States › Pennsylvania
Pennsylvania mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in Pennsylvania, with all 67 counties.
HMDA data alone cannot be used 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. Record year 2024.
Pennsylvania had 408,480 HMDA-reported mortgage applications and 246,029 originations ($56bn) in 2024, from 579 lenders with at least 25 applications in the state.
The statewide denial rate was 24.2% (national 24.3%) and the median rate spread 0.3 percentage points (national 0.3). Originations ran at 46.6 per 1,000 households, against 48.0 nationally.
Originations in the state went from 295,457 in 2018 to 246,029 in 2024; the denial rate moved from 24.8% to 24.2%.
The most active lenders by originations were Rocket Mortgage (13,900), CBNA Year to Date (9,085) and PNC Bank N.A. (8,902).
Most active lenders in Pennsylvania
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 18,803 | 13,900 | $2.8bn | 18.6% | 0.5 |
| 2 | CBNA Year to Date | 16,252 | 9,085 | $1.7bn | 34.6% | 0.7 |
| 3 | PNC Bank N.A. | 15,346 | 8,902 | $1.4bn | 28.6% | 0.7 |
| 4 | United Wholesale Mortgage | 10,519 | 7,776 | $2.1bn | 13.7% | 0.2 |
| 5 | Crosscountry Mortgage, LLC | 9,785 | 7,065 | $2.1bn | 2.7% | 0.5 |
| 6 | Members 1st | 11,450 | 6,155 | $673m | 39.8% | -3.0 |
| 7 | Pa State Employees CU | 8,287 | 5,706 | $626m | 17.7% | 0.7 |
| 8 | First National Bank of Pa | 8,640 | 4,945 | $968m | 35.5% | 0.1 |
| 9 | Police and Fire Federal Credit Union | 8,640 | 4,301 | $412m | 40.4% | 0.0 |
| 10 | Movement Mortgage, LLC | 5,053 | 3,907 | $1.0bn | 3.9% | 0.4 |
| 11 | Pennymac Loan Services LLC | 5,552 | 3,189 | $893m | 18.2% | 0.3 |
| 12 | Fulton Bank, National Association | 4,666 | 2,989 | $667m | 23.3% | -0.3 |
| 13 | M&T Bank | 4,463 | 2,822 | $402m | 30.1% | 0.7 |
| 14 | Guaranteed Rate, Inc. | 3,874 | 2,661 | $976m | 5.6% | 0.1 |
| 15 | Guild Mortgage Company | 3,299 | 2,622 | $668m | 3.7% | 0.3 |
| 16 | Dollar Bank, FSB | 3,898 | 2,615 | $480m | 25.8% | 0.3 |
| 17 | Prosperity Home Mortgage, LLC | 3,342 | 2,531 | $792m | 7.4% | 0.3 |
| 18 | CMG Mortgage Inc | 3,391 | 2,502 | $675m | 5.1% | 0.4 |
| 19 | First Commonwealth Bank | 4,371 | 2,463 | $311m | 32.0% | -0.4 |
| 20 | S&T Bank | 3,621 | 2,313 | $471m | 26.2% | -0.4 |
| 21 | Mortgage Research Center | 4,533 | 2,308 | $603m | 25.1% | 0.0 |
| 22 | Citadel Federal Credit Union | 3,861 | 2,096 | $311m | 32.9% | 0.8 |
| 23 | Navy Federal Credit Union | 4,432 | 2,079 | $414m | 33.0% | 0.6 |
| 24 | TruMark Financial Credit Union | 3,696 | 2,039 | $348m | 30.7% | -0.4 |
| 25 | Huntington National Bank | 3,680 | 1,923 | $370m | 35.0% | 0.7 |
| 26 | Newrez LLC | 4,958 | 1,921 | $491m | 32.8% | 0.5 |
| 27 | Truist Bank | 4,154 | 1,897 | $353m | 46.1% | 0.3 |
