Pennsylvania State Employees Credit Union Mortgage Lending & HMDA Data, 2008

In 2008, Pennsylvania State Employees Credit Union of Harrisburg, PA reported 4,181 mortgage applications totaling $261.2 million, up 12% from 2007. The average application was for $62,480, and applicants reported an average income of $83,839. 74% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Harrisburg-Carlisle, PA (1,221), Philadelphia, PA (341) and Pittsburgh, PA (295) (applications in parentheses).

Mortgage Company & Address Pennsylvania State Employees Credit Union
Po Box 67013
Harrisburg, PA 17110
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 4,181
Total Mortgage Loan Application Amount $261,231,000
Average Mortgage Loan Application Amount $62,480
Highest Mortgage Loan Application Amount $949,000
Average Applicant Income $83,839
Highest Applicant Income $699,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pennsylvania State Employees Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Pennsylvania State Employees Credit Union by County in 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Dauphin, Pennsylvania 712 $ 42,608,000 $ 59,842 $ 84,000
Cumberland, Pennsylvania 412 $ 27,008,000 $ 65,553 $ 92,000
York, Pennsylvania 181 $ 13,330,000 $ 73,646 $ 92,000
Lancaster, Pennsylvania 161 $ 10,374,000 $ 64,434 $ 92,000
Luzerne, Pennsylvania 126 $ 5,611,000 $ 44,531 $ 80,000
Schuylkill, Pennsylvania 123 $ 6,772,000 $ 55,056 $ 74,000
Allegheny, Pennsylvania 119 $ 6,506,000 $ 54,672 $ 78,000
Lebanon, Pennsylvania 109 $ 5,850,000 $ 53,669 $ 84,000
Montgomery, Pennsylvania 108 $ 9,417,000 $ 87,194 $ 103,000
Perry, Pennsylvania 97 $ 6,610,000 $ 68,144 $ 75,000
Centre, Pennsylvania 94 $ 4,810,000 $ 51,170 $ 72,000
Lycoming, Pennsylvania 92 $ 5,601,000 $ 60,880 $ 87,000
Berks, Pennsylvania 91 $ 6,424,000 $ 70,593 $ 93,000
Northumberland, Pennsylvania 89 $ 3,957,000 $ 44,460 $ 62,000
Philadelphia, Pennsylvania 72 $ 5,670,000 $ 78,750 $ 76,000
Chester, Pennsylvania 69 $ 6,332,000 $ 91,768 $ 104,000
Indiana, Pennsylvania 62 $ 3,002,000 $ 48,419 $ 77,000
Westmoreland, Pennsylvania 62 $ 3,723,000 $ 60,048 $ 82,000
Clearfield, Pennsylvania 56 $ 2,830,000 $ 50,535 $ 73,000
Cambria, Pennsylvania 52 $ 2,340,000 $ 45,000 $ 77,000
Lackawanna, Pennsylvania 52 $ 3,059,000 $ 58,826 $ 82,000
Huntingdon, Pennsylvania 49 $ 2,306,000 $ 47,061 $ 79,000
Delaware, Pennsylvania 48 $ 2,970,000 $ 61,875 $ 84,000
Lehigh, Pennsylvania 46 $ 2,635,000 $ 57,282 $ 99,000
Blair, Pennsylvania 44 $ 2,180,000 $ 49,545 $ 76,000
Bucks, Pennsylvania 44 $ 3,130,000 $ 71,136 $ 100,000
Erie, Pennsylvania 39 $ 1,945,000 $ 49,871 $ 75,000
Monroe, Pennsylvania 38 $ 3,651,000 $ 96,078 $ 83,000
Columbia, Pennsylvania 36 $ 2,043,000 $ 56,750 $ 77,000
Northampton, Pennsylvania 36 $ 1,666,000 $ 46,277 $ 79,000
Adams, Pennsylvania 35 $ 1,767,000 $ 50,485 $ 79,000
Clinton, Pennsylvania 35 $ 1,673,000 $ 47,800 $ 69,000
Washington, Pennsylvania 35 $ 1,647,000 $ 47,057 $ 85,000
Union, Pennsylvania 30 $ 1,875,000 $ 62,500 $ 80,000
Franklin, Pennsylvania 28 $ 2,096,000 $ 74,857 $ 77,000
