First Commonwealth Federal Credit Union in Pennsylvania vs the state
20.1%Denial rate+1.81 pts vs state
22.1%Decision denial rate-0.14 pts vs state
66.7%Origination rate+5.78 pts vs state
7.24%Median rate+0.62 pts vs state
0.56Rate spread (pts)+0.32 pts vs state
$94kMedian applicant income
943Loans originated
284Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,615 | 1,073 | 20.5% | 6.12% | #54 |
| 2024 | 1,659 | 1,088 | 20.7% | 6.62% | #53 |
| 2025 | 1,413 | 943 | 20.1% | 7.24% | #64 |
What First Commonwealth Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First Commonwealth Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lehigh County | 537 | 336 | 140 | 26.1% |
| Northampton County | 393 | 271 | 66 | 16.8% |
| Berks County | 221 | 153 | 37 | 16.7% |
| Carbon County | 116 | 87 | 17 | 14.7% |
| Monroe County | 47 | 29 | 9 | 19.1% |
| Schuylkill County | 31 | 25 | 2 | 6.5% |
| Montgomery County | 13 | 10 | 0 | 0.0% |
| Bucks County | 10 | 4 | 4 | 40.0% |
| Luzerne County | 8 | 3 | 3 | 37.5% |
| Lancaster 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: 1,413 applications in 2025, of which 943 were originated and 284 denied.
20.1% of all applications, or 22.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Commonwealth Federal Credit Union originated in Pennsylvania in 2025 was 7.24%, against a statewide median of 6.63%.
About this data. Figures are First Commonwealth 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