| 28 | Univest Bank and Trust Co. | 2,541 | 1,840 | $453m | 9.2% | 0.3 |
| 29 | TD Bank | 3,453 | 1,825 | $562m | 34.3% | 0.4 |
| 30 | New American Funding, LLC. | 4,162 | 1,704 | $420m | 21.5% | 0.6 |
| 31 | Northwest Bank | 2,528 | 1,703 | $197m | 22.4% | -0.1 |
| 32 | Loandepot.com, LLC | 3,490 | 1,702 | $370m | 35.8% | 0.6 |
| 33 | Nvr Mortgage Finance, Inc. | 2,090 | 1,654 | $670m | 11.9% | -0.0 |
| 34 | American Heritage Federal Credit Union | 3,277 | 1,644 | $215m | 43.3% | 0.8 |
| 35 | Mortgage America, Inc. | 1,924 | 1,611 | $454m | 2.2% | 0.3 |
| 36 | Union Home Mortgage Corp. | 1,953 | 1,551 | $405m | 5.7% | 0.4 |
| 37 | Bank of America NA | 4,075 | 1,545 | $433m | 48.1% | 0.7 |
| 38 | WSFS bank | 2,238 | 1,500 | $439m | 22.1% | 0.1 |
| 39 | Freedom Mortgage Corporation | 3,601 | 1,484 | $382m | 20.9% | 0.5 |
| 40 | Jersey Shore State Bank | 1,704 | 1,469 | $192m | 5.1% | -1.8 |
| 41 | Wells Fargo Bank NA | 3,090 | 1,446 | $509m | 33.8% | 0.1 |
| 42 | JPMorgan Chase Bank, NA | 2,273 | 1,430 | $839m | 12.7% | 0.1 |
| 43 | Nationstar Mortgage | 2,219 | 1,427 | $238m | 18.9% | 1.2 |
| 44 | Discover Bank | 8,704 | 1,355 | $110m | 75.8% | 2.3 |
| 45 | Fairway Independent Mort Corp | 1,607 | 1,277 | $339m | 5.9% | 0.4 |
| 46 | Howard Hanna Financial Services, Inc | 1,455 | 1,189 | $302m | 2.8% | 0.3 |
| 47 | Kiavi Funding, Inc. | 1,651 | 1,186 | $223m | 10.1% | — |
| 48 | Guaranteed Rate Affinity, LLC | 1,550 | 1,153 | $319m | 4.8% | 0.3 |
| 49 | Clearview Federal Credit Union | 1,730 | 1,142 | $97m | 27.2% | 0.3 |
| 50 | Figure Lending LLC | 2,372 | 1,100 | $71m | 31.2% | 4.8 |
| 51 | Ixonia Bank | 1,410 | 1,096 | $264m | 4.4% | 0.6 |
| 52 | First Commonwealth Federal Cre | 1,659 | 1,088 | $125m | 22.9% | -0.0 |
| 53 | Philadelphia Federal Credit Un | 1,937 | 1,039 | $161m | 40.4% | 1.1 |
| 54 | Diamond Credit Union | 1,443 | 1,030 | $99m | 20.8% | -0.2 |
| 55 | Journey Bank | 1,148 | 1,022 | $164m | 4.0% | -0.8 |
| 56 | CNB Bank | 1,235 | 985 | $118m | 12.8% | 0.4 |
| 57 | Plaza Home Mortgage, Inc | 1,406 | 949 | $225m | 20.3% | 0.4 |
| 58 | Traditions Bank | 1,140 | 946 | $246m | 9.2% | 0.3 |
| 59 | Provident Funding Associates | 1,296 | 901 | $324m | 6.6% | -0.1 |
| 60 | The Ephrata National Bank | 1,318 | 895 | $214m | 21.0% | -0.0 |
Top 60 of 579 lenders with at least 25 applications in the state, by originations. 373 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | Pennsylvania | United States |
|---|---|---|
| Denial rate | 24.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.1% | 15.6% |
| Average originated loan | $226k | $329k |
| Originations per 1,000 households | 46.6 | 48.0 |
| Home purchase share of originations | 48.7% | 57.0% |
| FHA-insured share | 9.8% | 13.4% |
| VA-guaranteed share | 4.0% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
PennsylvaniaUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 485,109 | 295,457 | $53bn | 24.8% | 12.2% | 4.0% | 30.9% |
| 2019 | 527,806 | 329,335 | $66bn | 22.5% | 12.3% | 4.8% | 36.8% |
| 2020 | 709,436 | 456,771 | $104bn | 17.5% | 9.5% | 5.6% | 55.6% |
| 2021 | 783,789 | 507,990 | $117bn | 17.5% | 9.1% | 4.8% | 54.6% |
| 2022 | 533,462 | 329,859 | $76bn | 22.2% | 9.0% | 3.4% | 31.2% |
| 2023 | 391,229 | 233,972 | $49bn | 24.9% | 10.2% | 3.2% | 21.9% |
| 2024 | 408,480 | 246,029 | $56bn | 24.2% | 9.8% | 4.0% | 24.2% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 49% (119,931)Home improvement 15% (36,621)Refinancing 13% (32,027)Cash-out refinancing 11% (27,586)Other purpose 12% (29,833)
By type
Conventional 86% (210,695)FHA 10% (24,059)VA 4% (9,856)USDA 1% (1,419)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| Allegheny County | 38,296 | 23,463 | 43.0 | 22.6% | 0.4 | 142 |
| Philadelphia County | 43,956 | 22,981 | 33.8 | 30.8% | 0.3 | 172 |
| Montgomery County | 28,385 | 17,511 | 52.2 | 21.1% | 0.3 | 138 |
| Bucks County | 20,703 | 12,578 | 50.5 | 23.0% | 0.3 | 119 |
| York County | 18,740 | 11,551 | 63.6 | 24.1% | 0.3 | 100 |
| Chester County | 18,367 | 11,453 | 55.9 | 20.7% | 0.3 | 103 |
| Delaware County | 19,050 | 11,064 | 51.0 | 25.1% | 0.3 | 109 |
| Lancaster County | 16,566 | 10,203 | 48.0 | 24.4% | 0.2 | 79 |
| Berks County | 14,161 | 8,751 | 53.6 | 23.9% | 0.4 | 81 |
| Lehigh County | 12,148 | 7,345 | 50.9 | 24.0% | 0.4 | 85 |
| Westmoreland County | 10,924 | 6,826 | 44.0 | 23.3% | 0.3 | 70 |
| Northampton County | 10,487 | 6,160 | 50.2 | 24.5% | 0.4 | 69 |
| Dauphin County | 10,237 | 6,154 | 50.7 | 25.4% | 0.3 | 65 |
| Luzerne County | 10,012 | 6,125 | 45.4 | 23.6% | 0.5 | 73 |
| Cumberland County | 9,564 | 6,031 | 56.7 | 22.6% | 0.1 | 68 |
| Monroe County | 8,387 | 4,330 | 70.7 | 28.8% | 0.6 | 69 |
| Erie County | 6,960 | 4,326 | 39.1 | 24.8% | 0.4 | 47 |
| Butler County | 6,298 | 4,282 | 53.0 | 17.8% | 0.3 | 51 |
| Washington County | 6,766 | 4,215 | 47.6 | 22.7% | 0.4 | 59 |
| Lackawanna County | 6,659 | 4,099 | 46.4 | 22.1% | 0.4 | 52 |
| Franklin County | 5,547 | 3,567 | 56.2 | 21.9% | 0.2 | 41 |
| Beaver County | 5,639 | 3,458 | 47.9 | 23.8% | 0.4 | 51 |
| Lebanon County | 4,646 | 2,969 | 52.4 | 21.2% | 0.3 | 41 |
| Lycoming County | 3,443 | 2,462 | 52.5 | 15.9% | -0.1 | 24 |
| Schuylkill County | 4,262 | 2,462 | 42.5 | 26.8% | 0.6 | 40 |
| Adams County | 3,870 | 2,368 | 58.0 | 24.4% | 0.3 | 34 |
| Centre County | 3,247 | 2,260 | 38.3 | 17.4% | 0.2 | 27 |
| Cambria County | 3,305 | 2,034 | 36.3 | 27.0% | 0.3 | 25 |
| Blair County | 3,094 | 1,972 | 39.0 | 22.5% | 0.4 | 29 |
| Fayette County | 3,293 | 1,902 | 34.5 | 27.7% | 0.5 | 29 |
| Pike County | 3,252 | 1,845 | 76.0 | 25.1% | 0.5 | 32 |
