Visions Federal Credit Union in Pennsylvania vs the state
35.1%Denial rate+16.84 pts vs state
41.2%Decision denial rate+18.95 pts vs state
47.6%Origination rate-13.33 pts vs state
7.25%Median rate+0.63 pts vs state
0.05Rate spread (pts)-0.19 pts vs state
$79kMedian applicant income
221Loans originated
163Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 366 | 156 | 29.5% | 7.00% | #175 |
| 2024 | 362 | 131 | 36.5% | 7.75% | #186 |
| 2025 | 464 | 221 | 35.1% | 7.25% | #165 |
What Visions Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Visions Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berks County | 221 | 103 | 87 | 39.4% |
| Susquehanna County | 74 | 46 | 14 | 18.9% |
| Bradford County | 70 | 30 | 21 | 30.0% |
| Lehigh County | 27 | 12 | 11 | 40.7% |
| Northampton County | 21 | 7 | 11 | 52.4% |
| Monroe County | 11 | 5 | 4 | 36.4% |
| Schuylkill County | 5 | 3 | 1 | 20.0% |
| Philadelphia County | 5 | 3 | 2 | 40.0% |
| Chester County | 5 | 1 | 3 | 60.0% |
| Pike County | 5 | 3 | 1 | 20.0% |
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: 464 applications in 2025, of which 221 were originated and 163 denied.
35.1% of all applications, or 41.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Visions Federal Credit Union originated in Pennsylvania in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Visions 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