Kind Lending in Pennsylvania vs the state
22.6%Denial rate+4.33 pts vs state
24.0%Decision denial rate+1.78 pts vs state
71.0%Origination rate+10.07 pts vs state
6.63%Median rate0.00 pts vs state
0.37Rate spread (pts)+0.14 pts vs state
$109kMedian applicant income
782Loans originated
249Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 609 | 425 | 21.2% | 6.63% | #116 |
| 2024 | 836 | 593 | 19.6% | 6.63% | #97 |
| 2025 | 1,101 | 782 | 22.6% | 6.63% | #82 |
What Kind Lending lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Luzerne County | 124 | 89 | 28 | 22.6% |
| Montgomery County | 93 | 64 | 23 | 24.7% |
| Philadelphia County | 84 | 46 | 28 | 33.3% |
| Lackawanna County | 71 | 52 | 13 | 18.3% |
| Lycoming County | 63 | 54 | 7 | 11.1% |
| Bucks County | 62 | 46 | 16 | 25.8% |
| Clinton County | 54 | 49 | 3 | 5.6% |
| Allegheny County | 49 | 35 | 12 | 24.5% |
| Lehigh County | 47 | 32 | 13 | 27.7% |
| Northampton County | 42 | 32 | 7 | 16.7% |
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: 1,101 applications in 2025, of which 782 were originated and 249 denied.
22.6% of all applications, or 24.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Kind Lending originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Kind 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