United Shore Financial Services in Pennsylvania vs the state
13.4%Denial rate-4.93 pts vs state
15.5%Decision denial rate-6.68 pts vs state
70.8%Origination rate+9.86 pts vs state
6.47%Median rate-0.15 pts vs state
0.16Rate spread (pts)-0.07 pts vs state
$89kMedian applicant income
9,333Loans originated
1,760Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,813 | 6,829 | 10.2% | 6.63% | #6 |
| 2024 | 10,519 | 7,776 | 12.0% | 6.63% | #5 |
| 2025 | 13,178 | 9,333 | 13.4% | 6.47% | #4 |
What United Shore Financial Services lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 1,552 | 1,125 | 185 | 11.9% |
| Philadelphia County | 1,330 | 866 | 255 | 19.2% |
| Montgomery County | 890 | 670 | 99 | 11.1% |
| Chester County | 693 | 565 | 51 | 7.4% |
| Bucks County | 668 | 488 | 70 | 10.5% |
| Delaware County | 561 | 387 | 89 | 15.9% |
| Lehigh County | 476 | 330 | 70 | 14.7% |
| York County | 464 | 295 | 66 | 14.2% |
| Erie County | 449 | 352 | 36 | 8.0% |
| Berks County | 431 | 291 | 77 | 17.9% |
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% |
| 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% |
| Newrez | D | 6,444 | 20.7% | 6.75% |
Frequently asked questions
Pennsylvania: 13,178 applications in 2025, of which 9,333 were originated and 1,760 denied.
13.4% of all applications, or 15.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans United Shore Financial Services originated in Pennsylvania in 2025 was 6.47%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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