Cfsbank in Pennsylvania vs the state
7.5%Denial rate-10.82 pts vs state
8.5%Decision denial rate-13.76 pts vs state
80.5%Origination rate+19.52 pts vs state
—Median rate
—Rate spread (pts)
$106kMedian applicant income
334Loans originated
31Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 199 | 138 | 14.1% | — | #272 |
| 2024 | 265 | 192 | 12.5% | — | #229 |
| 2025 | 415 | 334 | 7.5% | — | #179 |
What Cfsbank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Cfsbank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 139 | 114 | 5 | 3.6% |
| Fayette County | 65 | 53 | 5 | 7.7% |
| Butler County | 63 | 55 | 2 | 3.2% |
| Westmoreland County | 54 | 38 | 8 | 14.8% |
| Washington County | 52 | 36 | 9 | 17.3% |
| Beaver County | 19 | 16 | 1 | 5.3% |
| Armstrong County | 7 | 7 | 0 | 0.0% |
| Greene County | 3 | 3 | 0 | 0.0% |
| Mercer County | 2 | 2 | 0 | 0.0% |
| Indiana County | 2 | 2 | 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: 415 applications in 2025, of which 334 were originated and 31 denied.
7.5% of all applications, or 8.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Cfsbank'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