V.i.p. Mortgage in Pennsylvania vs the state
1.9%Denial rate-16.37 pts vs state
2.3%Decision denial rate-19.88 pts vs state
79.3%Origination rate+18.37 pts vs state
6.63%Median rate0.00 pts vs state
0.23Rate spread (pts)-0.01 pts vs state
$114kMedian applicant income
165Loans originated
4Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 13 | 6.3% | 6.63% | #639 |
| 2024 | 165 | 133 | 3.0% | 6.75% | #298 |
| 2025 | 208 | 165 | 1.9% | 6.63% | #266 |
What V.i.p. Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lehigh County | 36 | 25 | 0 | 0.0% |
| Northampton County | 34 | 27 | 0 | 0.0% |
| Montgomery County | 13 | 10 | 0 | 0.0% |
| Monroe County | 12 | 9 | 0 | 0.0% |
| Cumberland County | 12 | 8 | 1 | 8.3% |
| Berks County | 12 | 11 | 1 | 8.3% |
| Allegheny County | 10 | 7 | 0 | 0.0% |
| Carbon County | 9 | 8 | 0 | 0.0% |
| Delaware County | 8 | 7 | 0 | 0.0% |
| Schuylkill County | 7 | 5 | 1 | 14.3% |
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: 208 applications in 2025, of which 165 were originated and 4 denied.
1.9% of all applications, or 2.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans V.i.p. Mortgage originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are V.i.p. 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