Primary Residential Mortgage in Pennsylvania vs the state
4.0%Denial rate-14.30 pts vs state
4.9%Decision denial rate-17.31 pts vs state
77.5%Origination rate+16.53 pts vs state
6.75%Median rate+0.13 pts vs state
0.56Rate spread (pts)+0.32 pts vs state
$92kMedian applicant income
272Loans originated
14Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 475 | 322 | 5.1% | 6.75% | #147 |
| 2024 | 306 | 230 | 5.6% | 6.88% | #207 |
| 2025 | 351 | 272 | 4.0% | 6.75% | #211 |
What Primary Residential Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Primary Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 191 | 153 | 7 | 3.7% |
| Adams County | 56 | 44 | 1 | 1.8% |
| Chester County | 15 | 10 | 0 | 0.0% |
| Lancaster County | 12 | 9 | 2 | 16.7% |
| Cumberland County | 12 | 9 | 0 | 0.0% |
| Dauphin County | 11 | 8 | 2 | 18.2% |
| Franklin County | 10 | 9 | 0 | 0.0% |
| Allegheny County | 6 | 5 | 0 | 0.0% |
| Lebanon County | 6 | 4 | 0 | 0.0% |
| Philadelphia County | 5 | 3 | 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: 351 applications in 2025, of which 272 were originated and 14 denied.
4.0% of all applications, or 4.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Primary Residential Mortgage originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Primary Residential 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