Patriot in Pennsylvania vs the state
24.9%Denial rate+6.64 pts vs state
27.4%Decision denial rate+5.17 pts vs state
64.0%Origination rate+3.04 pts vs state
4.99%Median rate-1.63 pts vs state
-2.21Rate spread (pts)-2.45 pts vs state
$92kMedian applicant income
480Loans originated
187Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 543 | 348 | 26.5% | 6.19% | #131 |
| 2024 | 806 | 529 | 22.6% | 5.99% | #101 |
| 2025 | 750 | 480 | 24.9% | 4.99% | #120 |
What Patriot lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Patriot applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 649 | 417 | 160 | 24.7% |
| Cumberland County | 43 | 25 | 13 | 30.2% |
| Adams County | 21 | 15 | 6 | 28.6% |
| Fulton County | 16 | 9 | 4 | 25.0% |
| York County | 6 | 2 | 2 | 33.3% |
| Bedford County | 3 | 3 | 0 | 0.0% |
| Huntingdon County | 2 | 2 | 0 | 0.0% |
| Dauphin County | 2 | 1 | 1 | 50.0% |
| Perry County | 2 | 0 | 1 | 50.0% |
| Blair County | 2 | 2 | 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: 750 applications in 2025, of which 480 were originated and 187 denied.
24.9% of all applications, or 27.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Patriot originated in Pennsylvania in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Patriot'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