APCI Federal Credit Union in Pennsylvania vs the state
3.7%Denial rate-14.61 pts vs state
4.0%Decision denial rate-18.21 pts vs state
85.3%Origination rate+24.33 pts vs state
—Median rate
—Rate spread (pts)
$141kMedian applicant income
116Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 173 | 136 | 8.7% | — | #290 |
| 2024 | 137 | 116 | 9.5% | — | #324 |
| 2025 | 136 | 116 | 3.7% | — | #336 |
What APCI Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most APCI Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lehigh County | 77 | 64 | 2 | 2.6% |
| Northampton County | 22 | 18 | 2 | 9.1% |
| Berks County | 8 | 8 | 0 | 0.0% |
| Schuylkill County | 6 | 6 | 0 | 0.0% |
| Bucks County | 6 | 6 | 0 | 0.0% |
| Carbon County | 4 | 2 | 1 | 25.0% |
| Lancaster County | 2 | 2 | 0 | 0.0% |
| Chester County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Delaware 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: 136 applications in 2025, of which 116 were originated and 5 denied.
3.7% of all applications, or 4.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are APCI 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