People First Federal Credit Union in Pennsylvania vs the state
28.8%Denial rate+10.51 pts vs state
33.4%Decision denial rate+11.17 pts vs state
56.2%Origination rate-4.76 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
521Loans originated
267Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 849 | 470 | 27.7% | — | #91 |
| 2024 | 879 | 516 | 25.6% | — | #93 |
| 2025 | 927 | 521 | 28.8% | — | #99 |
What People First Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most People First Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lehigh County | 454 | 260 | 132 | 29.1% |
| Northampton County | 359 | 205 | 102 | 28.4% |
| Carbon County | 24 | 9 | 10 | 41.7% |
| Berks County | 23 | 12 | 11 | 47.8% |
| Monroe County | 14 | 8 | 6 | 42.9% |
| Bucks County | 8 | 4 | 1 | 12.5% |
| Montgomery County | 6 | 4 | 0 | 0.0% |
| Schuylkill County | 6 | 2 | 2 | 33.3% |
| Chester County | 3 | 2 | 0 | 0.0% |
| Allegheny County | 3 | 2 | 1 | 33.3% |
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: 927 applications in 2025, of which 521 were originated and 267 denied.
28.8% of all applications, or 33.4% 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 People First 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