Universal Mortgage & Finance in Pennsylvania vs the state
11.1%Denial rate-7.18 pts vs state
12.5%Decision denial rate-9.71 pts vs state
77.8%Origination rate+16.82 pts vs state
6.63%Median rate0.00 pts vs state
0.88Rate spread (pts)+0.64 pts vs state
$103kMedian applicant income
7Loans originated
1Denied
What Universal Mortgage & Finance lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Universal Mortgage & Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 3 | 2 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Adams County | 1 | 1 | 0 | 0.0% |
| Lancaster County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
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: 9 applications in 2025, of which 7 were originated and 1 denied.
11.1% of all applications, or 12.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Universal Mortgage & Finance originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Universal Mortgage & Finance'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