MC Federal Credit Union in Pennsylvania vs the state
12.1%Denial rate-6.19 pts vs state
13.4%Decision denial rate-8.83 pts vs state
77.7%Origination rate+16.75 pts vs state
—Median rate
—Rate spread (pts)
$78kMedian applicant income
122Loans originated
19Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 182 | 150 | 4.4% | — | #281 |
| 2024 | 161 | 136 | 8.7% | — | #305 |
| 2025 | 157 | 122 | 12.1% | — | #315 |
What MC Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most MC Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Northumberland County | 64 | 50 | 7 | 10.9% |
| Columbia County | 28 | 22 | 4 | 14.3% |
| Union County | 26 | 19 | 4 | 15.4% |
| Montour County | 14 | 13 | 1 | 7.1% |
| Snyder County | 9 | 9 | 0 | 0.0% |
| Lycoming County | 4 | 3 | 0 | 0.0% |
| Luzerne County | 4 | 1 | 2 | 50.0% |
| Schuylkill County | 3 | 2 | 0 | 0.0% |
| Monroe County | 1 | 0 | 1 | 100.0% |
| Allegheny 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: 157 applications in 2025, of which 122 were originated and 19 denied.
12.1% of all applications, or 13.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are MC 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