Polaris Home Funding in Pennsylvania vs the state
23.5%Denial rate+5.24 pts vs state
32.7%Decision denial rate+10.44 pts vs state
42.7%Origination rate-18.31 pts vs state
6.63%Median rate0.00 pts vs state
0.50Rate spread (pts)+0.26 pts vs state
$69kMedian applicant income
29Loans originated
16Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 12 | 16.7% | 6.75% | #501 |
| 2024 | 91 | 37 | 14.3% | 6.75% | #386 |
| 2025 | 68 | 29 | 23.5% | 6.63% | #438 |
What Polaris Home Funding lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Polaris Home Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 9 | 2 | 3 | 33.3% |
| Lancaster County | 6 | 4 | 0 | 0.0% |
| York County | 6 | 4 | 0 | 0.0% |
| Northampton County | 4 | 2 | 1 | 25.0% |
| Cumberland County | 3 | 0 | 2 | 66.7% |
| Monroe County | 3 | 0 | 2 | 66.7% |
| Dauphin County | 3 | 2 | 0 | 0.0% |
| Erie County | 3 | 1 | 2 | 66.7% |
| Lebanon County | 2 | 1 | 0 | 0.0% |
| Adams County | 2 | 0 | 1 | 50.0% |
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: 68 applications in 2025, of which 29 were originated and 16 denied.
23.5% of all applications, or 32.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Polaris Home Funding originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Polaris Home Funding'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