The Federal Savings Bank in Pennsylvania vs the state
9.7%Denial rate-8.56 pts vs state
16.5%Decision denial rate-5.76 pts vs state
48.5%Origination rate-12.43 pts vs state
6.63%Median rate0.00 pts vs state
0.49Rate spread (pts)+0.25 pts vs state
$78kMedian applicant income
379Loans originated
76Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 527 | 158 | 12.9% | 6.50% | #136 |
| 2024 | 494 | 175 | 9.7% | 6.50% | #151 |
| 2025 | 781 | 379 | 9.7% | 6.63% | #115 |
What The Federal Savings Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 171 | 110 | 11 | 6.4% |
| Lehigh County | 52 | 33 | 7 | 13.5% |
| Montgomery County | 45 | 19 | 6 | 13.3% |
| Luzerne County | 40 | 29 | 1 | 2.5% |
| Monroe County | 37 | 13 | 3 | 8.1% |
| Delaware County | 34 | 12 | 4 | 11.8% |
| Allegheny County | 33 | 6 | 6 | 18.2% |
| Bucks County | 32 | 17 | 1 | 3.1% |
| Berks County | 28 | 15 | 1 | 3.6% |
| York County | 24 | 10 | 4 | 16.7% |
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: 781 applications in 2025, of which 379 were originated and 76 denied.
9.7% of all applications, or 16.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans The Federal Savings Bank originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings Bank'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