Widget Federal Credit Union in Pennsylvania vs the state
42.4%Denial rate+24.06 pts vs state
48.9%Decision denial rate+26.66 pts vs state
44.0%Origination rate-16.99 pts vs state
6.50%Median rate-0.13 pts vs state
0.20Rate spread (pts)-0.04 pts vs state
$78kMedian applicant income
135Loans originated
130Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 355 | 146 | 46.2% | 6.38% | #183 |
| 2024 | 334 | 126 | 50.0% | 6.68% | #192 |
| 2025 | 307 | 135 | 42.4% | 6.50% | #219 |
What Widget Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Widget Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 291 | 128 | 124 | 42.6% |
| Crawford County | 14 | 6 | 5 | 35.7% |
| Monroe County | 1 | 0 | 1 | 100.0% |
| Mercer 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: 307 applications in 2025, of which 135 were originated and 130 denied.
42.4% of all applications, or 48.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Widget Federal Credit Union originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Widget 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