Freedom United FCU in Pennsylvania vs the state
10.8%Denial rate-7.52 pts vs state
11.3%Decision denial rate-10.92 pts vs state
84.6%Origination rate+23.66 pts vs state
6.75%Median rate+0.13 pts vs state
0.81Rate spread (pts)+0.57 pts vs state
$103kMedian applicant income
55Loans originated
7Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 45 | 4.0% | 5.75% | #478 |
| 2024 | 64 | 53 | 9.4% | 5.99% | #436 |
| 2025 | 65 | 55 | 10.8% | 6.75% | #448 |
What Freedom United FCU lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Freedom United FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Beaver County | 52 | 45 | 6 | 11.5% |
| Lawrence County | 5 | 4 | 1 | 20.0% |
| Allegheny County | 5 | 5 | 0 | 0.0% |
| Butler County | 2 | 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: 65 applications in 2025, of which 55 were originated and 7 denied.
10.8% of all applications, or 11.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Freedom United FCU originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Freedom United FCU'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