Lenders › Navy Federal Credit Union › Pennsylvania
Navy Federal Credit Union in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Navy Federal Credit Union's 2024 HMDA record for Pennsylvania covers 4,432 applications, 2,079 of them originated, worth $414m.
Its denial rate in the state was 33.0%, above the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 34.3%.
The median rate spread on its Pennsylvania originations was 0.6 percentage points (state median 0.3).
Applications in the state were up 13% on 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | Navy Federal Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 33.0% | 24.2% | 34.3% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 34.6% | 14.1% | 39.5% | 15.6% |
| Average originated loan | $199k | $226k | $216k | $329k |
| Home purchase share | 46.2% | 48.7% | 37.2% | 57.0% |
| FHA-insured share | 0.0% | 9.8% | 0.0% | 13.4% |
| VA-guaranteed share | 20.6% | 4.0% | 20.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 46% (961)Home improvement 23% (488)Refinancing 2% (38)Cash-out refinancing 8% (171)Other purpose 20% (421)
By type
Conventional 79% (1,651)VA 21% (428)
Denial reasons as coded
Share of 1,045 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Montgomery County | 379 | 205 | $46m | 23.8% |
| Philadelphia County | 657 | 188 | $35m | 56.2% |
| Allegheny County | 358 | 172 | $36m | 30.2% |
| Bucks County | 280 | 141 | $32m | 25.8% |
| Delaware County | 305 | 138 | $24m | 36.8% |
| York County | 238 | 123 | $25m | 31.1% |
| Chester County | 181 | 95 | $20m | 21.3% |
| Cumberland County | 132 | 68 | $13m | 27.1% |
| Berks County | 119 | 62 | $11m | 33.0% |
| Lancaster County | 129 | 61 | $12m | 26.7% |
| Dauphin County | 114 | 58 | $11m | 31.0% |
| Northampton County | 120 | 55 | $10m | 37.1% |
| Westmoreland County | 98 | 47 | $9.1m | 28.8% |
| Franklin County | 80 | 46 | $9.6m | 29.9% |
| Luzerne County | 85 | 44 | $7.1m | 29.0% |
| Butler County | 66 | 43 | $11m | 24.6% |
| Monroe County | 92 | 41 | $8.5m | 35.9% |
| Adams County | 60 | 38 | $7.3m | 14.9% |
| Lehigh County | 81 | 35 | $7.5m | 29.4% |
| Lackawanna County | 51 | 28 | $6.0m | 28.2% |
| Erie County | 63 | 26 | $5.1m | 27.0% |
| Washington County | 51 | 24 | $6.5m | 36.6% |
| Carbon County | 36 | 21 | $3.9m | — |
| Lebanon County | 33 | 20 | $5.8m | 23.1% |
| Schuylkill County | 33 | 19 | $3.2m | 26.9% |
| Beaver County | 49 | 18 | $3.1m | 43.8% |
| Pike County | 35 | 18 | $2.9m | 33.3% |
| Centre County | 27 | 17 | $4.9m | — |
| Lycoming County | 27 | 15 | $2.6m | — |
| Cambria County | 26 | 15 | $2.1m | — |
| Somerset County | 25 | 12 | $2.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Navy Federal Credit Union originate in Pennsylvania in 2024?
2,079 loans totalling $414m, from 4,432 applications reported for properties in Pennsylvania.
What is Navy Federal Credit Union's denial rate in Pennsylvania?
33.0% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 34.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Pennsylvania counties does Navy Federal Credit Union lend in most?
By originations: Montgomery County (205), Philadelphia County (188), Allegheny County (172), Bucks County (141), Delaware County (138).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Pennsylvania. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.