PennCrest Bank in Pennsylvania vs the state
14.6%Denial rate-3.68 pts vs state
15.0%Decision denial rate-7.19 pts vs state
81.3%Origination rate+20.32 pts vs state
—Median rate
—Rate spread (pts)
$93kMedian applicant income
178Loans originated
32Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 219 | 181 | 10.5% | — | #257 |
| 2024 | 234 | 196 | 10.3% | — | #247 |
| 2025 | 219 | 178 | 14.6% | — | #260 |
What PennCrest Bank lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most PennCrest Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cambria County | 116 | 102 | 13 | 11.2% |
| Blair County | 84 | 61 | 15 | 17.9% |
| Bedford County | 6 | 4 | 2 | 33.3% |
| Huntingdon County | 4 | 4 | 0 | 0.0% |
| Indiana County | 3 | 2 | 1 | 33.3% |
| Centre County | 3 | 2 | 1 | 33.3% |
| Westmoreland County | 2 | 2 | 0 | 0.0% |
| Somerset County | 1 | 1 | 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: 219 applications in 2025, of which 178 were originated and 32 denied.
14.6% of all applications, or 15.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are PennCrest Bank'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