United Trust Bank in Pennsylvania vs the state
16.5%Denial rate-1.81 pts vs state
16.9%Decision denial rate-5.36 pts vs state
81.3%Origination rate+20.36 pts vs state
6.63%Median rate0.00 pts vs state
0.52Rate spread (pts)+0.28 pts vs state
$79kMedian applicant income
74Loans originated
15Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 18 | 16 | 5.6% | 6.63% | #622 |
| 2025 | 91 | 74 | 16.5% | 6.63% | #386 |
What United Trust Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Blair County | 21 | 19 | 2 | 9.5% |
| Montgomery County | 11 | 9 | 2 | 18.2% |
| Bucks County | 8 | 6 | 1 | 12.5% |
| Dauphin County | 5 | 3 | 2 | 40.0% |
| Delaware County | 4 | 3 | 1 | 25.0% |
| Washington County | 4 | 4 | 0 | 0.0% |
| Allegheny County | 4 | 1 | 3 | 75.0% |
| York County | 3 | 2 | 1 | 33.3% |
| Lehigh County | 3 | 1 | 1 | 33.3% |
| Somerset 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: 91 applications in 2025, of which 74 were originated and 15 denied.
16.5% of all applications, or 16.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans United Trust Bank originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are United Trust 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