Vanderbilt Mortgage and Finance in Pennsylvania vs the state
47.6%Denial rate+29.29 pts vs state
81.2%Decision denial rate+59.02 pts vs state
9.9%Origination rate-51.09 pts vs state
10.50%Median rate+3.88 pts vs state
4.87Rate spread (pts)+4.64 pts vs state
$58kMedian applicant income
96Loans originated
463Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 640 | 85 | 42.8% | 9.75% | #111 |
| 2024 | 698 | 62 | 51.7% | 10.25% | #108 |
| 2025 | 973 | 96 | 47.6% | 10.50% | #89 |
What Vanderbilt Mortgage and Finance lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 74 | 6 | 33 | 44.6% |
| York County | 70 | 11 | 35 | 50.0% |
| Chester County | 58 | 4 | 27 | 46.6% |
| Erie County | 53 | 7 | 30 | 56.6% |
| Cumberland County | 51 | 6 | 27 | 52.9% |
| Westmoreland County | 48 | 6 | 23 | 47.9% |
| Columbia County | 39 | 5 | 12 | 30.8% |
| Fayette County | 38 | 3 | 23 | 60.5% |
| Luzerne County | 36 | 3 | 13 | 36.1% |
| Washington County | 35 | 4 | 13 | 37.1% |
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: 973 applications in 2025, of which 96 were originated and 463 denied.
47.6% of all applications, or 81.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Pennsylvania in 2025 was 10.50%, against a statewide median of 6.63%.
About this data. Figures are Vanderbilt Mortgage and Finance'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