Royal United Mortgage in Pennsylvania vs the state
26.1%Denial rate+7.84 pts vs state
32.5%Decision denial rate+10.29 pts vs state
53.0%Origination rate-7.94 pts vs state
6.75%Median rate+0.13 pts vs state
1.14Rate spread (pts)+0.90 pts vs state
$40kMedian applicant income
211Loans originated
104Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 538 | 313 | 27.5% | 6.88% | #133 |
| 2024 | 504 | 310 | 23.6% | 6.88% | #145 |
| 2025 | 398 | 211 | 26.1% | 6.75% | #187 |
What Royal United Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 40 | 25 | 8 | 20.0% |
| Philadelphia County | 27 | 9 | 12 | 44.4% |
| Luzerne County | 20 | 12 | 4 | 20.0% |
| Washington County | 17 | 4 | 9 | 52.9% |
| Erie County | 15 | 8 | 4 | 26.7% |
| Schuylkill County | 15 | 6 | 4 | 26.7% |
| Westmoreland County | 12 | 6 | 4 | 33.3% |
| Berks County | 12 | 9 | 1 | 8.3% |
| Dauphin County | 11 | 6 | 3 | 27.3% |
| Butler County | 10 | 8 | 2 | 20.0% |
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: 398 applications in 2025, of which 211 were originated and 104 denied.
26.1% of all applications, or 32.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Royal United Mortgage originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Royal United 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