First Peoples Community Federal Credit Union in Pennsylvania vs the state
8.4%Denial rate-9.87 pts vs state
10.5%Decision denial rate-11.68 pts vs state
71.6%Origination rate+10.62 pts vs state
6.18%Median rate-0.44 pts vs state
-0.18Rate spread (pts)-0.42 pts vs state
$82kMedian applicant income
68Loans originated
8Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 116 | 98 | 7.8% | 5.50% | #358 |
| 2024 | 75 | 54 | 17.3% | 6.13% | #416 |
| 2025 | 95 | 68 | 8.4% | 6.18% | #382 |
What First Peoples Community 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 Peoples Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Somerset County | 66 | 47 | 5 | 7.6% |
| Bedford County | 16 | 11 | 3 | 18.8% |
| Fulton County | 7 | 5 | 0 | 0.0% |
| Cambria County | 4 | 3 | 0 | 0.0% |
| Butler County | 1 | 1 | 0 | 0.0% |
| Cameron 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: 95 applications in 2025, of which 68 were originated and 8 denied.
8.4% of all applications, or 10.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Peoples Community Federal Credit Union originated in Pennsylvania in 2025 was 6.18%, against a statewide median of 6.63%.
About this data. Figures are First Peoples Community 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