Allegacy Federal Credit Union in Pennsylvania vs the state
27.8%Denial rate+9.49 pts vs state
31.3%Decision denial rate+9.04 pts vs state
61.1%Origination rate+0.15 pts vs state
5.75%Median rate-0.88 pts vs state
-1.49Rate spread (pts)-1.73 pts vs state
$148kMedian applicant income
11Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 11 | 13.3% | 1.99% | #654 |
| 2024 | 8 | 7 | 0.0% | 5.75% | #734 |
| 2025 | 18 | 11 | 27.8% | 5.75% | #615 |
What Allegacy Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Allegacy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 3 | 1 | 2 | 66.7% |
| Cumberland County | 2 | 1 | 0 | 0.0% |
| Northampton County | 2 | 1 | 0 | 0.0% |
| York County | 2 | 0 | 2 | 100.0% |
| Dauphin County | 2 | 2 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Bucks County | 1 | 1 | 0 | 0.0% |
| Allegheny County | 1 | 1 | 0 | 0.0% |
| Mifflin County | 1 | 1 | 0 | 0.0% |
| Tioga County | 1 | 1 | 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: 18 applications in 2025, of which 11 were originated and 5 denied.
27.8% of all applications, or 31.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Allegacy Federal Credit Union originated in Pennsylvania in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Allegacy Federal Credit Union'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