Reliance First Capital in Pennsylvania vs the state
4.5%Denial rate-13.79 pts vs state
5.1%Decision denial rate-17.07 pts vs state
82.0%Origination rate+21.02 pts vs state
6.75%Median rate+0.13 pts vs state
0.75Rate spread (pts)+0.51 pts vs state
$80kMedian applicant income
364Loans originated
20Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 363 | 279 | 4.7% | 6.63% | #177 |
| 2024 | 380 | 317 | 4.2% | 6.63% | #180 |
| 2025 | 444 | 364 | 4.5% | 6.75% | #168 |
What Reliance First Capital lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Westmoreland County | 74 | 62 | 4 | 5.4% |
| Allegheny County | 63 | 50 | 3 | 4.8% |
| Philadelphia County | 31 | 24 | 2 | 6.5% |
| Erie County | 24 | 22 | 0 | 0.0% |
| Delaware County | 20 | 15 | 1 | 5.0% |
| Monroe County | 13 | 10 | 1 | 7.7% |
| Montgomery County | 13 | 11 | 1 | 7.7% |
| Northampton County | 12 | 11 | 0 | 0.0% |
| Lackawanna County | 11 | 7 | 0 | 0.0% |
| York County | 11 | 9 | 1 | 9.1% |
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: 444 applications in 2025, of which 364 were originated and 20 denied.
4.5% of all applications, or 5.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Reliance First Capital originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Reliance First Capital'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