POINT BREEZE Credit Union in Pennsylvania vs the state
4.0%Denial rate-14.29 pts vs state
4.0%Decision denial rate-18.21 pts vs state
96.0%Origination rate+35.04 pts vs state
5.74%Median rate-0.88 pts vs state
-0.32Rate spread (pts)-0.56 pts vs state
$134kMedian applicant income
24Loans originated
1Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 16 | 5.0% | 6.31% | #601 |
| 2024 | 18 | 17 | 5.6% | 6.50% | #621 |
| 2025 | 25 | 24 | 4.0% | 5.74% | #577 |
What POINT BREEZE Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most POINT BREEZE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 22 | 21 | 1 | 4.5% |
| Chester County | 2 | 2 | 0 | 0.0% |
| Adams 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: 25 applications in 2025, of which 24 were originated and 1 denied.
4.0% of all applications, or 4.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans POINT BREEZE Credit Union originated in Pennsylvania in 2025 was 5.74%, against a statewide median of 6.63%.
About this data. Figures are POINT BREEZE 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