Pennsylvania State Employees Credit Union mortgage approval rate & lending review
Pennsylvania State Employees Credit Union decided 10,418 mortgage applications and funded 8,514 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Pennsylvania State Employees Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Pennsylvania State Employees Credit Union at a glance
Approval is 15.2 points above the 70.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 2,123 / 2,282 | 98% | $255K | 2,078 |
| Home improvement loans | 85% | 4,680 / 5,481 | 94% | $55K | 4,380 |
| Cash-out refinance | 74% | 323 / 436 | 97% | $155K | 314 |
| Refinance | 86% | 1,316 / 1,539 | 97% | $85K | 1,272 |
| Investment property purchase | 83% | 120 / 144 | 98% | $185K | 118 |
| Investment cash-out refinance | 64% | 28 / 44 | 96% | $105K | 27 |
| Investment refinance | 74% | 79 / 107 | 95% | $85K | 75 |
| Investment home improvement | 69% | 265 / 385 | 94% | $75K | 250 |
Pennsylvania State Employees Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 86% | $55K | 10,418 | 8,514 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Pennsylvania State Employees Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Dauphin County, PA | Home improvement loans | 85% | 797 | 635 |
| Lancaster County, PA | Home improvement loans | 89% | 508 | 419 |
| Cumberland County, PA | Home improvement loans | 91% | 468 | 402 |
| York County, PA | Home improvement loans | 89% | 367 | 310 |
| Dauphin County, PA | Mortgage lenders | 92% | 334 | 296 |
| Allegheny County, PA | Home improvement loans | 89% | 287 | 232 |
| Montgomery County, PA | Home improvement loans | 88% | 250 | 212 |
| Lancaster County, PA | Mortgage lenders | 95% | 213 | 201 |
| Cumberland County, PA | Mortgage lenders | 96% | 195 | 183 |
| Dauphin County, PA | Refinance | 86% | 208 | 171 |
| Luzerne County, PA | Home improvement loans | 84% | 213 | 169 |
| Berks County, PA | Home improvement loans | 81% | 225 | 168 |
The county markets where Pennsylvania State Employees Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Pennsylvania State Employees Credit Union
What is Pennsylvania State Employees Credit Union's mortgage approval rate?
Pennsylvania State Employees Credit Union approved 85.8% of the 10,418 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.2 points above the 70.5% national rate for the same mix of loan types.
How often do borrowers take the loan Pennsylvania State Employees Credit Union offers?
Borrowers accepted 95% of the loans Pennsylvania State Employees Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Pennsylvania State Employees Credit Union make?
The typical home improvement loan loan Pennsylvania State Employees Credit Union made was $55K; across all loan types its typical loan ran from $55K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Pennsylvania State Employees Credit Union lend?
Pennsylvania State Employees Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Pennsylvania.
Can I apply to Pennsylvania State Employees Credit Union directly?
Yes. Pennsylvania State Employees Credit Union is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Pennsylvania State Employees Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Pennsylvania State Employees Credit Union treats applications, then get a rate quote from the lender.