Cross Valley Federal Credit Union in Pennsylvania vs the state
6.9%Denial rate-11.43 pts vs state
7.0%Decision denial rate-15.23 pts vs state
91.4%Origination rate+30.47 pts vs state
6.00%Median rate-0.63 pts vs state
0.00Rate spread (pts)-0.24 pts vs state
$103kMedian applicant income
160Loans originated
12Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 62 | 22.4% | 6.24% | #393 |
| 2024 | 115 | 106 | 6.1% | 7.24% | #350 |
| 2025 | 175 | 160 | 6.9% | 6.00% | #298 |
What Cross Valley Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Cross Valley Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Luzerne County | 146 | 141 | 3 | 2.1% |
| Lackawanna County | 8 | 7 | 0 | 0.0% |
| Wyoming County | 4 | 4 | 0 | 0.0% |
| Monroe County | 2 | 2 | 0 | 0.0% |
| Pike County | 1 | 1 | 0 | 0.0% |
| Schuylkill County | 1 | 1 | 0 | 0.0% |
| Sullivan County | 1 | 1 | 0 | 0.0% |
| Northampton County | 1 | 1 | 0 | 0.0% |
| Carbon 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: 175 applications in 2025, of which 160 were originated and 12 denied.
6.9% of all applications, or 7.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Cross Valley Federal Credit Union originated in Pennsylvania in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Cross Valley 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