Discovery Federal Credit Union in Pennsylvania vs the state
14.5%Denial rate-3.82 pts vs state
16.4%Decision denial rate-5.79 pts vs state
73.7%Origination rate+12.72 pts vs state
6.64%Median rate+0.01 pts vs state
0.42Rate spread (pts)+0.18 pts vs state
$106kMedian applicant income
112Loans originated
22Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 93 | 23.5% | 7.50% | #332 |
| 2024 | 136 | 108 | 12.5% | 6.88% | #325 |
| 2025 | 152 | 112 | 14.5% | 6.64% | #321 |
What Discovery Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most Discovery Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berks County | 147 | 109 | 22 | 15.0% |
| Schuylkill County | 2 | 2 | 0 | 0.0% |
| Lancaster County | 1 | 0 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Lehigh 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: 152 applications in 2025, of which 112 were originated and 22 denied.
14.5% of all applications, or 16.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Discovery Federal Credit Union originated in Pennsylvania in 2025 was 6.64%, against a statewide median of 6.63%.
About this data. Figures are Discovery 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