Lenders › Choice One Community FCU › Pennsylvania
Choice One Community FCU 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.
In Pennsylvania, Choice One Community FCU reported 116 applications and 95 originations for 2024, $6.8m in all.
Its denial rate in the state was 18.1%, below the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 25.8%.
Applications in the state were up 35% on 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | Choice One Community FCU, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.1% | 24.2% | 25.8% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 14.1% | — | 15.6% |
| Average originated loan | $72k | $226k | $72k | $329k |
| Home purchase share | 5.3% | 48.7% | 5.3% | 57.0% |
| FHA-insured share | 0.0% | 9.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 5% (5)Home improvement 37% (35)Refinancing 23% (22)Cash-out refinancing 31% (29)Other purpose 4% (4)
By type
Conventional 100% (95)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Luzerne County | 103 | 83 | $6.3m | 19.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Choice One Community FCU originate in Pennsylvania in 2024?
95 loans totalling $6.8m, from 116 applications reported for properties in Pennsylvania.
What is Choice One Community FCU's denial rate in Pennsylvania?
18.1% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 25.8% 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 Choice One Community FCU lend in most?
By originations: Luzerne County (83).
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.