Sierra Pacific Mortgage Company in Pennsylvania vs the state
9.6%Denial rate-8.69 pts vs state
10.7%Decision denial rate-11.54 pts vs state
78.8%Origination rate+17.83 pts vs state
6.63%Median rate0.00 pts vs state
0.25Rate spread (pts)+0.01 pts vs state
$104kMedian applicant income
156Loans originated
19Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 70 | 12.5% | 6.63% | #379 |
| 2024 | 139 | 103 | 10.8% | 6.63% | #322 |
| 2025 | 198 | 156 | 9.6% | 6.63% | #273 |
What Sierra Pacific Mortgage Company lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 41 | 35 | 5 | 12.2% |
| Allegheny County | 19 | 14 | 3 | 15.8% |
| York County | 15 | 15 | 0 | 0.0% |
| Montgomery County | 13 | 10 | 1 | 7.7% |
| Dauphin County | 11 | 10 | 0 | 0.0% |
| Bucks County | 10 | 7 | 0 | 0.0% |
| Lebanon County | 9 | 7 | 2 | 22.2% |
| Philadelphia County | 9 | 6 | 0 | 0.0% |
| Chester County | 9 | 5 | 2 | 22.2% |
| Lehigh County | 9 | 7 | 1 | 11.1% |
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: 198 applications in 2025, of which 156 were originated and 19 denied.
9.6% of all applications, or 10.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Sierra Pacific Mortgage Company originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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