Residential Home Mortgage in Pennsylvania vs the state
9.1%Denial rate-9.20 pts vs state
10.9%Decision denial rate-11.34 pts vs state
74.6%Origination rate+13.59 pts vs state
6.75%Median rate+0.13 pts vs state
0.51Rate spread (pts)+0.27 pts vs state
$106kMedian applicant income
41Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 45 | 38 | 6.7% | 6.56% | #495 |
| 2024 | 64 | 48 | 6.3% | 6.63% | #438 |
| 2025 | 55 | 41 | 9.1% | 6.75% | #479 |
What Residential Home Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Residential Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Northampton County | 16 | 11 | 1 | 6.3% |
| Lehigh County | 11 | 7 | 3 | 27.3% |
| Carbon County | 7 | 6 | 0 | 0.0% |
| Montgomery County | 5 | 4 | 0 | 0.0% |
| Monroe County | 4 | 3 | 1 | 25.0% |
| Schuylkill County | 3 | 3 | 0 | 0.0% |
| Chester County | 2 | 2 | 0 | 0.0% |
| Bucks County | 2 | 1 | 0 | 0.0% |
| Philadelphia County | 2 | 2 | 0 | 0.0% |
| Wayne County | 1 | 0 | 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: 55 applications in 2025, of which 41 were originated and 5 denied.
9.1% of all applications, or 10.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Residential Home Mortgage originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Residential Home 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