Ice Lender Holdings in Pennsylvania vs the state
16.4%Denial rate-1.88 pts vs state
24.8%Decision denial rate+2.59 pts vs state
49.7%Origination rate-11.22 pts vs state
7.25%Median rate+0.63 pts vs state
—Rate spread (pts)
—Median applicant income
191Loans originated
63Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 131 | 27 | 38.2% | 8.63% | #338 |
| 2024 | 264 | 94 | 23.5% | 7.75% | #231 |
| 2025 | 384 | 191 | 16.4% | 7.25% | #198 |
What Ice Lender Holdings lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Ice Lender Holdings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 213 | 93 | 34 | 16.0% |
| Lehigh County | 23 | 16 | 1 | 4.3% |
| Lackawanna County | 22 | 14 | 4 | 18.2% |
| Delaware County | 21 | 11 | 1 | 4.8% |
| Luzerne County | 18 | 10 | 4 | 22.2% |
| Montgomery County | 17 | 10 | 4 | 23.5% |
| Bucks County | 12 | 10 | 1 | 8.3% |
| Northampton County | 9 | 5 | 4 | 44.4% |
| Dauphin County | 8 | 3 | 3 | 37.5% |
| Chester County | 7 | 4 | 1 | 14.3% |
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: 384 applications in 2025, of which 191 were originated and 63 denied.
16.4% of all applications, or 24.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Ice Lender Holdings originated in Pennsylvania in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Ice Lender Holdings'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