PHH Mortgage in Pennsylvania vs the state
10.3%Denial rate-8.01 pts vs state
24.8%Decision denial rate+2.59 pts vs state
30.0%Origination rate-30.94 pts vs state
6.49%Median rate-0.13 pts vs state
0.38Rate spread (pts)+0.14 pts vs state
$87kMedian applicant income
184Loans originated
63Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 340 | 87 | 32.4% | 6.75% | #188 |
| 2024 | 544 | 170 | 14.3% | 6.73% | #136 |
| 2025 | 613 | 184 | 10.3% | 6.49% | #136 |
What PHH Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 77 | 16 | 11 | 14.3% |
| Allegheny County | 56 | 21 | 8 | 14.3% |
| Montgomery County | 56 | 23 | 6 | 10.7% |
| Bucks County | 40 | 5 | 3 | 7.5% |
| Delaware County | 38 | 16 | 5 | 13.2% |
| Chester County | 31 | 7 | 4 | 12.9% |
| Northampton County | 31 | 11 | 2 | 6.5% |
| Lehigh County | 26 | 5 | 4 | 15.4% |
| York County | 22 | 6 | 1 | 4.5% |
| Berks County | 20 | 6 | 1 | 5.0% |
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: 613 applications in 2025, of which 184 were originated and 63 denied.
10.3% of all applications, or 24.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans PHH Mortgage originated in Pennsylvania in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are PHH Mortgage'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