Name of the lender

AdvantageFirst Lending Inc in PennsylvaniaMortgage rates, total loan costs and denial rate for homes in Pennsylvania, 2025

HMDA year2025

StatePennsylvania

Head office: Lake Forest, CA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

AdvantageFirst Lending Inc reported 651 applications for homes in Pennsylvania in the HMDA data of 2025.

It originated 224 loans in the state in 2025, for $64.3 million in total.

The median interest rate of these loans in 2025 was 6.125%, and the median of all lenders in Pennsylvania was 6.500%.

The median total loan costs in 2025 were $18,166, and the state median was $6,390.

It denied 33.5% of the applications that it decided in the state in 2025, and the state denial rate was 22.2%.

Filed figures of AdvantageFirst Lending Inc in Pennsylvania, 2025
Figure	In PA	Lender, all states	PA, all lenders
Applications	651	12,186	447,498
Loans originated	224	4,137	272,809
Median interest rate	6.125%	6.125%	6.500%
Median total loan costs	$18,166	$18,448	$6,390
Denial rate	33.5%	34.9%	22.2%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in PA

Pricing medians of AdvantageFirst Lending Inc in Pennsylvania, 2025Each value has the median of all lenders in Pennsylvania under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in PA	223	6.125%PA 6.500%	$18,166PA $6,390	$11,315PA $1,910	$8,940PA $2,227	$100PA $500	0.464PA 0.232

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.464 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,392 more a year, or $116 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in Pennsylvania by the action taken
Action taken	Records	Share
1Loan originated	224	34.4%
2Application approved but not accepted	0	0.0%
3Application denied	113	17.4%
4Application withdrawn by applicant	290	44.5%
5File closed for incompleteness	24	3.7%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Pennsylvania by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	107	35	35.2%
FHA-insured	373	135	31.8%
VA-guaranteed	171	54	36.5%

Counties in Pennsylvania

Counties of AdvantageFirst Lending Inc in Pennsylvania with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Allegheny County	41	20	$5.5 million	25.9%
Berks County	38	13	$3.0 million	n/a
Bucks County	32	12	$4.3 million	n/a
Chester County	26	13	$5.8 million	n/a
Cumberland County	25	9	$2.4 million	n/a
Delaware County	38	11	$3.0 million	n/a
Lancaster County	34	12	$3.4 million	n/a
Lehigh County	26	11	$3.2 million	n/a
Monroe County	28	11	$2.6 million	n/a
Montgomery County	41	12	$4.8 million	n/a
Northampton County	41	15	$4.1 million	n/a
Philadelphia County	54	12	$3.0 million	n/a
York County	30	14	$3.6 million	n/a

Figures by year

AdvantageFirst Lending Inc in Pennsylvania by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	651	224	$64.3 million	6.125%	$18,166	33.5%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "AdvantageFirst Lending Inc in Pennsylvania, 2025", https://lenderregister.com/lender/254900m2c4q6datp2889-advantagefirst-lending-inc/pa/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Pennsylvania. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of AdvantageFirst Lending Inc were in Pennsylvania in 2025?: 224 of its loans originated, out of 4,137 in all states. That is 5.4%.
In which counties of Pennsylvania did AdvantageFirst Lending Inc originate the most loans in 2025?: The three with the most loans were Allegheny County (20), Northampton County (15) and York County (14).
Which loan types did AdvantageFirst Lending Inc originate in Pennsylvania in 2025?: 35 conventional, 135 FHA and 54 VA.
What share of the applications in Pennsylvania did AdvantageFirst Lending Inc report in 2025?: 0.1%: 651 out of 447,498 applications of all lenders in the state.