Armco Credit Union in Pennsylvania vs the state
9.6%Denial rate-8.72 pts vs state
10.2%Decision denial rate-11.98 pts vs state
83.6%Origination rate+22.59 pts vs state
7.50%Median rate+0.88 pts vs state
0.27Rate spread (pts)+0.03 pts vs state
$105kMedian applicant income
655Loans originated
75Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 715 | 530 | 14.6% | 7.50% | #101 |
| 2024 | 642 | 530 | 8.4% | 8.50% | #114 |
| 2025 | 784 | 655 | 9.6% | 7.50% | #114 |
What Armco Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Armco Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butler County | 617 | 515 | 57 | 9.2% |
| Allegheny County | 60 | 52 | 7 | 11.7% |
| Armstrong County | 32 | 28 | 2 | 6.3% |
| Mercer County | 17 | 12 | 4 | 23.5% |
| Beaver County | 14 | 11 | 2 | 14.3% |
| Clarion County | 13 | 12 | 0 | 0.0% |
| Lawrence County | 10 | 8 | 1 | 10.0% |
| Westmoreland County | 7 | 5 | 1 | 14.3% |
| Erie County | 4 | 3 | 0 | 0.0% |
| Venango County | 4 | 4 | 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: 784 applications in 2025, of which 655 were originated and 75 denied.
9.6% of all applications, or 10.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Armco Credit Union originated in Pennsylvania in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Armco 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