Lender in Pennsylvania · HMDA 2025
Pennsylvania State Employees Credit Union mortgages in Pennsylvania
Pennsylvania State Employees Credit Union's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Pennsylvania State Employees Credit Union originated 1,160 owner-occupied single-family loans in Pennsylvania from 1,294 completed applications, making it the state's #25 lender by volume.
Its median conventional purchase loan costs were $3,400 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.50% (Pennsylvania: 6.625%).
Loans in PA
1,160
of 1,294 applications
Denial rate
4.1%
Purchase · PA 6.7%
Rate spread
+0.05 pts
Conv. · PA +0.17 pts
Loan amount
$255,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 942 | 896 | 4.1% | 6.500% | +0.05 pts | $3,400 | $255,000 |
| Refinance | 256 | 190 | 23.8% | — | +0.33 pts | $10 | $105,000 |
| Cash-out refinance | 96 | 74 | 21.9% | 6.875% | +0.03 pts | $2,780 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Pennsylvania State Employees Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 35.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Northumberland County | 4 | 27 | 4.0% |
| Lebanon County | 5 | 58 | 3.5% |
| Huntingdon County | 5 | 13 | 4.3% |
| Dauphin County | 6 | 148 | 4.6% |
| Juniata County | 6 | 8 | 5.1% |
| Schuylkill County | 7 | 37 | 2.5% |
| Snyder County | 7 | 10 | 3.9% |
| Centre County | 8 | 42 | 3.5% |
| Cameron County | 8 | 1 | 4.3% |
| Perry County | 9 | 16 | 3.3% |
| Mifflin County | 9 | 11 | 2.9% |
| Jefferson County | 9 | 10 | 3.1% |
| Union County | 9 | 8 | 2.6% |
| Cumberland County | 10 | 86 | 2.6% |
| Elk County | 10 | 4 | 1.6% |
| Lycoming County | 11 | 26 | 2.5% |
| Clearfield County | 11 | 16 | 2.3% |
| Columbia County | 11 | 12 | 2.2% |
| Montour County | 11 | 5 | 2.6% |
| Tioga County | 11 | 5 | 1.5% |
| Warren County | 11 | 5 | 1.5% |
| Lancaster County | 12 | 90 | 1.7% |
| Indiana County | 12 | 19 | 3.2% |
| Venango County | 12 | 6 | 1.6% |
| Cambria County | 13 | 17 | 1.5% |
| Forest County | 13 | 1 | 3.9% |
| Clinton County | 14 | 8 | 2.2% |
| Bedford County | 14 | 7 | 1.7% |
| Wayne County | 17 | 7 | 1.2% |
| Clarion County | 17 | 3 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology