First Technology Federal Credit Union in Pennsylvania vs the state
11.1%Denial rate-7.18 pts vs state
13.3%Decision denial rate-8.88 pts vs state
55.6%Origination rate-5.40 pts vs state
7.94%Median rate+1.31 pts vs state
0.95Rate spread (pts)+0.71 pts vs state
$120kMedian applicant income
20Loans originated
4Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 8 | 18.8% | 7.50% | #641 |
| 2024 | 17 | 10 | 23.5% | 8.63% | #636 |
| 2025 | 36 | 20 | 11.1% | 7.94% | #531 |
What First Technology 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 Technology Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 6 | 2 | 0 | 0.0% |
| Montgomery County | 5 | 4 | 1 | 20.0% |
| Delaware County | 5 | 4 | 1 | 20.0% |
| Chester County | 5 | 1 | 1 | 20.0% |
| Allegheny County | 3 | 2 | 0 | 0.0% |
| Bucks County | 2 | 1 | 0 | 0.0% |
| Monroe County | 1 | 0 | 0 | 0.0% |
| Luzerne County | 1 | 1 | 0 | 0.0% |
| Northampton County | 1 | 0 | 1 | 100.0% |
| Montour County | 1 | 0 | 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: 36 applications in 2025, of which 20 were originated and 4 denied.
11.1% of all applications, or 13.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Technology Federal Credit Union originated in Pennsylvania in 2025 was 7.94%, against a statewide median of 6.63%.
About this data. Figures are First Technology 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