Snyder, Pennsylvania 28 $ 1,959,000 $ 69,964 $ 73,000
Fayette, Pennsylvania 27 $ 1,401,000 $ 51,888 $ 62,000
Butler, Pennsylvania 26 $ 1,799,000 $ 69,192 $ 106,000
Carbon, Pennsylvania 26 $ 1,800,000 $ 69,230 $ 94,000
Crawford, Pennsylvania 26 $ 1,032,000 $ 39,692 $ 66,000
Juniata, Pennsylvania 26 $ 1,465,000 $ 56,346 $ 76,000
Somerset, Pennsylvania 24 $ 1,001,000 $ 41,708 $ 64,000
Venango, Pennsylvania 22 $ 958,000 $ 43,545 $ 56,000
Mifflin, Pennsylvania 20 $ 1,727,000 $ 86,350 $ 84,000
Wayne, Pennsylvania 20 $ 1,034,000 $ 51,700 $ 73,000
Tioga, Pennsylvania 18 $ 1,097,000 $ 60,944 $ 58,000
Potter, Pennsylvania 16 $ 913,000 $ 57,062 $ 80,000
Bedford, Pennsylvania 15 $ 512,000 $ 34,133 $ 68,000
Lawrence, Pennsylvania 15 $ 425,000 $ 28,333 $ 78,000
Armstrong, Pennsylvania 14 $ 515,000 $ 36,785 $ 78,000
Mercer, Pennsylvania 14 $ 610,000 $ 43,571 $ 73,000
Beaver, Pennsylvania 12 $ 943,000 $ 78,583 $ 71,000
Jefferson, Pennsylvania 10 $ 585,000 $ 58,500 $ 71,000
Warren, Pennsylvania 10 $ 696,000 $ 69,600 $ 63,000
New Castle, Delaware 9 $ 742,000 $ 82,444 $ 125,000
Greene, Pennsylvania 9 $ 294,000 $ 32,666 $ 83,000
Bradford, Pennsylvania 8 $ 431,000 $ 53,875 $ 75,000
Montour, Pennsylvania 8 $ 816,000 $ 102,000 $ 84,000
Camden, New Jersey 7 $ 364,000 $ 52,000 $ 117,000
Susquehanna, Pennsylvania 7 $ 266,000 $ 38,000 $ 42,000
Wyoming, Pennsylvania 7 $ 687,000 $ 98,142 $ 77,000
Clarion, Pennsylvania 6 $ 305,000 $ 50,833 $ 83,000
McKean, Pennsylvania 6 $ 231,000 $ 38,500 $ 89,000
Sussex, Delaware 5 $ 357,000 $ 71,400 $ 160,000
Montgomery, Maryland 5 $ 844,000 $ 168,800 $ 163,000
Mecklenburg, North Carolina 5 $ 304,000 $ 60,800 $ 107,000
Cameron, Pennsylvania 5 $ 86,000 $ 17,200 $ 64,000
Elk, Pennsylvania 5 $ 90,000 $ 18,000 $ 71,000
Baltimore, Maryland 4 $ 227,000 $ 56,750 $ 71,000
Carroll, Maryland 4 $ 349,000 $ 87,250 $ 92,000
Burlington, New Jersey 4 $ 173,000 $ 43,250 $ 109,000
Gloucester, New Jersey 4 $ 786,000 $ 196,500 $ 159,000
Hunterdon, New Jersey 4 $ 707,000 $ 176,750 $ 78,000
Mercer, New Jersey 4 $ 474,000 $ 118,500 $ 95,000
Chautauqua, New York 4 $ 90,000 $ 22,500 $ 64,000
Pike, Pennsylvania 4 $ 193,000 $ 48,250 $ 69,000
Jefferson, West Virginia 4 $ 91,000 $ 22,750 $ 156,000
Martin, Florida 3 $ 512,000 $ 170,666 $ 288,000
Sumter, Florida 3 $ 424,000 $ 141,333 $ 54,000
Washington, Maryland 3 $ 415,000 $ 138,333 $ 136,000
Worcester, Maryland 3 $ 266,000 $ 88,666 $ 114,000
Middlesex, New Jersey 3 $ 158,000 $ 52,666 $ 70,000
Monmouth, New Jersey 3 $ 414,000 $ 138,000 $ 109,000
Morris, New Jersey 3 $ 178,000 $ 59,333 $ 110,000
Ocean, New Jersey 3 $ 103,000 $ 34,333 $ 65,000
St. Lawrence, New York 3 $ 155,000 $ 51,666 $ 97,000
Forsyth, North Carolina 3 $ 77,000 $ 25,666 $ 64,000
Wake, North Carolina 3 $ 77,000 $ 25,666 $ 117,000
Fulton, Pennsylvania 3 $ 185,000 $ 61,666 $ 87,000
Horry, South Carolina 3 $ 149,000 $ 49,666 $ 65,000
Fairfield, Connecticut 2 $ 230,000 $ 115,000 $ 82,000
Kent, Delaware 2 $ 145,000 $ 72,500 $ 125,000
Charlotte, Florida 2 $ 52,000 $ 26,000 $ 60,000
