Belco Community Credit Union in Pennsylvania vs the state
31.2%Denial rate+12.90 pts vs state
31.5%Decision denial rate+9.32 pts vs state
57.9%Origination rate-3.02 pts vs state
7.50%Median rate+0.88 pts vs state
0.26Rate spread (pts)+0.02 pts vs state
$97kMedian applicant income
704Loans originated
379Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,166 | 562 | 43.9% | 7.25% | #68 |
| 2024 | 1,441 | 803 | 33.2% | 8.50% | #61 |
| 2025 | 1,215 | 704 | 31.2% | 7.50% | #76 |
What Belco Community Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Belco Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 346 | 226 | 90 | 26.0% |
| Dauphin County | 198 | 114 | 57 | 28.8% |
| Cumberland County | 178 | 122 | 38 | 21.3% |
| York County | 130 | 87 | 31 | 23.8% |
| Adams County | 99 | 65 | 20 | 20.2% |
| Lebanon County | 54 | 40 | 6 | 11.1% |
| Perry County | 27 | 16 | 6 | 22.2% |
| Franklin County | 11 | 8 | 0 | 0.0% |
| Schuylkill County | 7 | 6 | 1 | 14.3% |
| Berks County | 5 | 4 | 1 | 20.0% |
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: 1,215 applications in 2025, of which 704 were originated and 379 denied.
31.2% of all applications, or 31.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Belco Community Credit Union originated in Pennsylvania in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Belco Community 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