Pennsylvania State Employees Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Pennsylvania State Employees Credit Union 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Pennsylvania State Employees Credit Union Po Box 67013 Harrisburg, PA 17106 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 8,060 |
| Total Mortgage Loan Application Amount | $762,830,000 |
| Average Mortgage Loan Application Amount | $118,400 |
| Highest Mortgage Loan Application Amount | $2,805,000 |
| Average Applicant Income | $110,200 |
| Highest Applicant Income | $7,016,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Pennsylvania State Employees Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Pennsylvania State Employees Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Pennsylvania State Employees Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Pennsylvania State Employees Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Pennsylvania State Employees Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Pennsylvania State Employees Credit Union's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dauphin County Pennsylvania | 934 | $ 83,140,000 | $ 89,000 | $ 117,000 |
| Lancaster County Pennsylvania | 588 | $ 62,050,000 | $ 105,000 | $ 125,000 |
| Cumberland County Pennsylvania | 501 | $ 49,195,000 | $ 98,000 | $ 123,000 |
| York County Pennsylvania | 407 | $ 42,065,000 | $ 103,000 | $ 124,000 |
| Allegheny County Pennsylvania | 345 | $ 35,655,000 | $ 103,000 | $ 122,000 |
| Montgomery County Pennsylvania | 277 | $ 38,725,000 | $ 139,000 | $ 152,000 |
| Schuylkill County Pennsylvania | 269 | $ 20,865,000 | $ 77,000 | $ 101,000 |
| Berks County Pennsylvania | 257 | $ 26,715,000 | $ 103,000 | $ 122,000 |
| Luzerne County Pennsylvania | 217 | $ 16,695,000 | $ 76,000 | $ 113,000 |
| Philadelphia County Pennsylvania | 209 | $ 23,645,000 | $ 113,000 | $ 113,000 |
| Centre County Pennsylvania | 183 | $ 16,035,000 | $ 87,000 | $ 116,000 |
| Westmoreland County Pennsylvania | 181 | $ 15,485,000 | $ 85,000 | $ 108,000 |
| Chester County Pennsylvania | 178 | $ 31,640,000 | $ 177,000 | $ 171,000 |
| Lebanon County Pennsylvania | 165 | $ 13,585,000 | $ 82,000 | $ 113,000 |
| Northumberland County Pennsylvania | 155 | $ 10,955,000 | $ 70,000 | $ 94,000 |
| Lackawanna County Pennsylvania | 145 | $ 10,405,000 | $ 71,000 | $ 108,000 |
| Indiana County Pennsylvania | 143 | $ 10,035,000 | $ 70,000 | $ 92,000 |
| Lehigh County Pennsylvania | 139 | $ 14,205,000 | $ 102,000 | $ 121,000 |
| Lycoming County Pennsylvania | 137 | $ 10,405,000 | $ 75,000 | $ 115,000 |
| Blair County Pennsylvania | 127 | $ 9,555,000 | $ 75,000 | $ 103,000 |
| Northampton County Pennsylvania | 127 | $ 11,695,000 | $ 92,000 | $ 129,000 |
| Perry County Pennsylvania | 123 | $ 9,615,000 | $ 78,000 | $ 101,000 |
| Cambria County Pennsylvania | 119 | $ 7,995,000 | $ 67,000 | $ 86,000 |
| Clearfield County Pennsylvania | 119 | $ 7,805,000 | $ 65,000 | $ 94,000 |
| Bucks County Pennsylvania | 118 | $ 19,820,000 | $ 167,000 | $ 144,000 |
| Delaware County Pennsylvania | 104 | $ 13,830,000 | $ 132,000 | $ 130,000 |
| Huntingdon County Pennsylvania | 100 | $ 8,030,000 | $ 80,000 | $ 86,000 |
| Clinton County Pennsylvania | 93 | $ 7,005,000 | $ 75,000 | $ 99,000 |
| Columbia County Pennsylvania | 92 | $ 6,800,000 | $ 73,000 | $ 109,000 |
| Erie County Pennsylvania | 89 | $ 8,275,000 | $ 92,000 | $ 102,000 |
| Monroe County Pennsylvania | 89 | $ 9,905,000 | $ 111,000 | $ 115,000 |
| Washington County Pennsylvania | 84 | $ 6,690,000 | $ 79,000 | $ 100,000 |
| Fayette County Pennsylvania | 83 | $ 5,865,000 | $ 70,000 | $ 91,000 |
| Mifflin County Pennsylvania | 70 | $ 4,700,000 | $ 67,000 | $ 88,000 |
| Franklin County Pennsylvania | 68 | $ 5,860,000 | $ 86,000 | $ 97,000 |
| Adams County Pennsylvania | 67 | $ 7,365,000 | $ 109,000 | $ 126,000 |
| Butler County Pennsylvania | 60 | $ 5,610,000 | $ 93,000 | $ 126,000 |
| Snyder County Pennsylvania | 60 | $ 5,490,000 | $ 91,000 | $ 110,000 |
| Juniata County Pennsylvania | 58 | $ 4,710,000 | $ 81,000 | $ 81,000 |
| Venango County Pennsylvania | 58 | $ 4,510,000 | $ 77,000 | $ 84,000 |
| Union County Pennsylvania | 55 | $ 5,205,000 | $ 94,000 | $ 115,000 |
| Bedford County Pennsylvania | 47 | $ 3,345,000 | $ 71,000 | $ 74,000 |
| Carbon County Pennsylvania | 47 | $ 4,915,000 | $ 104,000 | $ 107,000 |
