Pennymac Loan Services in Pennsylvania vs the state
12.6%Denial rate-5.66 pts vs state
17.8%Decision denial rate-4.37 pts vs state
56.8%Origination rate-4.15 pts vs state
6.50%Median rate-0.13 pts vs state
0.30Rate spread (pts)+0.06 pts vs state
$104kMedian applicant income
4,488Loans originated
998Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,473 | 1,753 | 14.4% | 6.62% | #29 |
| 2024 | 5,552 | 3,189 | 13.1% | 6.62% | #11 |
| 2025 | 7,900 | 4,488 | 12.6% | 6.50% | #10 |
What Pennymac Loan Services lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 635 | 301 | 105 | 16.5% |
| Montgomery County | 603 | 378 | 56 | 9.3% |
| Allegheny County | 544 | 270 | 66 | 12.1% |
| Bucks County | 446 | 279 | 54 | 12.1% |
| York County | 444 | 269 | 49 | 11.0% |
| Chester County | 426 | 279 | 31 | 7.3% |
| Lancaster County | 400 | 270 | 41 | 10.3% |
| Delaware County | 395 | 217 | 50 | 12.7% |
| Berks County | 347 | 206 | 48 | 13.8% |
| Cumberland County | 337 | 237 | 30 | 8.9% |
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% |
| Newrez | D | 6,444 | 20.7% | 6.75% |
Frequently asked questions
Pennsylvania: 7,900 applications in 2025, of which 4,488 were originated and 998 denied.
12.6% of all applications, or 17.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Pennymac Loan Services originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Pennymac Loan Services'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