PCM Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
83rd3.2% deniedPricingmedian rate spread over APOR, weight 30%
97th-0.55 ptsProcesswithdrawn + incomplete share, weight 15%
70th7.3%Closing coststotal loan costs ÷ loan amount, weight 10%
94th0.50% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 505 | 387 | 4.4% | 5.4% | 5.99% | $46M |
| 2024 | 400 | 321 | 4.8% | 5.6% | 6.63% | $41M |
| 2025 | 505 | 452 | 3.0% | 3.2% | 5.99% | $68M |
What PCM Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 34 home-equity lines, 0 reverse mortgages, 14 manufactured homes, 0 investment properties.
Why PCM Credit Union denies applications
Primary reason reported for each of the 15 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at PCM Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 28 | 17.7% |
| $50k – $100k | 197 | 176 | 3.3% |
| $100k – $150k | 159 | 148 | 1.3% |
| $150k – $250k | 78 | 71 | 1.4% |
| Over $250k | 25 | 24 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 24 | 23 | 4.2% |
| 25–34 | 100 | 90 | 5.3% |
| 35–44 | 114 | 105 | 0.9% |
| 45–54 | 118 | 107 | 2.7% |
| 55–64 | 94 | 82 | 2.4% |
| 65–74 | 42 | 34 | 8.1% |
Where PCM Credit Union lends
3 states and 32 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
PCM Credit Union denied 3.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 83rd percentile of small mortgage lenders.
The most common reason PCM Credit Union gave in 2025 was "debt-to-income ratio", cited on 73.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans PCM Credit Union originated in 2025 was 5.99%, and its median rate spread over the average prime offer rate was -0.55 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 25% of its applications were for home purchases, 38% for refinancing (including cash-out), and 37% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.