Frick Financial Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
13th24.4% deniedProcesswithdrawn + incomplete share, weight 15%
95th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 107 | 104 | 2.8% | 2.8% | 7.02% | $6.1M |
| 2024 | 105 | 84 | 20.0% | 20.0% | 7.94% | $5.5M |
| 2025 | 127 | 96 | 24.4% | 24.4% | 7.74% | $6.3M |
What Frick Financial Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 7 investment properties.
Why Frick Financial Federal Credit Union denies applications
Primary reason reported for each of the 31 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Frick Financial Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 28 | 23 | 17.9% |
| $50k – $100k | 60 | 40 | 33.3% |
| $100k – $150k | 22 | 18 | 18.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 21 | 15 | 28.6% |
| 45–54 | 34 | 27 | 20.6% |
| 55–64 | 34 | 29 | 14.7% |
| 65–74 | 20 | 15 | 25.0% |
Where Frick Financial Federal Credit Union lends
2 states and 5 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 126 | 95 | 24.6% | 7.74% | #348 |
Frequently asked questions
Frick Financial Federal Credit Union denied 24.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 13th percentile of small mortgage lenders.
The most common reason Frick Financial Federal Credit Union gave in 2025 was "credit history", cited on 71.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Frick Financial Federal Credit Union originated in 2025 was 7.74%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 18% of its applications were for home purchases, 13% for refinancing (including cash-out), and 69% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.