First Heritage Federal Credit Union in Pennsylvania vs the state
20.0%Denial rate+1.71 pts vs state
21.3%Decision denial rate-0.90 pts vs state
68.7%Origination rate+7.76 pts vs state
6.24%Median rate-0.38 pts vs state
0.02Rate spread (pts)-0.22 pts vs state
$83kMedian applicant income
134Loans originated
39Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 169 | 125 | 18.3% | 6.24% | #294 |
| 2024 | 175 | 107 | 24.0% | 6.74% | #286 |
| 2025 | 195 | 134 | 20.0% | 6.24% | #279 |
What First Heritage 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 Heritage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tioga County | 148 | 102 | 31 | 20.9% |
| Potter County | 21 | 18 | 1 | 4.8% |
| Bradford County | 16 | 9 | 3 | 18.8% |
| Lycoming County | 6 | 3 | 2 | 33.3% |
| York County | 2 | 1 | 1 | 50.0% |
| Mifflin County | 1 | 1 | 0 | 0.0% |
| Wayne County | 1 | 0 | 1 | 100.0% |
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: 195 applications in 2025, of which 134 were originated and 39 denied.
20.0% of all applications, or 21.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Heritage Federal Credit Union originated in Pennsylvania in 2025 was 6.24%, against a statewide median of 6.63%.
About this data. Figures are First Heritage 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