USX Federal Credit Union in Pennsylvania vs the state
14.1%Denial rate-4.21 pts vs state
15.6%Decision denial rate-6.62 pts vs state
75.2%Origination rate+14.28 pts vs state
—Median rate
—Rate spread (pts)
$97kMedian applicant income
155Loans originated
29Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 132 | 87 | 30.3% | — | #335 |
| 2024 | 155 | 109 | 22.6% | — | #308 |
| 2025 | 206 | 155 | 14.1% | — | #268 |
What USX Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most USX Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 63 | 47 | 6 | 9.5% |
| Butler County | 53 | 38 | 9 | 17.0% |
| Westmoreland County | 44 | 34 | 5 | 11.4% |
| Beaver County | 14 | 11 | 2 | 14.3% |
| Fayette County | 8 | 6 | 2 | 25.0% |
| Armstrong County | 7 | 5 | 2 | 28.6% |
| Washington County | 5 | 5 | 0 | 0.0% |
| Clarion County | 5 | 5 | 0 | 0.0% |
| Lawrence County | 2 | 2 | 0 | 0.0% |
| Centre 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: 206 applications in 2025, of which 155 were originated and 29 denied.
14.1% of all applications, or 15.6% 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 USX 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