Lender in Pennsylvania · HMDA 2025
Citadel Federal Credit Union mortgages in Pennsylvania
Citadel Federal Credit Union's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Citadel Federal Credit Union originated 252 owner-occupied single-family loans in Pennsylvania from 298 completed applications.
Its median conventional purchase loan costs were $4,430 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.375% (Pennsylvania: 6.625%).
Loans in PA
252
of 298 applications
Denial rate
7.2%
Purchase · PA 6.7%
Rate spread
−0.02 pts
Conv. · PA +0.17 pts
Loan amount
$255,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 209 | 191 | 7.2% | 6.375% | −0.02 pts | $4,430 | $255,000 |
| Refinance | 39 | 27 | 25.6% | — | −0.01 pts | $1,010 | $275,000 |
| Cash-out refinance | 50 | 34 | 32.0% | — | +0.07 pts | $3,430 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Citadel Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Chester County | 23 | 68 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology