Oaktree Funding in Pennsylvania vs the state
13.6%Denial rate-4.65 pts vs state
14.5%Decision denial rate-7.69 pts vs state
48.5%Origination rate-12.48 pts vs state
7.56%Median rate+0.94 pts vs state
1.39Rate spread (pts)+1.15 pts vs state
$232kMedian applicant income
32Loans originated
9Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 25 | 11.7% | 8.88% | #444 |
| 2024 | 85 | 47 | 7.1% | 8.00% | #402 |
| 2025 | 66 | 32 | 13.6% | 7.56% | #445 |
What Oaktree Funding lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Oaktree Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 35 | 16 | 4 | 11.4% |
| Bucks County | 8 | 6 | 2 | 25.0% |
| Montgomery County | 4 | 2 | 1 | 25.0% |
| Allegheny County | 3 | 0 | 0 | 0.0% |
| Berks County | 3 | 1 | 0 | 0.0% |
| Delaware County | 3 | 0 | 1 | 33.3% |
| Northampton County | 2 | 2 | 0 | 0.0% |
| Chester County | 2 | 1 | 1 | 50.0% |
| Lancaster County | 2 | 2 | 0 | 0.0% |
| Bedford County | 1 | 0 | 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: 66 applications in 2025, of which 32 were originated and 9 denied.
13.6% of all applications, or 14.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Oaktree Funding originated in Pennsylvania in 2025 was 7.56%, against a statewide median of 6.63%.
About this data. Figures are Oaktree Funding'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