PENN EAST Federal Credit Union in Pennsylvania vs the state
12.8%Denial rate-5.46 pts vs state
15.4%Decision denial rate-6.78 pts vs state
69.9%Origination rate+8.95 pts vs state
—Median rate
—Rate spread (pts)
$108kMedian applicant income
158Loans originated
29Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 88 | 21.7% | — | #316 |
| 2024 | 151 | 99 | 17.2% | — | #313 |
| 2025 | 226 | 158 | 12.8% | — | #254 |
What PENN EAST Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most PENN EAST Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lackawanna County | 167 | 124 | 19 | 11.4% |
| Luzerne County | 29 | 19 | 3 | 10.3% |
| Wyoming County | 21 | 9 | 6 | 28.6% |
| Wayne County | 5 | 3 | 1 | 20.0% |
| Monroe County | 2 | 1 | 0 | 0.0% |
| Pike County | 1 | 1 | 0 | 0.0% |
| Susquehanna 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: 226 applications in 2025, of which 158 were originated and 29 denied.
12.8% of all applications, or 15.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are PENN EAST 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