State Financial Network in Pennsylvania vs the state
2.8%Denial rate-15.47 pts vs state
2.9%Decision denial rate-19.29 pts vs state
92.7%Origination rate+31.70 pts vs state
6.38%Median rate-0.25 pts vs state
0.06Rate spread (pts)-0.18 pts vs state
$114kMedian applicant income
164Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 224 | 192 | 7.1% | 6.50% | #256 |
| 2024 | 177 | 160 | 5.1% | 6.63% | #285 |
| 2025 | 177 | 164 | 2.8% | 6.38% | #296 |
What State Financial Network lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most State Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butler County | 49 | 49 | 0 | 0.0% |
| Delaware County | 41 | 35 | 3 | 7.3% |
| Montgomery County | 25 | 21 | 2 | 8.0% |
| Chester County | 14 | 13 | 0 | 0.0% |
| Berks County | 8 | 8 | 0 | 0.0% |
| Lancaster County | 6 | 5 | 0 | 0.0% |
| Armstrong County | 6 | 5 | 0 | 0.0% |
| Allegheny County | 5 | 5 | 0 | 0.0% |
| Dauphin County | 3 | 3 | 0 | 0.0% |
| Philadelphia County | 3 | 3 | 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: 177 applications in 2025, of which 164 were originated and 5 denied.
2.8% of all applications, or 2.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans State Financial Network originated in Pennsylvania in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are State Financial Network'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