Lafayette Federal Credit Union in Pennsylvania vs the state
21.4%Denial rate+3.14 pts vs state
24.5%Decision denial rate+2.28 pts vs state
58.9%Origination rate-2.03 pts vs state
8.25%Median rate+1.63 pts vs state
1.10Rate spread (pts)+0.87 pts vs state
$235kMedian applicant income
33Loans originated
12Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 8 | 35.7% | 8.50% | #660 |
| 2024 | 27 | 20 | 14.8% | 8.88% | #567 |
| 2025 | 56 | 33 | 21.4% | 8.25% | #473 |
What Lafayette Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Lafayette Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 8 | 6 | 2 | 25.0% |
| Monroe County | 8 | 6 | 1 | 12.5% |
| Chester County | 8 | 3 | 2 | 25.0% |
| Philadelphia County | 7 | 3 | 2 | 28.6% |
| Bucks County | 6 | 2 | 3 | 50.0% |
| Delaware County | 4 | 2 | 1 | 25.0% |
| Carbon County | 4 | 3 | 0 | 0.0% |
| Lancaster County | 2 | 2 | 0 | 0.0% |
| Wayne County | 1 | 1 | 0 | 0.0% |
| Wyoming County | 1 | 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: 56 applications in 2025, of which 33 were originated and 12 denied.
21.4% of all applications, or 24.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Lafayette Federal Credit Union originated in Pennsylvania in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Lafayette 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