Figure Lending in Pennsylvania vs the state
26.3%Denial rate+8.04 pts vs state
27.7%Decision denial rate+5.45 pts vs state
46.2%Origination rate-14.78 pts vs state
9.60%Median rate+2.97 pts vs state
3.36Rate spread (pts)+3.12 pts vs state
$100kMedian applicant income
1,075Loans originated
613Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,796 | 757 | 36.9% | 11.35% | #46 |
| 2024 | 2,372 | 1,100 | 29.4% | 11.25% | #42 |
| 2025 | 2,328 | 1,075 | 26.3% | 9.60% | #46 |
What Figure Lending lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 245 | 115 | 62 | 25.3% |
| Montgomery County | 165 | 82 | 42 | 25.5% |
| Philadelphia County | 157 | 69 | 46 | 29.3% |
| Delaware County | 130 | 62 | 34 | 26.2% |
| Bucks County | 117 | 55 | 27 | 23.1% |
| York County | 112 | 62 | 29 | 25.9% |
| Berks County | 109 | 53 | 21 | 19.3% |
| Chester County | 104 | 43 | 27 | 26.0% |
| Lehigh County | 99 | 44 | 24 | 24.2% |
| Lancaster County | 85 | 38 | 23 | 27.1% |
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: 2,328 applications in 2025, of which 1,075 were originated and 613 denied.
26.3% of all applications, or 27.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Figure Lending originated in Pennsylvania in 2025 was 9.60%, against a statewide median of 6.63%.
About this data. Figures are Figure Lending'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