Credit Union Mortgage Association in Pennsylvania vs the state
5.2%Denial rate-13.10 pts vs state
6.8%Decision denial rate-15.41 pts vs state
68.2%Origination rate+7.19 pts vs state
5.88%Median rate-0.75 pts vs state
-0.53Rate spread (pts)-0.77 pts vs state
$113kMedian applicant income
92Loans originated
7Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 80 | 11.2% | 6.00% | #314 |
| 2024 | 136 | 88 | 5.2% | 6.00% | #327 |
| 2025 | 135 | 92 | 5.2% | 5.88% | #338 |
What Credit Union Mortgage Association lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Credit Union Mortgage Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bradford County | 40 | 36 | 3 | 7.5% |
| Monroe County | 11 | 6 | 1 | 9.1% |
| Lehigh County | 11 | 4 | 0 | 0.0% |
| Allegheny County | 10 | 9 | 0 | 0.0% |
| York County | 9 | 9 | 0 | 0.0% |
| Cumberland County | 5 | 2 | 1 | 20.0% |
| Chester County | 4 | 2 | 0 | 0.0% |
| Lancaster County | 4 | 1 | 0 | 0.0% |
| Northampton County | 4 | 2 | 0 | 0.0% |
| Tioga County | 3 | 3 | 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: 135 applications in 2025, of which 92 were originated and 7 denied.
5.2% of all applications, or 6.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Credit Union Mortgage Association originated in Pennsylvania in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Credit Union Mortgage Association'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