Pennsylvania State Employees Credit Union: 2025 mortgage rates, costs & approvals
How Pennsylvania State Employees Credit Union priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: PENNSYLVANIA STATE EMPLOYEES Credit Union · LEI 549300PT6CCDYU4VHM41
In 2025, Pennsylvania State Employees Credit Union originated 1,160 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 1 state — 401st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 8 basis points below the national median. Median conventional loan costs were $3,400, 39% lower than the national median ($5,570).
It denied 4.1% of completed home-purchase applications (all lenders: 8.5%).
How Pennsylvania State Employees Credit Union priced home-purchase loans
| Purchase loans, 2025 | Pennsylvania State Employees Credit Union | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.05 pts | +0.13 pts |
| Total loan costs · conventional | $3,400 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $680 | $1,860 |
| Borrowers paying discount points | 12.1% | 51.3% |
| Points paid, when paid (% of loan) | 0.25% | 0.87% |
| Borrowers receiving lender credits | 18.2% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Pennsylvania State Employees Credit Union denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Pennsylvania State Employees Credit Union lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Pennsylvania | 1,160 | 1,294 | 4.1% | 6.500% | $3,400 |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Pennsylvania State Employees Credit Union's page for that state.
Counties where Pennsylvania State Employees Credit Union is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Juniata County, PA | 6 | 8 | 5.1% |
| Dauphin County, PA | 6 | 148 | 4.6% |
| Huntingdon County, PA | 5 | 13 | 4.3% |
| Cameron County, PA | 8 | 1 | 4.3% |
| Northumberland County, PA | 4 | 27 | 4.0% |
| Snyder County, PA | 7 | 10 | 3.9% |
| Forest County, PA | 13 | 1 | 3.9% |
| Lebanon County, PA | 5 | 58 | 3.5% |
| Centre County, PA | 8 | 42 | 3.5% |
| Perry County, PA | 9 | 16 | 3.3% |
| Indiana County, PA | 12 | 19 | 3.2% |
| Jefferson County, PA | 9 | 10 | 3.1% |
| Mifflin County, PA | 9 | 11 | 2.9% |
| Union County, PA | 9 | 8 | 2.6% |
| Montour County, PA | 11 | 5 | 2.6% |
Check Pennsylvania State Employees Credit Union yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300PT6CCDYU4VHM41.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Pennsylvania State Employees Credit Union with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology