Grove City Area 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 B 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%
31st14.8% deniedPricingmedian rate spread over APOR, weight 30%
92nd-0.23 ptsProcesswithdrawn + incomplete share, weight 15%
21st19.5%Closing coststotal loan costs ÷ loan amount, weight 10%
91st0.71% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 170 | 106 | 16.5% | 20.9% | 5.75% | $6.1M |
| 2024 | 173 | 114 | 16.2% | 19.6% | 5.99% | $6.8M |
| 2025 | 185 | 125 | 11.9% | 14.8% | 5.74% | $12M |
What Grove City Area 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, 23 manufactured homes, 0 investment properties.
Why Grove City Area Federal Credit Union denies applications
Primary reason reported for each of the 22 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Grove City Area 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 | 44 | 23 | 31.4% |
| $50k – $100k | 77 | 52 | 13.3% |
| $100k – $150k | 41 | 32 | 5.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 40 | 23 | 24.2% |
| 45–54 | 40 | 30 | 3.2% |
| 55–64 | 35 | 25 | 19.4% |
| 65–74 | 33 | 22 | 21.4% |
Where Grove City Area Federal Credit Union lends
1 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 | 185 | 125 | 11.9% | 5.74% | #288 |
Frequently asked questions
Grove City Area Federal Credit Union denied 14.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 31st percentile of small mortgage lenders.
The most common reason Grove City Area Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 45.5% 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 Grove City Area Federal Credit Union originated in 2025 was 5.74%, and its median rate spread over the average prime offer rate was -0.23 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 16% of its applications were for home purchases, 26% for refinancing (including cash-out), and 58% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.