Municipal Credit Union in Pennsylvania vs the state
44.0%Denial rate+25.71 pts vs state
57.9%Decision denial rate+35.68 pts vs state
29.3%Origination rate-31.63 pts vs state
6.63%Median rate0.00 pts vs state
-0.31Rate spread (pts)-0.54 pts vs state
$117kMedian applicant income
22Loans originated
33Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 10 | 34.3% | 6.88% | #525 |
| 2024 | 49 | 16 | 38.8% | 7.00% | #479 |
| 2025 | 75 | 22 | 44.0% | 6.63% | #422 |
What Municipal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Municipal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 28 | 9 | 13 | 46.4% |
| Pike County | 9 | 3 | 3 | 33.3% |
| Philadelphia County | 8 | 2 | 4 | 50.0% |
| Lehigh County | 5 | 2 | 2 | 40.0% |
| Berks County | 4 | 1 | 3 | 75.0% |
| Northampton County | 3 | 1 | 0 | 0.0% |
| Allegheny County | 3 | 0 | 3 | 100.0% |
| Delaware County | 3 | 0 | 0 | 0.0% |
| Chester County | 2 | 2 | 0 | 0.0% |
| Dauphin County | 2 | 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: 75 applications in 2025, of which 22 were originated and 33 denied.
44.0% of all applications, or 57.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Municipal Credit Union originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Municipal 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