| Warren County Pennsylvania | 45 | $ 3,835,000 | $ 85,000 | $ 94,000 |
| Wayne County Pennsylvania | 42 | $ 3,700,000 | $ 88,000 | $ 116,000 |
| Crawford County Pennsylvania | 41 | $ 2,735,000 | $ 66,000 | $ 86,000 |
| Mercer County Pennsylvania | 41 | $ 1,985,000 | $ 48,000 | $ 84,000 |
| Lawrence County Pennsylvania | 40 | $ 3,290,000 | $ 82,000 | $ 104,000 |
| Somerset County Pennsylvania | 40 | $ 3,300,000 | $ 82,000 | $ 91,000 |
| Pike County Pennsylvania | 39 | $ 5,965,000 | $ 152,000 | $ 109,000 |
| Beaver County Pennsylvania | 30 | $ 3,160,000 | $ 105,000 | $ 99,000 |
| Tioga County Pennsylvania | 30 | $ 2,710,000 | $ 90,000 | $ 92,000 |
| Jefferson County Pennsylvania | 26 | $ 2,130,000 | $ 81,000 | $ 80,000 |
| Armstrong County Pennsylvania | 24 | $ 1,700,000 | $ 70,000 | $ 107,000 |
| Clarion County Pennsylvania | 24 | $ 2,030,000 | $ 84,000 | $ 93,000 |
| Susquehanna County Pennsylvania | 23 | $ 2,245,000 | $ 97,000 | $ 90,000 |
| Elk County Pennsylvania | 19 | $ 1,085,000 | $ 57,000 | $ 80,000 |
| Potter County Pennsylvania | 16 | $ 810,000 | $ 50,000 | $ 70,000 |
| Cameron County Pennsylvania | 14 | $ 730,000 | $ 52,000 | $ 82,000 |
| McKean County Pennsylvania | 14 | $ 520,000 | $ 37,000 | $ 100,000 |
| Wyoming County Pennsylvania | 13 | $ 1,355,000 | $ 104,000 | $ 111,000 |
| Montour County Pennsylvania | 12 | $ 870,000 | $ 72,000 | $ 113,000 |
| Bradford County Pennsylvania | 10 | $ 730,000 | $ 73,000 | $ 61,000 |
| Greene County Pennsylvania | 8 | $ 420,000 | $ 52,000 | $ 88,000 |
| Sullivan County Pennsylvania | 8 | $ 500,000 | $ 62,000 | $ 112,000 |
| Forest County Pennsylvania | 7 | $ 435,000 | $ 62,000 | $ 118,000 |
| Fulton County Pennsylvania | 7 | $ 495,000 | $ 70,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Pennsylvania State Employees Credit Union in 2023
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 3,236 | $228,440,000 | $70,000 | $2,805,000 | $111,000 | $1,100,000 |
| Home Improvement | 2,813 | $175,005,000 | $62,000 | $725,000 | $122,000 | $7,016,000 |
| Home Purchase | 1,296 | $268,150,000 | $206,000 | $1,205,000 | $116,000 | $550,000 |
| Cash-out Refinancing | 360 | $56,890,000 | $158,000 | $965,000 | $104,000 | $1,310,000 |
| Refinancing | 355 | $34,345,000 | $96,000 | $615,000 | $98,000 | $805,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 6,492 | $594,000,000 | $91,000 | $2,805,000 | $113,000 | $1,310,000 |
| Not Provided | 797 | $77,755,000 | $97,000 | $685,000 | $120,000 | $929,000 |
| Black or African American | 375 | $34,055,000 | $90,000 | $605,000 | $117,000 | $7,016,000 |
| Hispanic | 211 | $20,895,000 | $99,000 | $525,000 | $106,000 | $318,000 |
| Asian | 89 | $18,265,000 | $205,000 | $825,000 | $148,000 | $532,000 |
| American Indian or Alaskan Native | 40 | $3,360,000 | $84,000 | $465,000 | $115,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $94,000 | $94,000 |
| 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) | 8,060 | $762,830,000 | $94,000 | $2,805,000 | $114,000 | $7,016,000 |
| 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 | 5,285 | $511,175,000 | $96,000 | $1,205,000 | $119,000 | $929,000 |
| Application Denied By Financial Institution | 1,386 | $118,330,000 | $85,000 | $2,805,000 | $97,000 | $1,310,000 |
| Application Withdrawn By Applicant | 740 | $81,780,000 | $110,000 | $895,000 | $112,000 | $1,100,000 |
| Application Approved But Not Accepted | 344 | $25,150,000 | $73,000 | $515,000 | $108,000 | $359,000 |
| File Closed For Incompleteness | 305 | $26,395,000 | $86,000 | $965,000 | $133,000 | $7,016,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 6,674 | $644,500,000 | $96,000 | $1,205,000 | $118,000 | $7,016,000 |
| Credit History | 771 | $53,555,000 | $69,000 | $2,805,000 | $104,000 | $805,000 |
| Debt-To-Income Ratio | 392 | $41,340,000 | $105,000 | $665,000 | $68,000 | $271,000 |
| Collateral | 162 | $16,130,000 | $99,000 | $525,000 | $131,000 | $1,080,000 |
| Other | 36 | $3,660,000 | $101,000 | $355,000 | $118,000 | $1,310,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $2,455,000 | $144,000 | $275,000 | $83,000 | $150,000 |
| Unverifiable Information | 6 | $1,070,000 | $178,000 | $445,000 | $91,000 | $220,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $110,000 | $110,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pennsylvania State Employees Credit Union's 2023 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.