Allentown Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
100th1.7% deniedProcesswithdrawn + incomplete share, weight 15%
99th0.6%Closing coststotal loan costs ÷ loan amount, weight 10%
98th0.21% of loanTrend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 166 | 162 | 1.8% | 1.8% | 4.75% | $19M |
| 2025 | 173 | 169 | 1.7% | 1.7% | 4.75% | $21M |
What Allentown Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 99 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1 investment properties.
Why Allentown Federal Credit Union denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Allentown Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 72 | 72 | 0.0% |
| $100k – $150k | 50 | 47 | 4.1% |
| $150k – $250k | 25 | 25 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 26 | 25 | 0.0% |
| 45–54 | 50 | 50 | 0.0% |
| 55–64 | 46 | 43 | 6.5% |
| 65–74 | 29 | 29 | 0.0% |
Where Allentown Federal Credit Union lends
1 states and 8 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 173 | 169 | 1.7% | 4.75% | #300 |
Frequently asked questions
Allentown Federal Credit Union denied 1.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 100th percentile of home-equity (HELOC) lenders.
The most common reason Allentown Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Allentown Federal Credit Union originated in 2025 was 4.75%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 2% of its applications were for home purchases, 69% for refinancing (including cash-out), and 28% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.