Diamond Credit Union in Pennsylvania vs the state
27.8%Denial rate+9.47 pts vs state
28.2%Decision denial rate+5.94 pts vs state
65.8%Origination rate+4.83 pts vs state
6.01%Median rate-0.62 pts vs state
-0.09Rate spread (pts)-0.32 pts vs state
$104kMedian applicant income
846Loans originated
357Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,356 | 987 | 19.3% | 6.15% | #65 |
| 2024 | 1,443 | 1,030 | 20.5% | 6.26% | #60 |
| 2025 | 1,286 | 846 | 27.8% | 6.01% | #70 |
What Diamond Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Diamond Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berks County | 849 | 536 | 260 | 30.6% |
| Montgomery County | 256 | 181 | 52 | 20.3% |
| Chester County | 78 | 60 | 14 | 17.9% |
| Schuylkill County | 30 | 20 | 9 | 30.0% |
| Lancaster County | 14 | 11 | 3 | 21.4% |
| Delaware County | 10 | 5 | 5 | 50.0% |
| Lehigh County | 9 | 7 | 2 | 22.2% |
| Bucks County | 8 | 6 | 1 | 12.5% |
| Philadelphia County | 8 | 5 | 2 | 25.0% |
| Lebanon County | 7 | 5 | 2 | 28.6% |
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: 1,286 applications in 2025, of which 846 were originated and 357 denied.
27.8% of all applications, or 28.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Diamond Credit Union originated in Pennsylvania in 2025 was 6.01%, against a statewide median of 6.63%.
About this data. Figures are Diamond 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