Traditional Mortgage Acceptance in Pennsylvania vs the state
11.5%Denial rate-6.81 pts vs state
13.5%Decision denial rate-8.75 pts vs state
68.9%Origination rate+7.89 pts vs state
5.88%Median rate-0.75 pts vs state
—Rate spread (pts)
$27kMedian applicant income
42Loans originated
7Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 20 | 8.3% | 7.75% | #577 |
| 2024 | 61 | 48 | 16.4% | 6.67% | #444 |
| 2025 | 61 | 42 | 11.5% | 5.88% | #455 |
What Traditional Mortgage Acceptance lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Traditional Mortgage Acceptance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bucks County | 5 | 3 | 1 | 20.0% |
| Lancaster County | 5 | 2 | 0 | 0.0% |
| Chester County | 5 | 5 | 0 | 0.0% |
| Montgomery County | 5 | 3 | 0 | 0.0% |
| Berks County | 4 | 3 | 0 | 0.0% |
| Philadelphia County | 3 | 2 | 0 | 0.0% |
| York County | 3 | 3 | 0 | 0.0% |
| Lehigh County | 3 | 3 | 0 | 0.0% |
| Cumberland County | 3 | 1 | 0 | 0.0% |
| Allegheny County | 3 | 3 | 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: 61 applications in 2025, of which 42 were originated and 7 denied.
11.5% of all applications, or 13.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Traditional Mortgage Acceptance originated in Pennsylvania in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Traditional Mortgage Acceptance'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