 | 2 | 4.2% |
| Chester County | 48 | 42 | 2 | 4.2% |
| York County | 47 | 38 | 0 | 0.0% |
| Delaware County | 35 | 27 | 0 | 0.0% |
| Berks County | 25 | 21 | 1 | 4.0% |
| Adams County | 21 | 18 | 0 | 0.0% |
| Bucks County | 19 | 13 | 0 | 0.0% |
| Cumberland County | 11 | 8 | 1 | 9.1% |
| Franklin County | 11 | 7 | 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: 482 applications in 2025, of which 369 were originated and 17 denied.
3.5% of all applications, or 4.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans NFM originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are NFM'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