United Federal Credit Union in Pennsylvania vs the state
35.8%Denial rate+17.54 pts vs state
40.6%Decision denial rate+18.36 pts vs state
49.2%Origination rate-11.79 pts vs state
7.25%Median rate+0.63 pts vs state
0.85Rate spread (pts)+0.61 pts vs state
$116kMedian applicant income
59Loans originated
43Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 2 | 50.0% | 6.13% | #743 |
| 2024 | 88 | 45 | 30.7% | 8.05% | #396 |
| 2025 | 120 | 59 | 35.8% | 7.25% | #354 |
What United 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 Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lehigh County | 60 | 27 | 22 | 36.7% |
| Northampton County | 19 | 12 | 6 | 31.6% |
| Schuylkill County | 9 | 4 | 4 | 44.4% |
| Monroe County | 8 | 3 | 3 | 37.5% |
| Berks County | 7 | 5 | 2 | 28.6% |
| Bucks County | 6 | 3 | 0 | 0.0% |
| Columbia County | 2 | 1 | 1 | 50.0% |
| Carbon County | 2 | 1 | 1 | 50.0% |
| Luzerne County | 2 | 0 | 2 | 100.0% |
| Lackawanna 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: 120 applications in 2025, of which 59 were originated and 43 denied.
35.8% of all applications, or 40.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans United Federal Credit Union originated in Pennsylvania in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are United 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