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Pa State Employees CU in Pennsylvania

HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania overview

LEI 549300PT6CCDYU4VHM41
Reporting agency National Credit Union Administration
State Pennsylvania

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.

Pa State Employees CU's 2024 HMDA record for Pennsylvania covers 8,287 applications, 5,706 of them originated, worth $626m.

Its denial rate in the state was 17.7%, below the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 17.7%.

The median rate spread on its Pennsylvania originations was 0.7 percentage points (state median 0.3).

Applications in the state were about level with 2023.

8,287applications in PA, 2024100.0% of the lender's total
5,706loans originated$626m
17.7%denial ratePA all lenders 24.2%
0.7 ppmedian rate spreadPA 0.3 pp

Compared with the state and the lender's national record

MeasureIn PennsylvaniaPennsylvania, all lendersPa State Employees CU, all statesUnited States
Denial rate17.7%24.2%17.7%24.3%
Median rate spread, pp0.70.30.70.3
Originations with spread of 1.5 pp or more35.4%14.1%35.4%15.6%
Average originated loan$110k$226k$110k$329k
Home purchase share15.7%48.7%15.7%57.0%
FHA-insured share0.0%9.8%0.0%13.4%
VA-guaranteed share0.0%4.0%0.0%7.9%

Trend by year

ApplicationsOriginations

05102.510,2052022: 10,205 Applications2023: 8,055 Applications2024: 8,287 Applications2022: 6,949 Originations2023: 5,285 Originations2024: 5,706 Originations202220232024
Pa State Employees CU in Pennsylvania: applications and originations, 2022–2024

This lender in statePennsylvania, all lenders

0%12.4%24.9%2022: 17.6% This lender in state2023: 19.7% This lender in state2024: 17.7% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Pennsylvania

By purpose

Home purchase 16% (898)Home improvement 36% (2,031)Refinancing 5% (282)Cash-out refinancing 3% (168)Other purpose 41% (2,327)

By type

Conventional 100% (5,706)

Denial reasons as coded

Credit history54.9%
Debt-to-income ratio24.6%
Collateral14.8%
Other4.4%
Insufficient cash (downpayment, closing costs)0.6%
Credit application incomplete0.3%
Employment history0.2%
Unverifiable information0.1%
Mortgage insurance denied0%

Share of 1,287 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).

Counties in Pennsylvania

CountyApplicationsOriginationsAmountDenial rate
Dauphin County908648$71m15.4%
Lancaster County559420$53m12.6%
Cumberland County548403$45m13.2%
York County415310$32m14.4%
Allegheny County393267$31m14.5%
Montgomery County277213$39m9.8%
Lebanon County268202$34m13.6%
Schuylkill County254169$15m18.9%
Luzerne County235160$14m14.6%
Berks County241154$18m24.3%
Centre County179136$14m12.9%
Westmoreland County205134$13m19.5%
Chester County177125$24m14.8%
Lackawanna County151103$9.2m17.4%
Lycoming County151100$9.2m21.3%
Bucks County150100$12m18.4%
Lehigh County13696$14m19.2%
Northampton County15294$10m21.3%
Northumberland County14093$8.6m17.6%
Philadelphia County19591$13m39.8%
Perry County13685$7.9m25.8%
Indiana County12279$6.1m17.6%
Blair County12174$4.6m23.0%
Delaware County11469$11m21.7%
Columbia County9167$6.3m12.8%
Erie County9865$5.3m20.2%
Clearfield County9763$5.3m22.6%
Mifflin County8860$3.9m21.5%
Monroe County9759$6.5m20.3%
Clinton County8959$4.4m19.2%
Huntingdon County9055$4.0m25.0%
Carbon County7653$4.4m20.6%
Washington County8451$4.7m26.1%
Franklin County6951$5.8m11.1%
Cambria County8350$4.0m24.3%
Juniata County6949$4.7m14.8%
Butler County6847$4.7m12.5%
Adams County6447$5.5m15.3%
Snyder County6345$3.5m20.3%
Union County5742$4.3m17.3%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Pa State Employees CU originate in Pennsylvania in 2024?

5,706 loans totalling $626m, from 8,287 applications reported for properties in Pennsylvania.

What is Pa State Employees CU's denial rate in Pennsylvania?

17.7% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 17.7% 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 Pa State Employees CU lend in most?

By originations: Dauphin County (648), Lancaster County (420), Cumberland County (403), York County (310), Allegheny County (267).

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.