United Community Federal Credit Union in Pennsylvania vs the state
17.0%Denial rate-1.31 pts vs state
18.6%Decision denial rate-3.65 pts vs state
74.5%Origination rate+13.57 pts vs state
5.75%Median rate-0.88 pts vs state
-0.36Rate spread (pts)-0.60 pts vs state
$95kMedian applicant income
79Loans originated
18Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 70 | 15.7% | 5.75% | #369 |
| 2024 | 118 | 84 | 22.0% | 6.00% | #346 |
| 2025 | 106 | 79 | 17.0% | 5.75% | #368 |
What United Community Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most United Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 73 | 57 | 10 | 13.7% |
| Washington County | 15 | 8 | 4 | 26.7% |
| Westmoreland County | 13 | 11 | 2 | 15.4% |
| Beaver County | 3 | 2 | 1 | 33.3% |
| Butler County | 1 | 0 | 1 | 100.0% |
| Fayette 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: 106 applications in 2025, of which 79 were originated and 18 denied.
17.0% of all applications, or 18.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans United Community Federal Credit Union originated in Pennsylvania in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are United Community 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