PENN EAST Federal 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 D 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%
30th15.4% deniedProcesswithdrawn + incomplete share, weight 15%
29th16.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 153 | 88 | 22.2% | 27.4% | — | $6.5M |
| 2024 | 151 | 99 | 17.2% | 20.6% | — | $6.7M |
| 2025 | 226 | 158 | 12.8% | 15.4% | — | $12M |
What PENN EAST Federal 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: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 9 investment properties.
Who gets approved at PENN EAST Federal 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 | 24 | 11 | 45.0% |
| $50k – $100k | 73 | 46 | 17.9% |
| $100k – $150k | 53 | 37 | 11.9% |
| $150k – $250k | 57 | 45 | 9.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 35 | 21 | 30.0% |
| 45–54 | 60 | 46 | 13.0% |
| 55–64 | 60 | 45 | 8.2% |
| 65–74 | 47 | 29 | 17.1% |
Where PENN EAST Federal Credit Union lends
1 states and 7 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 226 | 158 | 12.8% | — | #254 |
Frequently asked questions
PENN EAST Federal Credit Union denied 15.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of small mortgage lenders.
In 2025, 3% of its applications were for home purchases, 19% for refinancing (including cash-out), and 79% 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.