Loan Funder in Pennsylvania vs the state
12.8%Denial rate-5.50 pts vs state
22.2%Decision denial rate+0.03 pts vs state
44.7%Origination rate-16.24 pts vs state
9.75%Median rate+3.13 pts vs state
—Rate spread (pts)
—Median applicant income
542Loans originated
155Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 769 | 407 | 4.6% | 10.50% | #96 |
| 2024 | 1,466 | 668 | 11.8% | 10.50% | #58 |
| 2025 | 1,212 | 542 | 12.8% | 9.75% | #77 |
What Loan Funder lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Loan Funder applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 526 | 233 | 80 | 15.2% |
| Allegheny County | 160 | 61 | 20 | 12.5% |
| Lackawanna County | 98 | 61 | 6 | 6.1% |
| Luzerne County | 86 | 44 | 6 | 7.0% |
| Delaware County | 52 | 27 | 2 | 3.8% |
| Monroe County | 32 | 7 | 8 | 25.0% |
| Montgomery County | 30 | 19 | 4 | 13.3% |
| Lehigh County | 21 | 10 | 2 | 9.5% |
| Bucks County | 20 | 6 | 5 | 25.0% |
| Westmoreland County | 18 | 6 | 3 | 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: 1,212 applications in 2025, of which 542 were originated and 155 denied.
12.8% of all applications, or 22.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Loan Funder originated in Pennsylvania in 2025 was 9.75%, against a statewide median of 6.63%.
About this data. Figures are Loan Funder'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