Wells Fargo Bank in Pennsylvania vs the state
16.7%Denial rate-1.58 pts vs state
23.0%Decision denial rate+0.74 pts vs state
55.9%Origination rate-5.09 pts vs state
6.38%Median rate-0.25 pts vs state
0.08Rate spread (pts)-0.16 pts vs state
$95kMedian applicant income
1,628Loans originated
487Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,278 | 1,985 | 27.3% | 6.38% | #16 |
| 2024 | 3,090 | 1,446 | 24.1% | 6.50% | #37 |
| 2025 | 2,914 | 1,628 | 16.7% | 6.38% | #39 |
What Wells Fargo Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Wells Fargo Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 450 | 230 | 97 | 21.6% |
| Montgomery County | 254 | 141 | 36 | 14.2% |
| Bucks County | 191 | 117 | 25 | 13.1% |
| Delaware County | 189 | 95 | 39 | 20.6% |
| Allegheny County | 178 | 114 | 18 | 10.1% |
| Chester County | 164 | 115 | 10 | 6.1% |
| Berks County | 125 | 59 | 35 | 28.0% |
| Lehigh County | 122 | 68 | 21 | 17.2% |
| York County | 108 | 63 | 18 | 16.7% |
| Lancaster County | 103 | 60 | 15 | 14.6% |
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: 2,914 applications in 2025, of which 1,628 were originated and 487 denied.
16.7% of all applications, or 23.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Wells Fargo Bank originated in Pennsylvania in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Wells Fargo Bank'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