OCMBC in Pennsylvania vs the state
12.1%Denial rate-6.18 pts vs state
16.2%Decision denial rate-6.06 pts vs state
53.4%Origination rate-7.61 pts vs state
7.50%Median rate+0.87 pts vs state
1.10Rate spread (pts)+0.86 pts vs state
$106kMedian applicant income
207Loans originated
47Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 74 | 25.9% | 8.88% | #287 |
| 2024 | 271 | 119 | 15.9% | 8.00% | #226 |
| 2025 | 388 | 207 | 12.1% | 7.50% | #196 |
What OCMBC lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 112 | 59 | 14 | 12.5% |
| Delaware County | 37 | 23 | 1 | 2.7% |
| Berks County | 25 | 12 | 5 | 20.0% |
| Montgomery County | 23 | 12 | 1 | 4.3% |
| Lehigh County | 17 | 9 | 2 | 11.8% |
| Luzerne County | 17 | 13 | 3 | 17.6% |
| Chester County | 16 | 10 | 1 | 6.3% |
| York County | 16 | 8 | 4 | 25.0% |
| Allegheny County | 15 | 8 | 2 | 13.3% |
| Bucks County | 12 | 7 | 1 | 8.3% |
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: 388 applications in 2025, of which 207 were originated and 47 denied.
12.1% of all applications, or 16.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans OCMBC originated in Pennsylvania in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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