Lender in Pennsylvania · HMDA 2025
Navy Federal Credit Union mortgages in Pennsylvania
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Navy Federal Credit Union originated 1,016 owner-occupied single-family loans in Pennsylvania from 1,243 completed applications.
Its median conventional purchase loan costs were $4,080 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.625% (Pennsylvania: 6.625%).
Loans in PA
1,016
of 1,243 applications
Denial rate
10.9%
Purchase · PA 6.7%
Rate spread
−0.06 pts
Conv. · PA +0.17 pts
Loan amount
$295,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 948 | 840 | 10.9% | 6.625% | −0.06 pts | $4,080 | $295,000 |
| Refinance | 101 | 62 | 32.7% | — | −0.33 pts | $3,480 | $295,000 |
| Cash-out refinance | 194 | 114 | 40.7% | 6.750% | +0.10 pts | $2,490 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Navy Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| McKean County | 5 | 5 | 2.2% |
| Forest County | 6 | 1 | 3.9% |
| Warren County | 12 | 4 | 1.2% |
| Clarion County | 12 | 3 | 1.1% |
| Fulton County | 13 | 2 | 1.7% |
| Dauphin County | 16 | 47 | 1.5% |
| Somerset County | 17 | 6 | 0.9% |
| Lycoming County | 18 | 9 | 0.9% |
| Perry County | 18 | 6 | 1.2% |
| Lebanon County | 19 | 20 | 1.2% |
| Centre County | 19 | 11 | 0.9% |
| Pike County | 20 | 12 | 1.1% |
| Crawford County | 20 | 8 | 1.3% |
| Clinton County | 20 | 4 | 1.1% |
| Cumberland County | 21 | 48 | 1.4% |
| Clearfield County | 21 | 7 | 1.0% |
| Snyder County | 21 | 2 | 0.8% |
| Wayne County | 22 | 5 | 0.9% |
| Montour County | 22 | 2 | 1.1% |
| Lackawanna County | 23 | 20 | 1.0% |
| Indiana County | 23 | 5 | 0.9% |
| Venango County | 23 | 3 | 0.8% |
| Monroe County | 24 | 20 | 0.9% |
| Bradford County | 24 | 3 | 0.6% |
| Juniata County | 24 | 1 | 0.6% |
| York County | 25 | 62 | 1.0% |
| Delaware County | 25 | 51 | 0.8% |
| Susquehanna County | 25 | 3 | 0.9% |
- Navy Federal Credit Union nationwide
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- Navy Federal Credit Union in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology