Credit Human Federal Credit Union in Pennsylvania vs the state
43.0%Denial rate+24.74 pts vs state
43.0%Decision denial rate+20.82 pts vs state
22.1%Origination rate-38.91 pts vs state
8.50%Median rate+1.88 pts vs state
2.64Rate spread (pts)+2.40 pts vs state
$67kMedian applicant income
125Loans originated
244Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 523 | 116 | 48.2% | 8.10% | #137 |
| 2024 | 590 | 117 | 44.1% | 9.10% | #127 |
| 2025 | 567 | 125 | 43.0% | 8.50% | #144 |
What Credit Human Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 68 | 12 | 28 | 41.2% |
| Bucks County | 64 | 15 | 24 | 37.5% |
| Berks County | 54 | 12 | 19 | 35.2% |
| Montgomery County | 46 | 7 | 14 | 30.4% |
| Chester County | 43 | 7 | 21 | 48.8% |
| Lehigh County | 35 | 4 | 22 | 62.9% |
| Northampton County | 30 | 5 | 18 | 60.0% |
| Cumberland County | 28 | 6 | 14 | 50.0% |
| Lebanon County | 28 | 10 | 9 | 32.1% |
| York County | 28 | 9 | 11 | 39.3% |
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: 567 applications in 2025, of which 125 were originated and 244 denied.
43.0% of all applications, or 43.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Credit Human Federal Credit Union originated in Pennsylvania in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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