Inspire Federal Credit Union in Pennsylvania vs the state
20.2%Denial rate+1.90 pts vs state
26.6%Decision denial rate+4.37 pts vs state
55.8%Origination rate-5.19 pts vs state
7.37%Median rate+0.74 pts vs state
1.41Rate spread (pts)+1.17 pts vs state
$119kMedian applicant income
58Loans originated
21Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 146 | 103 | 6.9% | 7.74% | #320 |
| 2024 | 101 | 60 | 21.8% | 8.49% | #370 |
| 2025 | 104 | 58 | 20.2% | 7.37% | #369 |
What Inspire Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Inspire Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bucks County | 93 | 52 | 20 | 21.5% |
| Philadelphia County | 5 | 3 | 1 | 20.0% |
| Montgomery County | 3 | 3 | 0 | 0.0% |
| Westmoreland County | 1 | 0 | 0 | 0.0% |
| Franklin County | 1 | 0 | 0 | 0.0% |
| Allegheny 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: 104 applications in 2025, of which 58 were originated and 21 denied.
20.2% of all applications, or 26.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Inspire Federal Credit Union originated in Pennsylvania in 2025 was 7.37%, against a statewide median of 6.63%.
About this data. Figures are Inspire 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