Citadel Federal Credit Union in Pennsylvania vs the state
21.6%Denial rate+3.31 pts vs state
27.7%Decision denial rate+5.52 pts vs state
55.0%Origination rate-5.99 pts vs state
3.99%Median rate-2.64 pts vs state
0.60Rate spread (pts)+0.36 pts vs state
$128kMedian applicant income
2,255Loans originated
886Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,872 | 2,042 | 28.8% | 4.49% | #22 |
| 2024 | 3,861 | 2,096 | 27.1% | 4.99% | #25 |
| 2025 | 4,102 | 2,255 | 21.6% | 3.99% | #26 |
What Citadel Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Citadel Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chester County | 1,834 | 1,096 | 317 | 17.3% |
| Montgomery County | 721 | 388 | 173 | 24.0% |
| Delaware County | 614 | 337 | 141 | 23.0% |
| Philadelphia County | 315 | 146 | 84 | 26.7% |
| Lancaster County | 231 | 114 | 68 | 29.4% |
| Bucks County | 195 | 82 | 51 | 26.2% |
| Berks County | 96 | 53 | 21 | 21.9% |
| Lehigh County | 15 | 9 | 5 | 33.3% |
| York County | 12 | 5 | 5 | 41.7% |
| Schuylkill County | 10 | 4 | 2 | 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: 4,102 applications in 2025, of which 2,255 were originated and 886 denied.
21.6% of all applications, or 27.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Citadel Federal Credit Union originated in Pennsylvania in 2025 was 3.99%, against a statewide median of 6.63%.
About this data. Figures are Citadel 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