| Mercer County | 3,028 | 1,805 | 38.8 | 25.3% | 0.5 | 25 |
| Carbon County | 2,948 | 1,762 | 64.6 | 23.8% | 0.6 | 38 |
| Lawrence County | 2,744 | 1,602 | 44.4 | 27.1% | 0.5 | 21 |
| Northumberland County | 2,179 | 1,411 | 37.2 | 21.8% | 0.4 | 20 |
| Clearfield County | 2,084 | 1,320 | 40.6 | 24.3% | 0.4 | 16 |
| Crawford County | 2,111 | 1,295 | 38.3 | 24.4% | 0.4 | 19 |
| Indiana County | 2,080 | 1,264 | 38.9 | 25.3% | 0.3 | 17 |
| Somerset County | 2,091 | 1,259 | 42.9 | 27.2% | 0.2 | 14 |
| Wayne County | 2,052 | 1,257 | 60.2 | 22.0% | 0.4 | 20 |
| Columbia County | 1,779 | 1,150 | 43.6 | 20.3% | 0.4 | 14 |
| Armstrong County | 1,696 | 1,052 | 37.5 | 23.5% | 0.5 | 16 |
| Perry County | 1,664 | 1,023 | 55.9 | 25.1% | 0.2 | 13 |
| Bradford County | 1,514 | 955 | 38.8 | 23.0% | 0.5 | 12 |
| Bedford County | 1,291 | 807 | 40.9 | 26.0% | 0.4 | 14 |
| Mifflin County | 1,183 | 775 | 41.9 | 22.3% | 0.6 | 7 |
| Clinton County | 1,179 | 771 | 50.0 | 20.3% | -0.0 | 9 |
| Huntingdon County | 1,149 | 728 | 44.6 | 23.5% | 0.5 | 7 |
| Tioga County | 1,094 | 696 | 41.7 | 22.0% | 0.5 | 8 |
| Jefferson County | 1,030 | 636 | 34.7 | 25.1% | 0.2 | 8 |
| Susquehanna County | 1,100 | 630 | 40.6 | 26.8% | 0.3 | 10 |
| Venango County | 1,049 | 630 | 29.4 | 25.0% | 0.5 | 10 |
| Union County | 839 | 584 | 40.1 | 17.6% | 0.3 | 10 |
| Warren County | 892 | 559 | 34.7 | 23.4% | 0.6 | 6 |
| Snyder County | 708 | 454 | 31.1 | 22.6% | 0.3 | 8 |
| Wyoming County | 729 | 436 | 40.0 | 25.4% | 0.4 | 6 |
| Elk County | 716 | 426 | 32.0 | 28.6% | 0.4 | 5 |
| Greene County | 664 | 402 | 28.1 | 24.0% | 0.5 | 6 |
| Clarion County | 617 | 399 | 26.5 | 22.4% | 0.4 | 8 |
| Montour County | 514 | 377 | 48.0 | 13.5% | 0.2 | 3 |
| McKean County | 635 | 369 | 22.5 | 29.1% | 0.7 | 5 |
| Juniata County | 528 | 331 | 36.7 | 24.6% | 0.4 | 7 |
| Potter County | 424 | 250 | 35.8 | 27.9% | 0.5 | 3 |
| Fulton County | 405 | 219 | 34.5 | 32.6% | 0.4 | 2 |
| Sullivan County | 201 | 131 | 51.4 | 21.7% | 0.4 | 1 |
| Forest County | 137 | 72 | 37.5 | 33.9% | 0.9 | 0 |
| Cameron County | 82 | 41 | 18.5 | 33.3% | 0.8 | 0 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Pennsylvania originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in Pennsylvania?
By 2024 originations: Rocket Mortgage (13,900), CBNA Year to Date (9,085), PNC Bank N.A. (8,902), United Wholesale Mortgage (7,776), Crosscountry Mortgage, LLC (7,065). 579 lenders had at least 25 applications in the state.
What is the mortgage denial rate in Pennsylvania?
24.2% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in Pennsylvania changed since 2018?
Originations went from 295,457 in 2018 to 246,029 in 2024; the denial rate moved from 24.8% to 24.2%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.