Marion, Florida 2 $ 160,000 $ 80,000 $ 70,000
Orange, Florida 2 $ 172,000 $ 86,000 $ 148,000
Palm Beach, Florida 2 $ 156,000 $ 78,000 $ 65,000
Volusia, Florida 2 $ 476,000 $ 238,000 $ 77,000
Baltimore City, Maryland 2 $ 60,000 $ 30,000 $ 98,000
Charles, Maryland 2 $ 105,000 $ 52,500 $ 134,000
Prince George's, Maryland 2 $ 179,000 $ 89,500 $ 95,000
Atlantic, New Jersey 2 $ 313,000 $ 156,500 $ 101,000
Cape May, New Jersey 2 $ 155,000 $ 77,500 $ 145,000
Allegany, New York 2 $ 90,000 $ 45,000 $ 54,000
Guilford, North Carolina 2 $ 287,000 $ 143,500 $ 94,000
Sullivan, Pennsylvania 2 $ 116,000 $ 58,000 $ 78,000
Charleston, South Carolina 2 $ 34,000 $ 17,000 $ 55,000
Greenville, South Carolina 2 $ 67,000 $ 33,500 $ 40,000
Loudoun, Virginia 2 $ 230,000 $ 115,000 $ 168,000
Prince William, Virginia 2 $ 90,000 $ 45,000 $ 47,000
Stafford, Virginia 2 $ 42,000 $ 21,000 $ 98,000
New London, Connecticut 1 $ 5,000 $ 5,000 $ 99,000
District of Columbia, District Of Columbia 1 $ 16,000 $ 16,000 $ 96,000
Brevard, Florida 1 $ 75,000 $ 75,000 $ 31,000
Broward, Florida 1 $ 35,000 $ 35,000 $ 44,000
Clay, Florida 1 $ 50,000 $ 50,000 $ 50,000
Duval, Florida 1 $ 60,000 $ 60,000 $ 237,000
Flagler, Florida 1 $ 25,000 $ 25,000 $ 151,000
Hillsborough, Florida 1 $ 150,000 $ 150,000 $ 77,000
Lake, Florida 1 $ 160,000 $ 160,000 $ 76,000
Lee, Florida 1 $ 167,000 $ 167,000 $ 48,000
Sarasota, Florida 1 $ 15,000 $ 15,000 $ 67,000
Seminole, Florida 1 $ 220,000 $ 220,000 $ 78,000
St. Johns, Florida 1 $ 30,000 $ 30,000 $ 45,000
St. Lucie, Florida 1 $ 25,000 $ 25,000 $ 71,000
Baldwin, Georgia 1 $ 135,000 $ 135,000 $ 49,000
Bibb, Georgia 1 $ 12,000 $ 12,000 $ 156,000
Camden, Georgia 1 $ 20,000 $ 20,000 $ 92,000
Cobb, Georgia 1 $ 250,000 $ 250,000 $ 423,000
Fulton, Georgia 1 $ 65,000 $ 65,000 $ 117,000
Orleans, Louisiana 1 $ 20,000 $ 20,000 $ 217,000
Allegany, Maryland 1 $ 70,000 $ 70,000 $ 65,000
Anne Arundel, Maryland 1 $ 35,000 $ 35,000 $ 189,000
Harford, Maryland 1 $ 80,000 $ 80,000 $ 144,000
Kent, Maryland 1 $ 35,000 $ 35,000 $ 49,000
St. Mary's, Maryland 1 $ 192,000 $ 192,000 $ 75,000
Bergen, New Jersey 1 $ 547,000 $ 547,000 $ 314,000
Hudson, New Jersey 1 $ 21,000 $ 21,000 $ 128,000
Cortland, New York 1 $ 30,000 $ 30,000 $ 165,000
Greene, New York 1 $ 10,000 $ 10,000 $ 56,000
Kings, New York 1 $ 20,000 $ 20,000 $ 53,000
Nassau, New York 1 $ 30,000 $ 30,000 $ 202,000
Schenectady, New York 1 $ 40,000 $ 40,000 $ 113,000
Steuben, New York 1 $ 25,000 $ 25,000 $ 82,000
Washington, New York 1 $ 15,000 $ 15,000 $ 70,000
Brunswick, North Carolina 1 $ 24,000 $ 24,000 $ 70,000
Burke, North Carolina 1 $ 38,000 $ 38,000 $ 61,000
Cabarrus, North Carolina 1 $ 40,000 $ 40,000 $ 66,000
Dare, North Carolina 1 $ 366,000 $ 366,000 $ 112,000
Davidson, North Carolina 1 $ 60,000 $ 60,000 $ 113,000
Johnston, North Carolina 1 $ 145,000 $ 145,000 $ 103,000
Onslow, North Carolina 1 $ 18,000 $ 18,000 $ 33,000
Polk, North Carolina 1 $ 13,000 $ 13,000 $ 40,000
Highland, Ohio 1 $ 80,000 $ 80,000 $ 6,000
Montgomery, Ohio 1 $ 17,000 $ 17,000 $ 35,000
