Service 1st in Pennsylvania vs the state
6.8%Denial rate-11.51 pts vs state
6.9%Decision denial rate-15.35 pts vs state
90.8%Origination rate+29.84 pts vs state
7.50%Median rate+0.88 pts vs state
0.24Rate spread (pts)0.00 pts vs state
$97kMedian applicant income
750Loans originated
56Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 205 | 173 | 13.7% | 7.29% | #265 |
| 2024 | 739 | 669 | 8.4% | 8.50% | #103 |
| 2025 | 826 | 750 | 6.8% | 7.50% | #109 |
What Service 1st lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Service 1st applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Northumberland County | 220 | 199 | 15 | 6.8% |
| Union County | 121 | 111 | 7 | 5.8% |
| Columbia County | 119 | 105 | 12 | 10.1% |
| Montour County | 88 | 82 | 5 | 5.7% |
| Lycoming County | 86 | 75 | 8 | 9.3% |
| Snyder County | 70 | 64 | 5 | 7.1% |
| Luzerne County | 62 | 61 | 1 | 1.6% |
| Schuylkill County | 16 | 14 | 1 | 6.3% |
| Lackawanna County | 10 | 9 | 0 | 0.0% |
| Juniata County | 5 | 5 | 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: 826 applications in 2025, of which 750 were originated and 56 denied.
6.8% of all applications, or 6.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Service 1st originated in Pennsylvania in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Service 1st'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