United Bank in Pennsylvania vs the state
22.6%Denial rate+4.32 pts vs state
25.2%Decision denial rate+3.03 pts vs state
67.0%Origination rate+6.00 pts vs state
7.15%Median rate+0.53 pts vs state
0.32Rate spread (pts)+0.08 pts vs state
$83kMedian applicant income
77Loans originated
26Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 59 | 39 | 27.1% | 7.75% | #451 |
| 2024 | 121 | 80 | 25.6% | 7.35% | #345 |
| 2025 | 115 | 77 | 22.6% | 7.15% | #358 |
What United Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 82 | 55 | 24 | 29.3% |
| Franklin County | 8 | 4 | 2 | 25.0% |
| Washington County | 7 | 7 | 0 | 0.0% |
| Allegheny County | 7 | 3 | 0 | 0.0% |
| Westmoreland County | 4 | 3 | 0 | 0.0% |
| Greene County | 3 | 2 | 0 | 0.0% |
| Philadelphia County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Dauphin County | 1 | 1 | 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: 115 applications in 2025, of which 77 were originated and 26 denied.
22.6% of all applications, or 25.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans United Bank originated in Pennsylvania in 2025 was 7.15%, against a statewide median of 6.63%.
About this data. Figures are United Bank'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