Lender in Pennsylvania · HMDA 2025
Rate mortgages in Pennsylvania
Rate's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Rate originated 2,663 owner-occupied single-family loans in Pennsylvania from 2,814 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $6,950 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.575% (Pennsylvania: 6.625%).
Loans in PA
2,663
of 2,814 applications
Denial rate
3.3%
Purchase · PA 6.7%
Rate spread
+0.07 pts
Conv. · PA +0.17 pts
Loan amount
$355,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,475 | 2,377 | 3.3% | 6.575% | +0.07 pts | $6,950 | $355,000 |
| Refinance | 184 | 172 | 4.9% | 6.250% | −0.07 pts | $6,040 | $455,000 |
| Cash-out refinance | 155 | 114 | 24.5% | 6.875% | +0.31 pts | $6,410 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Philadelphia County | 2 | 911 | 7.3% |
| Pike County | 2 | 105 | 9.8% |
| Delaware County | 3 | 330 | 5.4% |
| Montgomery County | 4 | 445 | 4.6% |
| Chester County | 4 | 291 | 4.3% |
| Bucks County | 6 | 214 | 3.0% |
| Wayne County | 10 | 16 | 2.8% |
| Monroe County | 16 | 31 | 1.4% |
| Berks County | 20 | 53 | 1.2% |
| Dauphin County | 22 | 32 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology