Valon Mortgage in Pennsylvania vs the state
22.7%Denial rate+4.37 pts vs state
27.2%Decision denial rate+5.01 pts vs state
56.7%Origination rate-4.31 pts vs state
9.00%Median rate+2.38 pts vs state
2.94Rate spread (pts)+2.70 pts vs state
$102kMedian applicant income
115Loans originated
46Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 26 | 12 | 19.2% | 6.25% | #571 |
| 2025 | 203 | 115 | 22.7% | 9.00% | #271 |
What Valon Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 27 | 14 | 8 | 29.6% |
| Montgomery County | 22 | 14 | 4 | 18.2% |
| Delaware County | 13 | 5 | 4 | 30.8% |
| Berks County | 11 | 8 | 3 | 27.3% |
| York County | 11 | 6 | 3 | 27.3% |
| Bucks County | 10 | 6 | 2 | 20.0% |
| Monroe County | 9 | 3 | 2 | 22.2% |
| Philadelphia County | 9 | 3 | 5 | 55.6% |
| Chester County | 9 | 3 | 2 | 22.2% |
| Cumberland County | 8 | 4 | 2 | 25.0% |
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: 203 applications in 2025, of which 115 were originated and 46 denied.
22.7% of all applications, or 27.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Valon Mortgage originated in Pennsylvania in 2025 was 9.00%, against a statewide median of 6.63%.
About this data. Figures are Valon 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