PHILADELPHIA FEDERAL CREDIT UNION
PHILADELPHIA FEDERAL CREDIT UNION received 2,486 applications in 2025 and made 1,376 mortgages, in 68 counties across 11 states. The median rate its borrowers got was 7.000% on a median loan of $105,000. Of 2,335 decisions, 917 were denials — 39.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DYB1ZT3UOGPL20 |
|---|---|
| Applications received | 2,486 |
| Mortgages made | 1,376 |
| Denied | 917 |
| Approved, not taken up | 42 |
| Withdrawn or incomplete | 151 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.68 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 143 | 6.250% | $305,000 | 28.4% |
| Refinancing | 271 | 6.750% | $185,000 | 24.2% |
| Cash-out refinancing | 67 | 6.990% | $105,000 | 32.7% |
| Other purposes | 895 | 7.250% | $65,000 | 44.3% |
Where PHILADELPHIA FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Philadelphia County, PA | 826 | 7.000% | 42.5% |
| Delaware County, PA | 105 | 6.990% | 34.4% |
| Cape May County, NJ | 97 | 6.375% | 14.5% |
| Montgomery County, PA | 84 | 7.250% | 33.6% |
| Bucks County, PA | 59 | 7.250% | 39.2% |
| Camden County, NJ | 38 | 7.250% | 40.6% |
| Columbia County, PA | 37 | 7.000% | 37.3% |
| New Castle County, DE | 20 | 7.250% | 38.2% |
| Gloucester County, NJ | 14 | 7.250% | 22.7% |
| Chester County, PA | 14 | 7.000% | 37.5% |
| Burlington County, NJ | 12 | 6.875% | 29.4% |
| Luzerne County, PA | 7 | Under 10 loans | 41.7% |
| Kent County, DE | 4 | Under 10 loans | 50.0% |
| Somerset County, NJ | 4 | Under 10 loans | 0.0% |
| Berks County, PA | 4 | Under 10 loans | 20.0% |
| Dauphin County, PA | 3 | Under 10 loans | 25.0% |
| Monroe County, PA | 3 | Under 10 loans | 50.0% |
| Northampton County, PA | 3 | Under 10 loans | 62.5% |
| Broward County, FL | 2 | Under 10 loans | 0.0% |
| Mercer County, NJ | 2 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 2 | Under 10 loans | 0.0% |
| Monmouth County, NJ | 2 | Under 10 loans | 33.3% |
| Ocean County, NJ | 2 | Under 10 loans | 0.0% |
| Carbon County, PA | 2 | Under 10 loans | 0.0% |
| Cumberland County, PA | 2 | Under 10 loans | 0.0% |
| Lehigh County, PA | 2 | Under 10 loans | 66.7% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 50.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Allegany County, MD | 1 | Under 10 loans | 0.0% |
| Baltimore County, MD | 1 | Under 10 loans | 0.0% |
| Kent County, MD | 1 | Under 10 loans | 0.0% |
| Somerset County, MD | 1 | Under 10 loans | 50.0% |
| Talbot County, MD | 1 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 1 | Under 10 loans | 80.0% |
| Cumberland County, NJ | 1 | Under 10 loans | 50.0% |
| Hunterdon County, NJ | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Butler County, PA | 1 | Under 10 loans | 0.0% |
| Clearfield County, PA | 1 | Under 10 loans | 0.0% |
| Erie County, PA | 1 | Under 10 loans | 0.0% |
| Lancaster County, PA | 1 | Under 10 loans | 50.0% |
| Montour County, PA | 1 | Under 10 loans | 0.0% |
| Northumberland County, PA | 1 | Under 10 loans | 66.7% |
| Pike County, PA | 1 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 1 | Under 10 loans | 0.0% |
| Union County, PA | 1 | Under 10 loans | 0.0% |
| Westmoreland County, PA | 1 | Under 10 loans | 50.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.