UIF in Pennsylvania vs the state
7.6%Denial rate-10.73 pts vs state
9.4%Decision denial rate-12.83 pts vs state
72.3%Origination rate+11.31 pts vs state
6.63%Median rate0.00 pts vs state
0.28Rate spread (pts)+0.04 pts vs state
$96kMedian applicant income
86Loans originated
9Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 88 | 60 | 9.1% | 6.99% | #384 |
| 2024 | 104 | 75 | 10.6% | 6.75% | #366 |
| 2025 | 119 | 86 | 7.6% | 6.63% | #355 |
What UIF lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most UIF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 32 | 26 | 1 | 3.1% |
| Philadelphia County | 23 | 15 | 2 | 8.7% |
| Delaware County | 18 | 13 | 2 | 11.1% |
| Lehigh County | 10 | 10 | 0 | 0.0% |
| Cumberland County | 7 | 4 | 0 | 0.0% |
| Allegheny County | 4 | 2 | 1 | 25.0% |
| Lancaster County | 4 | 2 | 1 | 25.0% |
| Chester County | 4 | 3 | 0 | 0.0% |
| Luzerne County | 3 | 1 | 0 | 0.0% |
| Bucks County | 3 | 2 | 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: 119 applications in 2025, of which 86 were originated and 9 denied.
7.6% of all applications, or 9.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans UIF originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are UIF'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