Kiavi Funding in Pennsylvania vs the state
7.6%Denial rate-10.71 pts vs state
11.7%Decision denial rate-10.51 pts vs state
55.0%Origination rate-5.95 pts vs state
9.50%Median rate+2.88 pts vs state
—Rate spread (pts)
—Median applicant income
1,829Loans originated
252Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,111 | 644 | 15.9% | 10.95% | #71 |
| 2024 | 1,651 | 1,186 | 8.4% | 10.75% | #54 |
| 2025 | 3,325 | 1,829 | 7.6% | 9.50% | #36 |
What Kiavi Funding lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 1,132 | 664 | 77 | 6.8% |
| Allegheny County | 484 | 200 | 27 | 5.6% |
| York County | 249 | 151 | 4 | 1.6% |
| Delaware County | 171 | 130 | 6 | 3.5% |
| Luzerne County | 146 | 69 | 47 | 32.2% |
| Berks County | 87 | 58 | 7 | 8.0% |
| Montgomery County | 84 | 39 | 9 | 10.7% |
| Lackawanna County | 80 | 51 | 13 | 16.3% |
| Lehigh County | 79 | 51 | 4 | 5.1% |
| Fayette County | 76 | 38 | 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: 3,325 applications in 2025, of which 1,829 were originated and 252 denied.
7.6% of all applications, or 11.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Kiavi Funding originated in Pennsylvania in 2025 was 9.50%, against a statewide median of 6.63%.
About this data. Figures are Kiavi Funding'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