Choice One Community Federal Credit Union in Pennsylvania vs the state
11.1%Denial rate-7.18 pts vs state
11.1%Decision denial rate-11.10 pts vs state
88.9%Origination rate+27.93 pts vs state
6.74%Median rate+0.12 pts vs state
0.19Rate spread (pts)-0.05 pts vs state
$78kMedian applicant income
88Loans originated
11Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 63 | 26.7% | 6.99% | #387 |
| 2024 | 116 | 95 | 18.1% | 6.99% | #349 |
| 2025 | 99 | 88 | 11.1% | 6.74% | #378 |
What Choice One Community Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Choice One Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Luzerne County | 93 | 83 | 10 | 10.8% |
| Lackawanna County | 3 | 2 | 1 | 33.3% |
| Carbon County | 1 | 1 | 0 | 0.0% |
| Wyoming County | 1 | 1 | 0 | 0.0% |
| Columbia 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: 99 applications in 2025, of which 88 were originated and 11 denied.
11.1% of all applications, or 11.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Choice One Community Federal Credit Union originated in Pennsylvania in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are Choice One Community 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