Timberland Federal Credit Union in Pennsylvania vs the state
23.4%Denial rate+5.07 pts vs state
29.8%Decision denial rate+7.55 pts vs state
55.1%Origination rate-5.82 pts vs state
—Median rate
—Rate spread (pts)
$86kMedian applicant income
59Loans originated
25Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 27 | 30.0% | — | #445 |
| 2024 | 84 | 40 | 27.4% | — | #403 |
| 2025 | 107 | 59 | 23.4% | — | #366 |
What Timberland Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most Timberland Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clearfield County | 68 | 36 | 15 | 22.1% |
| Centre County | 22 | 12 | 6 | 27.3% |
| Jefferson County | 10 | 8 | 2 | 20.0% |
| Cambria County | 2 | 0 | 1 | 50.0% |
| Elk County | 2 | 1 | 0 | 0.0% |
| Mifflin County | 1 | 1 | 0 | 0.0% |
| Clinton County | 1 | 0 | 1 | 100.0% |
| Columbia 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: 107 applications in 2025, of which 59 were originated and 25 denied.
23.4% of all applications, or 29.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Timberland 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