Total Mortgage Services in Pennsylvania vs the state
5.2%Denial rate-13.06 pts vs state
6.4%Decision denial rate-15.86 pts vs state
76.5%Origination rate+15.51 pts vs state
6.99%Median rate+0.37 pts vs state
1.09Rate spread (pts)+0.85 pts vs state
$88kMedian applicant income
117Loans originated
8Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 21 | 13.2% | 6.75% | #513 |
| 2024 | 72 | 60 | 5.6% | 7.00% | #422 |
| 2025 | 153 | 117 | 5.2% | 6.99% | #320 |
What Total Mortgage Services lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Total Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Indiana County | 49 | 37 | 2 | 4.1% |
| Westmoreland County | 15 | 11 | 2 | 13.3% |
| Cambria County | 15 | 15 | 0 | 0.0% |
| Franklin County | 10 | 8 | 0 | 0.0% |
| Montgomery County | 7 | 4 | 1 | 14.3% |
| Allegheny County | 7 | 6 | 0 | 0.0% |
| Armstrong County | 7 | 7 | 0 | 0.0% |
| Monroe County | 6 | 2 | 1 | 16.7% |
| Pike County | 6 | 4 | 0 | 0.0% |
| Clearfield County | 5 | 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: 153 applications in 2025, of which 117 were originated and 8 denied.
5.2% of all applications, or 6.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Total Mortgage Services originated in Pennsylvania in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Total Mortgage Services'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