Affinity in Pennsylvania vs the state
24.0%Denial rate+5.71 pts vs state
27.6%Decision denial rate+5.38 pts vs state
60.0%Origination rate-0.96 pts vs state
4.90%Median rate-1.72 pts vs state
-2.23Rate spread (pts)-2.47 pts vs state
$129kMedian applicant income
60Loans originated
24Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 58 | 32.8% | 8.00% | #353 |
| 2024 | 77 | 35 | 39.0% | 7.00% | #409 |
| 2025 | 100 | 60 | 24.0% | 4.90% | #375 |
What Affinity lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Northampton County | 24 | 14 | 3 | 12.5% |
| Bucks County | 17 | 12 | 4 | 23.5% |
| Monroe County | 11 | 6 | 2 | 18.2% |
| Montgomery County | 7 | 3 | 1 | 14.3% |
| Pike County | 6 | 2 | 3 | 50.0% |
| Philadelphia County | 5 | 3 | 2 | 40.0% |
| Lehigh County | 5 | 4 | 1 | 20.0% |
| Allegheny County | 5 | 3 | 1 | 20.0% |
| Delaware County | 3 | 2 | 1 | 33.3% |
| York County | 3 | 2 | 1 | 33.3% |
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: 100 applications in 2025, of which 60 were originated and 24 denied.
24.0% of all applications, or 27.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Affinity originated in Pennsylvania in 2025 was 4.90%, against a statewide median of 6.63%.
About this data. Figures are Affinity'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