Philadelphia Federal Credit Union in Pennsylvania vs the state
38.3%Denial rate+20.00 pts vs state
40.9%Decision denial rate+18.68 pts vs state
53.8%Origination rate-7.14 pts vs state
7.00%Median rate+0.38 pts vs state
0.69Rate spread (pts)+0.45 pts vs state
$84kMedian applicant income
1,161Loans originated
826Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,886 | 990 | 38.9% | 6.75% | #43 |
| 2024 | 1,937 | 1,039 | 38.0% | 7.00% | #49 |
| 2025 | 2,157 | 1,161 | 38.3% | 7.00% | #47 |
What Philadelphia Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Philadelphia Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 1,591 | 826 | 632 | 39.7% |
| Delaware County | 172 | 105 | 56 | 32.6% |
| Montgomery County | 131 | 84 | 43 | 32.8% |
| Bucks County | 102 | 59 | 38 | 37.3% |
| Columbia County | 64 | 37 | 22 | 34.4% |
| Chester County | 26 | 14 | 9 | 34.6% |
| Luzerne County | 13 | 7 | 5 | 38.5% |
| Northampton County | 8 | 3 | 5 | 62.5% |
| Lehigh County | 6 | 2 | 4 | 66.7% |
| Monroe County | 6 | 3 | 3 | 50.0% |
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: 2,157 applications in 2025, of which 1,161 were originated and 826 denied.
38.3% of all applications, or 40.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Philadelphia Federal Credit Union originated in Pennsylvania in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Philadelphia 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