United Mortgage in Pennsylvania vs the state
5.2%Denial rate-13.14 pts vs state
5.6%Decision denial rate-16.58 pts vs state
76.3%Origination rate+15.33 pts vs state
6.88%Median rate+0.25 pts vs state
1.00Rate spread (pts)+0.76 pts vs state
$65kMedian applicant income
296Loans originated
20Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 273 | 183 | 4.0% | 7.13% | #227 |
| 2024 | 279 | 224 | 2.2% | 7.13% | #222 |
| 2025 | 388 | 296 | 5.2% | 6.88% | #194 |
What United Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Luzerne County | 211 | 174 | 6 | 2.8% |
| Schuylkill County | 39 | 29 | 0 | 0.0% |
| Philadelphia County | 24 | 14 | 4 | 16.7% |
| Lehigh County | 14 | 8 | 3 | 21.4% |
| Monroe County | 13 | 8 | 1 | 7.7% |
| Northampton County | 11 | 10 | 1 | 9.1% |
| Carbon County | 11 | 10 | 0 | 0.0% |
| Columbia County | 10 | 9 | 0 | 0.0% |
| Lackawanna County | 9 | 6 | 0 | 0.0% |
| Bucks County | 7 | 5 | 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: 388 applications in 2025, of which 296 were originated and 20 denied.
5.2% of all applications, or 5.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans United Mortgage originated in Pennsylvania in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are United Mortgage'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