Wilmington Savings Fund Society in Pennsylvania vs the state
14.4%Denial rate-3.87 pts vs state
16.8%Decision denial rate-5.40 pts vs state
70.3%Origination rate+9.29 pts vs state
6.63%Median rate0.00 pts vs state
-0.06Rate spread (pts)-0.30 pts vs state
$129kMedian applicant income
1,700Loans originated
349Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,996 | 1,253 | 21.0% | 7.50% | #41 |
| 2024 | 2,238 | 1,500 | 19.3% | 7.25% | #44 |
| 2025 | 2,420 | 1,700 | 14.4% | 6.63% | #44 |
What Wilmington Savings Fund Society lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Wilmington Savings Fund Society applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 776 | 512 | 125 | 16.1% |
| Delaware County | 599 | 412 | 99 | 16.5% |
| Chester County | 447 | 333 | 52 | 11.6% |
| Montgomery County | 398 | 301 | 43 | 10.8% |
| Bucks County | 121 | 82 | 19 | 15.7% |
| Berks County | 11 | 9 | 1 | 9.1% |
| Lancaster County | 8 | 5 | 2 | 25.0% |
| Monroe County | 8 | 5 | 2 | 25.0% |
| Cumberland County | 7 | 5 | 1 | 14.3% |
| Lehigh County | 4 | 3 | 1 | 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: 2,420 applications in 2025, of which 1,700 were originated and 349 denied.
14.4% of all applications, or 16.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Wilmington Savings Fund Society originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Wilmington Savings Fund Society'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