PHEPLE Federal Credit Union in Pennsylvania vs the state
5.8%Denial rate-12.48 pts vs state
6.9%Decision denial rate-15.29 pts vs state
77.4%Origination rate+16.46 pts vs state
6.83%Median rate+0.20 pts vs state
0.61Rate spread (pts)+0.37 pts vs state
$89kMedian applicant income
120Loans originated
9Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 122 | 82 | 22.1% | 6.99% | #349 |
| 2024 | 100 | 77 | 14.0% | 7.80% | #373 |
| 2025 | 155 | 120 | 5.8% | 6.83% | #318 |
What PHEPLE Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most PHEPLE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Westmoreland County | 141 | 114 | 6 | 4.3% |
| Allegheny County | 9 | 4 | 3 | 33.3% |
| Indiana County | 3 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Fayette 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: 155 applications in 2025, of which 120 were originated and 9 denied.
5.8% of all applications, or 6.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans PHEPLE Federal Credit Union originated in Pennsylvania in 2025 was 6.83%, against a statewide median of 6.63%.
About this data. Figures are PHEPLE 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