Tomo Mortgage in Pennsylvania vs the state
8.7%Denial rate-9.56 pts vs state
19.3%Decision denial rate-2.91 pts vs state
36.2%Origination rate-24.72 pts vs state
6.38%Median rate-0.25 pts vs state
-0.11Rate spread (pts)-0.35 pts vs state
$167kMedian applicant income
137Loans originated
33Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 76 | 27 | 2.6% | 6.63% | #414 |
| 2025 | 378 | 137 | 8.7% | 6.38% | #199 |
What Tomo Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Tomo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 61 | 21 | 3 | 4.9% |
| Allegheny County | 55 | 15 | 7 | 12.7% |
| Montgomery County | 40 | 12 | 4 | 10.0% |
| Chester County | 27 | 11 | 0 | 0.0% |
| Bucks County | 25 | 6 | 3 | 12.0% |
| Delaware County | 18 | 3 | 0 | 0.0% |
| Northampton County | 15 | 7 | 1 | 6.7% |
| Lehigh County | 14 | 8 | 2 | 14.3% |
| Lancaster County | 11 | 2 | 2 | 18.2% |
| Berks County | 11 | 4 | 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: 378 applications in 2025, of which 137 were originated and 33 denied.
8.7% of all applications, or 19.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Tomo Mortgage originated in Pennsylvania in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Tomo Mortgage'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