PENNSYLVANIA STATE EMPLOYEES Credit Union in Pennsylvania vs the state
13.7%Denial rate-4.59 pts vs state
15.6%Decision denial rate-6.64 pts vs state
71.0%Origination rate+10.01 pts vs state
6.64%Median rate+0.01 pts vs state
0.27Rate spread (pts)+0.03 pts vs state
$108kMedian applicant income
5,896Loans originated
1,138Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,055 | 5,285 | 17.2% | 6.87% | #10 |
| 2024 | 8,287 | 5,706 | 15.5% | 6.99% | #10 |
| 2025 | 8,308 | 5,896 | 13.7% | 6.64% | #9 |
What PENNSYLVANIA STATE EMPLOYEES Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most PENNSYLVANIA STATE EMPLOYEES Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dauphin County | 909 | 650 | 112 | 12.3% |
| Lancaster County | 618 | 458 | 73 | 11.8% |
| Cumberland County | 546 | 406 | 55 | 10.1% |
| York County | 453 | 324 | 58 | 12.8% |
| Allegheny County | 381 | 261 | 54 | 14.2% |
| Schuylkill County | 255 | 177 | 46 | 18.0% |
| Berks County | 253 | 177 | 42 | 16.6% |
| Lebanon County | 252 | 206 | 12 | 4.8% |
| Montgomery County | 249 | 176 | 27 | 10.8% |
| Centre County | 246 | 184 | 25 | 10.2% |
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% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
| Newrez | D | 6,444 | 20.7% | 6.75% |
Frequently asked questions
Pennsylvania: 8,308 applications in 2025, of which 5,896 were originated and 1,138 denied.
13.7% of all applications, or 15.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans PENNSYLVANIA STATE EMPLOYEES Credit Union originated in Pennsylvania in 2025 was 6.64%, against a statewide median of 6.63%.
About this data. Figures are PENNSYLVANIA STATE EMPLOYEES 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