SmartFi Home Loans in Pennsylvania vs the state
9.1%Denial rate-9.20 pts vs state
10.3%Decision denial rate-11.87 pts vs state
75.8%Origination rate+14.80 pts vs state
8.98%Median rate+2.36 pts vs state
—Rate spread (pts)
$28kMedian applicant income
25Loans originated
3Denied
What SmartFi Home Loans lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Delaware County | 8 | 7 | 1 | 12.5% |
| Chester County | 3 | 3 | 0 | 0.0% |
| Erie County | 3 | 2 | 0 | 0.0% |
| Montgomery County | 3 | 2 | 1 | 33.3% |
| Philadelphia County | 2 | 1 | 1 | 50.0% |
| York County | 2 | 2 | 0 | 0.0% |
| Lehigh County | 2 | 2 | 0 | 0.0% |
| Westmoreland County | 2 | 1 | 0 | 0.0% |
| Allegheny County | 1 | 1 | 0 | 0.0% |
| Indiana County | 1 | 0 | 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: 33 applications in 2025, of which 25 were originated and 3 denied.
9.1% of all applications, or 10.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans SmartFi Home Loans originated in Pennsylvania in 2025 was 8.98%, against a statewide median of 6.63%.
About this data. Figures are SmartFi Home Loans'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