NVR Mortgage Finance in Pennsylvania vs the state
7.6%Denial rate-10.70 pts vs state
8.5%Decision denial rate-13.74 pts vs state
82.0%Origination rate+21.07 pts vs state
6.50%Median rate-0.13 pts vs state
0.11Rate spread (pts)-0.13 pts vs state
$152kMedian applicant income
1,502Loans originated
139Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,983 | 1,490 | 11.5% | 5.99% | #42 |
| 2024 | 2,090 | 1,654 | 10.7% | 6.50% | #46 |
| 2025 | 1,831 | 1,502 | 7.6% | 6.50% | #54 |
What NVR Mortgage Finance lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most NVR Mortgage Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chester County | 330 | 257 | 25 | 7.6% |
| Allegheny County | 307 | 263 | 22 | 7.2% |
| Butler County | 284 | 259 | 8 | 2.8% |
| Washington County | 174 | 148 | 7 | 4.0% |
| York County | 126 | 104 | 7 | 5.6% |
| Franklin County | 92 | 77 | 6 | 6.5% |
| Lehigh County | 90 | 72 | 6 | 6.7% |
| Westmoreland County | 87 | 71 | 5 | 5.7% |
| Lancaster County | 74 | 46 | 15 | 20.3% |
| Northampton County | 65 | 50 | 10 | 15.4% |
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: 1,831 applications in 2025, of which 1,502 were originated and 139 denied.
7.6% of all applications, or 8.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans NVR Mortgage Finance originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are NVR Mortgage Finance'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