PROPONENT Federal Credit Union in Pennsylvania vs the state
25.0%Denial rate+6.71 pts vs state
27.3%Decision denial rate+5.06 pts vs state
58.3%Origination rate-2.63 pts vs state
6.75%Median rate+0.13 pts vs state
-0.14Rate spread (pts)-0.38 pts vs state
$128kMedian applicant income
7Loans originated
3Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 14 | 22.2% | 6.75% | #556 |
| 2024 | 11 | 7 | 27.3% | 8.00% | #683 |
| 2025 | 12 | 7 | 25.0% | 6.75% | #672 |
What PROPONENT Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most PROPONENT Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Northampton County | 5 | 3 | 1 | 20.0% |
| Monroe County | 3 | 3 | 0 | 0.0% |
| Pike County | 1 | 0 | 1 | 100.0% |
| Bucks County | 1 | 0 | 0 | 0.0% |
| Philadelphia County | 1 | 0 | 1 | 100.0% |
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: 12 applications in 2025, of which 7 were originated and 3 denied.
25.0% of all applications, or 27.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans PROPONENT Federal Credit Union originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are PROPONENT 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