State Employees Credit Union of Maryland in Pennsylvania vs the state
30.6%Denial rate+12.29 pts vs state
34.6%Decision denial rate+12.37 pts vs state
56.2%Origination rate-4.76 pts vs state
6.06%Median rate-0.56 pts vs state
-0.24Rate spread (pts)-0.48 pts vs state
$134kMedian applicant income
68Loans originated
37Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 56 | 34.5% | 6.69% | #354 |
| 2024 | 131 | 64 | 36.6% | 6.25% | #332 |
| 2025 | 121 | 68 | 30.6% | 6.06% | #352 |
What State Employees Credit Union of Maryland lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most State Employees Credit Union of Maryland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 37 | 20 | 13 | 35.1% |
| Franklin County | 11 | 8 | 2 | 18.2% |
| Adams County | 9 | 7 | 2 | 22.2% |
| Bucks County | 7 | 4 | 2 | 28.6% |
| Montgomery County | 7 | 1 | 6 | 85.7% |
| Philadelphia County | 7 | 1 | 4 | 57.1% |
| Chester County | 6 | 5 | 1 | 16.7% |
| Allegheny County | 5 | 0 | 2 | 40.0% |
| Lancaster County | 5 | 2 | 1 | 20.0% |
| Cumberland County | 5 | 5 | 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: 121 applications in 2025, of which 68 were originated and 37 denied.
30.6% of all applications, or 34.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans State Employees Credit Union of Maryland originated in Pennsylvania in 2025 was 6.06%, against a statewide median of 6.63%.
About this data. Figures are State Employees Credit Union of Maryland'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