People First 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 F 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%
6th33.7% deniedProcesswithdrawn + incomplete share, weight 15%
39th14.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 863 | 480 | 27.4% | 32.1% | — | $44M |
| 2024 | 898 | 526 | 25.6% | 29.9% | — | $59M |
| 2025 | 955 | 531 | 28.9% | 33.7% | — | $58M |
What People First 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, 19 investment properties.
Who gets approved at People First 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 | 94 | 18 | 76.5% |
| $50k – $100k | 351 | 178 | 37.8% |
| $100k – $150k | 272 | 178 | 23.0% |
| $150k – $250k | 182 | 122 | 23.5% |
| Over $250k | 45 | 29 | 16.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 96 | 56 | 31.0% |
| 35–44 | 206 | 112 | 34.9% |
| 45–54 | 234 | 120 | 40.5% |
| 55–64 | 258 | 150 | 28.3% |
| 65–74 | 122 | 73 | 29.8% |
| Over 74 | 31 | 14 | 40.7% |
Where People First Federal Credit Union lends
6 states and 41 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 927 | 521 | 28.8% | — | #99 |
| New Jersey | 16 | 6 | 37.5% | — | #479 |
| Ohio | 7 | 2 | 28.6% | — | #662 |
Frequently asked questions
People First Federal Credit Union denied 33.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 6th percentile of small mortgage lenders.
In 2025, 13% of its applications were for home purchases, 23% for refinancing (including cash-out), and 63% 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.