T2 Financial in Pennsylvania vs the state
6.8%Denial rate-11.48 pts vs state
7.6%Decision denial rate-14.65 pts vs state
78.6%Origination rate+17.68 pts vs state
6.63%Median rate0.00 pts vs state
0.23Rate spread (pts)-0.01 pts vs state
$107kMedian applicant income
254Loans originated
22Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 349 | 248 | 11.2% | 6.63% | #186 |
| 2024 | 292 | 228 | 6.5% | 6.75% | #216 |
| 2025 | 323 | 254 | 6.8% | 6.63% | #217 |
What T2 Financial lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lehigh County | 78 | 57 | 6 | 7.7% |
| Chester County | 57 | 47 | 2 | 3.5% |
| Northampton County | 46 | 42 | 3 | 6.5% |
| Montgomery County | 25 | 21 | 1 | 4.0% |
| Carbon County | 24 | 19 | 1 | 4.2% |
| Berks County | 11 | 8 | 1 | 9.1% |
| Bucks County | 10 | 7 | 0 | 0.0% |
| Philadelphia County | 10 | 7 | 1 | 10.0% |
| Delaware County | 10 | 9 | 0 | 0.0% |
| Schuylkill County | 10 | 4 | 4 | 40.0% |
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: 323 applications in 2025, of which 254 were originated and 22 denied.
6.8% of all applications, or 7.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans T2 Financial originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are T2 Financial'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