U.S. Bank in Pennsylvania vs the state
39.6%Denial rate+21.31 pts vs state
47.1%Decision denial rate+24.89 pts vs state
43.4%Origination rate-17.60 pts vs state
6.99%Median rate+0.37 pts vs state
0.44Rate spread (pts)+0.20 pts vs state
$133kMedian applicant income
542Loans originated
495Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,533 | 671 | 40.8% | 6.88% | #56 |
| 2024 | 1,427 | 606 | 41.8% | 6.99% | #63 |
| 2025 | 1,250 | 542 | 39.6% | 6.99% | #72 |
What U.S. Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 144 | 59 | 58 | 40.3% |
| Philadelphia County | 115 | 43 | 54 | 47.0% |
| Montgomery County | 97 | 47 | 32 | 33.0% |
| Bucks County | 95 | 49 | 20 | 21.1% |
| Chester County | 80 | 44 | 24 | 30.0% |
| York County | 50 | 20 | 19 | 38.0% |
| Lehigh County | 48 | 13 | 26 | 54.2% |
| Delaware County | 42 | 23 | 14 | 33.3% |
| Monroe County | 38 | 18 | 16 | 42.1% |
| Berks County | 35 | 16 | 15 | 42.9% |
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% |
| 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: 1,250 applications in 2025, of which 542 were originated and 495 denied.
39.6% of all applications, or 47.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans U.S. Bank originated in Pennsylvania in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are U.S. 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