Utilities Employees Credit Union in Pennsylvania vs the state
14.5%Denial rate-3.78 pts vs state
17.0%Decision denial rate-5.17 pts vs state
69.4%Origination rate+8.45 pts vs state
6.74%Median rate+0.12 pts vs state
0.43Rate spread (pts)+0.19 pts vs state
$117kMedian applicant income
397Loans originated
83Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 449 | 336 | 6.2% | 6.74% | #153 |
| 2024 | 381 | 289 | 6.6% | 6.99% | #179 |
| 2025 | 572 | 397 | 14.5% | 6.74% | #142 |
What Utilities Employees Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Utilities Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berks County | 161 | 120 | 18 | 11.2% |
| Monroe County | 14 | 7 | 4 | 28.6% |
| Schuylkill County | 4 | 3 | 1 | 25.0% |
| Lancaster County | 3 | 3 | 0 | 0.0% |
| Chester County | 2 | 1 | 0 | 0.0% |
| Cambria County | 2 | 2 | 0 | 0.0% |
| Lebanon County | 2 | 1 | 0 | 0.0% |
| Philadelphia County | 2 | 1 | 0 | 0.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Indiana 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: 572 applications in 2025, of which 397 were originated and 83 denied.
14.5% of all applications, or 17.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Utilities Employees Credit Union originated in Pennsylvania in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are Utilities Employees 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