New Cumberland Federal Credit Union in Pennsylvania vs the state
17.2%Denial rate-1.10 pts vs state
19.6%Decision denial rate-2.57 pts vs state
69.5%Origination rate+8.57 pts vs state
6.74%Median rate+0.12 pts vs state
—Rate spread (pts)
$82kMedian applicant income
89Loans originated
22Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 124 | 16.1% | 6.09% | #289 |
| 2024 | 144 | 90 | 16.7% | 6.74% | #317 |
| 2025 | 128 | 89 | 17.2% | 6.74% | #343 |
What New Cumberland Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most New Cumberland Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 45 | 34 | 7 | 15.6% |
| Cumberland County | 38 | 22 | 10 | 26.3% |
| Dauphin County | 24 | 19 | 2 | 8.3% |
| Lebanon County | 7 | 4 | 1 | 14.3% |
| Lancaster County | 6 | 5 | 0 | 0.0% |
| Perry County | 3 | 1 | 2 | 66.7% |
| Adams County | 1 | 1 | 0 | 0.0% |
| Centre County | 1 | 1 | 0 | 0.0% |
| Berks County | 1 | 1 | 0 | 0.0% |
| Chester 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: 128 applications in 2025, of which 89 were originated and 22 denied.
17.2% of all applications, or 19.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans New Cumberland Federal Credit Union originated in Pennsylvania in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are New Cumberland 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