AMERICHOICE Federal Credit Union in Pennsylvania vs the state
15.7%Denial rate-2.63 pts vs state
18.2%Decision denial rate-4.03 pts vs state
68.1%Origination rate+7.11 pts vs state
6.49%Median rate-0.13 pts vs state
0.43Rate spread (pts)+0.19 pts vs state
$96kMedian applicant income
113Loans originated
26Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 173 | 113 | 14.5% | — | #292 |
| 2024 | 143 | 104 | 13.3% | 6.49% | #318 |
| 2025 | 166 | 113 | 15.7% | 6.49% | #306 |
What AMERICHOICE Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most AMERICHOICE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 61 | 47 | 3 | 4.9% |
| York County | 56 | 42 | 10 | 17.9% |
| Dauphin County | 20 | 11 | 5 | 25.0% |
| Perry County | 8 | 4 | 2 | 25.0% |
| Adams County | 5 | 3 | 0 | 0.0% |
| Philadelphia County | 4 | 1 | 2 | 50.0% |
| Huntingdon County | 1 | 1 | 0 | 0.0% |
| Centre County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Juniata 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: 166 applications in 2025, of which 113 were originated and 26 denied.
15.7% of all applications, or 18.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans AMERICHOICE Federal Credit Union originated in Pennsylvania in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are AMERICHOICE 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