Everence Federal Credit Union in Pennsylvania vs the state
26.8%Denial rate+8.50 pts vs state
29.0%Decision denial rate+6.78 pts vs state
65.2%Origination rate+4.22 pts vs state
5.49%Median rate-1.13 pts vs state
0.30Rate spread (pts)+0.07 pts vs state
$98kMedian applicant income
146Loans originated
60Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 141 | 98 | 16.3% | 3.49% | #324 |
| 2024 | 168 | 108 | 26.2% | 5.49% | #295 |
| 2025 | 224 | 146 | 26.8% | 5.49% | #257 |
What Everence Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Everence Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 143 | 101 | 29 | 20.3% |
| Philadelphia County | 16 | 6 | 10 | 62.5% |
| Mifflin County | 14 | 10 | 2 | 14.3% |
| Allegheny County | 7 | 2 | 5 | 71.4% |
| York County | 6 | 2 | 2 | 33.3% |
| Montgomery County | 5 | 2 | 2 | 40.0% |
| Berks County | 4 | 4 | 0 | 0.0% |
| Lebanon County | 4 | 3 | 1 | 25.0% |
| Chester County | 3 | 2 | 1 | 33.3% |
| Huntingdon County | 3 | 2 | 1 | 33.3% |
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: 224 applications in 2025, of which 146 were originated and 60 denied.
26.8% of all applications, or 29.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Everence Federal Credit Union originated in Pennsylvania in 2025 was 5.49%, against a statewide median of 6.63%.
About this data. Figures are Everence 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