Berkeley, South Carolina 1 $ 63,000 $ 63,000 $ 16,000
Oconee, South Carolina 1 $ 100,000 $ 100,000 $ 72,000
Richland, South Carolina 1 $ 35,000 $ 35,000 $ 155,000
Cameron, Texas 1 $ 15,000 $ 15,000 $ 65,000
Albemarle, Virginia 1 $ 30,000 $ 30,000 $ 150,000
Alexandria, Virginia 1 $ 16,000 $ 16,000 $ 43,000
Caroline, Virginia 1 $ 37,000 $ 37,000 $ 52,000
Culpeper, Virginia 1 $ 120,000 $ 120,000 $ 32,000
Fairfax, Virginia 1 $ 18,000 $ 18,000 $ 246,000
Falls Church, Virginia 1 $ 417,000 $ 417,000 $ 170,000
Henrico, Virginia 1 $ 5,000 $ 5,000 $ 98,000
Isle of Wight, Virginia 1 $ 30,000 $ 30,000 $ 141,000
Louisa, Virginia 1 $ 15,000 $ 15,000 $ 67,000
Manassas Park, Virginia 1 $ 21,000 $ 21,000 $ 186,000
Pittsylvania, Virginia 1 $ 20,000 $ 20,000 $ 17,000
Pulaski, Virginia 1 $ 20,000 $ 20,000 $ 35,000
Spotsylvania, Virginia 1 $ 38,000 $ 38,000 $ 52,000
Virginia Beach, Virginia 1 $ 71,000 $ 71,000 $ 106,000
Mineral, West Virginia 1 $ 150,000 $ 150,000 $ 80,000
Monongalia, West Virginia 1 $ 46,000 $ 46,000 $ 100,000
Monroe, West Virginia 1 $ 152,000 $ 152,000 $ 59,000
Morgan, West Virginia 1 $ 100,000 $ 100,000 $ 107,000

Mortgage Loan Application Detail Totals for Pennsylvania State Employees Credit Union in 2008

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Improvement 1,880 $52,596,000 $27,000 $235,000 $86,000 $699,000
Refinancing 1,858 $150,539,000 $81,000 $949,000 $84,000 $650,000
Home Purchase 443 $58,096,000 $131,000 $900,000 $74,000 $420,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 3,042 $194,118,000 $63,000 $900,000 $84,000 $699,000
Not Provided 937 $50,522,000 $53,000 $949,000 $84,000 $448,000
Black or African American 114 $8,880,000 $77,000 $547,000 $75,000 $314,000
Hispanic 49 $3,460,000 $70,000 $254,000 $70,000 $190,000
Asian 28 $3,506,000 $125,000 $417,000 $120,000 $420,000
American Indian or Alaskan Native 9 $694,000 $77,000 $288,000 $82,000 $108,000
Native Hawaiian or Other Pacific Islander 2 $51,000 $25,000 $30,000 $46,000 $49,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 4,181 $261,231,000 $62,000 $949,000 $84,000 $699,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 3,075 $171,114,000 $55,000 $417,000 $85,000 $699,000
Application Denied By Financial Institution 462 $38,919,000 $84,000 $949,000 $74,000 $540,000
Application Approved But Not Accepted 227 $8,371,000 $36,000 $400,000 $83,000 $448,000
Application Withdrawn By Applicant 225 $23,789,000 $105,000 $547,000 $92,000 $420,000
File Closed For Incompleteness 135 $11,881,000 $88,000 $900,000 $92,000 $270,000
Preapproval Denied by Financial Institution 57 $7,157,000 $125,000 $366,000 $50,000 $124,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Insufficient Cash (Downpayment, Closing Cost) 1 $97,000 $97,000 $97,000 $41,000 $41,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Pennsylvania State Employees Credit Union's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Pennsylvania State Employees Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet with aggregated HMDA statistics today.

Download the Pennsylvania Lender List