USSCO Johnstown Federal Credit Union in Pennsylvania vs the state
18.9%Denial rate+0.58 pts vs state
21.3%Decision denial rate-0.93 pts vs state
69.8%Origination rate+8.85 pts vs state
—Median rate
—Rate spread (pts)
$104kMedian applicant income
37Loans originated
10Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 54 | 18.1% | — | #401 |
| 2024 | 68 | 45 | 25.0% | — | #426 |
| 2025 | 53 | 37 | 18.9% | — | #486 |
What USSCO Johnstown Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most USSCO Johnstown Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cambria County | 36 | 25 | 5 | 13.9% |
| Somerset County | 17 | 12 | 5 | 29.4% |
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: 53 applications in 2025, of which 37 were originated and 10 denied.
18.9% of all applications, or 21.3% 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 USSCO Johnstown 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