People First Federal Credit Union mortgage approval rate & lending review
People First Federal Credit Union decided 1,641 mortgage applications and funded 1,164 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions People First Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
People First Federal Credit Union at a glance
Approval is 1.3 points above the 71.5% 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 | 84% | 229 / 274 | 99% | $295K | 226 |
| Home improvement loans | 65% | 529 / 814 | 96% | $45K | 508 |
| Refinance | 77% | 365 / 474 | 98% | $55K | 359 |
| Investment property purchase | 100% | 35 / 35 | 97% | $195K | 34 |
People First Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 73% | $55K | 1,607 | 1,139 |
| New Jersey | 79% | $115K | 28 | 21 |
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 People First Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lehigh County, PA | Home improvement loans | 66% | 382 | 244 |
| Northampton County, PA | Home improvement loans | 66% | 352 | 222 |
| Lehigh County, PA | Refinance | 77% | 278 | 210 |
| Northampton County, PA | Refinance | 80% | 167 | 131 |
| Lehigh County, PA | Mortgage lenders | 79% | 113 | 88 |
| Northampton County, PA | Mortgage lenders | 81% | 85 | 68 |
| Berks County, PA | Home improvement loans | 73% | 26 | 18 |
| Monroe County, PA | Home improvement loans | 50% | 20 | 9 |
The county markets where People First Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about People First Federal Credit Union
What is People First Federal Credit Union's mortgage approval rate?
People First Federal Credit Union approved 72.8% of the 1,641 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.3 points above the 71.5% national rate for the same mix of loan types.
How often do borrowers take the loan People First Federal Credit Union offers?
Borrowers accepted 97% of the loans People First Federal 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 People First Federal Credit Union make?
The typical home improvement loan loan People First Federal Credit Union made was $45K; across all loan types its typical loan ran from $45K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does People First Federal Credit Union lend?
People First Federal Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Ohio.
Can I apply to People First Federal Credit Union directly?
Yes. People First Federal Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show People First Federal 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 People First Federal Credit Union treats applications, then get a rate quote from the lender.