Cliffco in Pennsylvania vs the state
10.3%Denial rate-8.03 pts vs state
12.9%Decision denial rate-9.31 pts vs state
66.7%Origination rate+5.71 pts vs state
7.19%Median rate+0.56 pts vs state
0.95Rate spread (pts)+0.71 pts vs state
$196kMedian applicant income
26Loans originated
4Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 20 | 14.7% | 7.56% | #527 |
| 2024 | 36 | 29 | 2.8% | 7.75% | #521 |
| 2025 | 39 | 26 | 10.3% | 7.19% | #511 |
What Cliffco lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Cliffco applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 7 | 7 | 0 | 0.0% |
| Philadelphia County | 6 | 3 | 2 | 33.3% |
| Pike County | 5 | 2 | 1 | 20.0% |
| Allegheny County | 4 | 4 | 0 | 0.0% |
| Montgomery County | 4 | 2 | 1 | 25.0% |
| Berks County | 3 | 3 | 0 | 0.0% |
| Chester County | 3 | 1 | 0 | 0.0% |
| Carbon County | 2 | 1 | 0 | 0.0% |
| Tioga County | 1 | 1 | 0 | 0.0% |
| Lebanon County | 1 | 0 | 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: 39 applications in 2025, of which 26 were originated and 4 denied.
10.3% of all applications, or 12.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Cliffco originated in Pennsylvania in 2025 was 7.19%, against a statewide median of 6.63%.
About this data. Figures are Cliffco'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