USX Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
30th15.4% deniedProcesswithdrawn + incomplete share, weight 15%
63rd9.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 140 | 91 | 30.0% | 31.3% | — | $7.4M |
| 2024 | 164 | 115 | 22.6% | 23.9% | — | $9.0M |
| 2025 | 221 | 168 | 14.0% | 15.4% | — | $16M |
What USX Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 0 investment properties.
Why USX Federal Credit Union denies applications
Primary reason reported for each of the 31 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at USX Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 14 | 22.2% |
| $50k – $100k | 90 | 64 | 20.7% |
| $100k – $150k | 60 | 47 | 12.7% |
| $150k – $250k | 36 | 31 | 6.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 14 | 16.7% |
| 35–44 | 40 | 26 | 18.8% |
| 45–54 | 60 | 49 | 13.8% |
| 55–64 | 54 | 43 | 15.7% |
| 65–74 | 38 | 30 | 16.7% |
Where USX Federal Credit Union lends
2 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 206 | 155 | 14.1% | — | #268 |
| Ohio | 15 | 13 | 13.3% | — | #570 |
Frequently asked questions
USX Federal Credit Union denied 15.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of small mortgage lenders.
The most common reason USX Federal Credit Union gave in 2025 was "credit history", cited on 64.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 6% of its applications were for home purchases, 46% for refinancing (including cash-out), and 48% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.