The Mortgage Link in Pennsylvania vs the state
3.2%Denial rate-15.06 pts vs state
4.0%Decision denial rate-18.21 pts vs state
61.3%Origination rate+0.33 pts vs state
6.63%Median rate0.00 pts vs state
0.47Rate spread (pts)+0.23 pts vs state
$95kMedian applicant income
19Loans originated
1Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 13 | 0.0% | 6.99% | #663 |
| 2024 | 20 | 18 | 0.0% | 6.63% | #611 |
| 2025 | 31 | 19 | 3.2% | 6.63% | #549 |
What The Mortgage Link lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most The Mortgage Link applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 19 | 12 | 1 | 5.3% |
| York County | 5 | 4 | 0 | 0.0% |
| Franklin County | 3 | 1 | 0 | 0.0% |
| Cumberland County | 2 | 1 | 0 | 0.0% |
| Dauphin County | 1 | 1 | 0 | 0.0% |
| Indiana County | 1 | 0 | 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: 31 applications in 2025, of which 19 were originated and 1 denied.
3.2% of all applications, or 4.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans The Mortgage Link originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are The Mortgage Link'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