OMEGA Federal Credit Union in Pennsylvania vs the state
10.3%Denial rate-8.00 pts vs state
12.7%Decision denial rate-9.48 pts vs state
70.6%Origination rate+9.63 pts vs state
6.49%Median rate-0.13 pts vs state
0.47Rate spread (pts)+0.23 pts vs state
$100kMedian applicant income
96Loans originated
14Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 259 | 183 | 11.2% | 5.99% | #239 |
| 2024 | 227 | 189 | 4.4% | 5.99% | #252 |
| 2025 | 136 | 96 | 10.3% | 6.49% | #337 |
What OMEGA Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most OMEGA Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 112 | 78 | 10 | 8.9% |
| Butler County | 10 | 9 | 1 | 10.0% |
| Westmoreland County | 9 | 7 | 2 | 22.2% |
| Beaver County | 4 | 2 | 1 | 25.0% |
| Indiana County | 1 | 0 | 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: 136 applications in 2025, of which 96 were originated and 14 denied.
10.3% of all applications, or 12.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans OMEGA Federal Credit Union originated in Pennsylvania in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are OMEGA 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