Navy Federal Credit Union in Pennsylvania vs the state
21.4%Denial rate+3.08 pts vs state
31.4%Decision denial rate+9.20 pts vs state
45.9%Origination rate-15.02 pts vs state
7.38%Median rate+0.75 pts vs state
0.50Rate spread (pts)+0.26 pts vs state
$114kMedian applicant income
2,141Loans originated
996Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,905 | 1,602 | 30.5% | 7.45% | #21 |
| 2024 | 4,432 | 2,079 | 23.6% | 7.50% | #17 |
| 2025 | 4,660 | 2,141 | 21.4% | 7.38% | #19 |
What Navy Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 634 | 205 | 211 | 33.3% |
| Allegheny County | 381 | 164 | 78 | 20.5% |
| Montgomery County | 376 | 187 | 86 | 22.9% |
| Delaware County | 286 | 117 | 71 | 24.8% |
| Bucks County | 281 | 139 | 49 | 17.4% |
| York County | 277 | 130 | 51 | 18.4% |
| Chester County | 191 | 97 | 36 | 18.8% |
| Cumberland County | 149 | 87 | 21 | 14.1% |
| Lancaster County | 147 | 76 | 25 | 17.0% |
| Dauphin County | 129 | 68 | 23 | 17.8% |
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: 4,660 applications in 2025, of which 2,141 were originated and 996 denied.
21.4% of all applications, or 31.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Navy Federal Credit Union originated in Pennsylvania in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Navy 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