Zillow Home Loans in Pennsylvania vs the state
5.2%Denial rate-13.11 pts vs state
6.5%Decision denial rate-15.71 pts vs state
72.8%Origination rate+11.87 pts vs state
6.63%Median rate0.00 pts vs state
0.48Rate spread (pts)+0.24 pts vs state
$84kMedian applicant income
394Loans originated
28Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 293 | 212 | 5.5% | 6.75% | #214 |
| 2024 | 357 | 277 | 6.4% | 6.75% | #188 |
| 2025 | 541 | 394 | 5.2% | 6.63% | #147 |
What Zillow Home Loans lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 67 | 45 | 5 | 7.5% |
| Montgomery County | 50 | 43 | 0 | 0.0% |
| Allegheny County | 41 | 29 | 1 | 2.4% |
| Delaware County | 40 | 29 | 1 | 2.5% |
| Chester County | 30 | 25 | 1 | 3.3% |
| Monroe County | 25 | 17 | 2 | 8.0% |
| York County | 19 | 15 | 1 | 5.3% |
| Erie County | 18 | 15 | 0 | 0.0% |
| Westmoreland County | 16 | 13 | 0 | 0.0% |
| Bucks County | 14 | 10 | 0 | 0.0% |
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: 541 applications in 2025, of which 394 were originated and 28 denied.
5.2% of all applications, or 6.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Zillow Home Loans originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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