PlainLender

Frick Tri County FCU

UNIONTOWN, PA

Frick Tri County FCU processed 105 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 84 loans with a 20.0% denial rate. Home Improvement was the primary loan purpose. Based in UNIONTOWN, PA. The approval rate of 80.0% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Frick Tri County FCU's 80.0% origination rate tells you how often an application turned into funded money; the 20.0% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (105 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

105
Applications
84
Originated
20.0%
Denial Rate
$64,905
Avg Loan Amount
Avg Interest Rate: 7.922% Avg Applicant Income: $31,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 105 84 21 $64,905

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Frick Tri County FCU (LEI: 549300Z6CULHNPDHYI25) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
12
Debt-to-income ratio
10
Collateral
4
Employment history
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Improvement 37 30 $37,703
Home Purchase 24 18 $101,250
Cash-out Refinancing 18 14 $91,667
Other 18 16 $40,556
Refinancing 8 6 $76,250

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 98 81.6% 18.4%
Black or African American * 3 33.3% 66.7%
Asian * 2 100.0% 0.0%
Joint * 2 50.0% 50.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 105 80.0% 20.0%

Nearby Lenders in PA

Other HMDA-reporting lenders in PA with similar activity. Compare any two side-by-side.

Newrez LLC

FORT WASHINGTON, PA

248,242 apps 52,121 originated 11.5% denied

Pnc Bank N.A.

Pittsburgh, PA

127,108 apps 56,830 originated 25.4% denied

Spring Eq, LLC

RADNOR, PA

104,263 apps 31,186 originated 54.8% denied

Nvr Mortgage Finance, INC.

PITTSBURGH, PA

23,698 apps 17,311 originated 17.1% denied

First National Bank of PA

PITTSBURGH, PA

22,946 apps 13,057 originated 25.0% denied
Compare Frick Tri County FCU vs Newrez LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Frick Tri County FCU process?
Frick Tri County FCU processed 105 mortgage applications in the 2024 HMDA reporting year. Of these, 84 were originated (approved and funded), and 21 were denied.
What is Frick Tri County FCU's mortgage approval rate?
Frick Tri County FCU has an approval (origination) rate of 80.0%, meaning 80.0% of all applications resulted in a funded mortgage. The denial rate is 20.0%.
What is the average loan amount at Frick Tri County FCU?
The average mortgage loan amount at Frick Tri County FCU is $64,905. The average interest rate is 7.922%. The average applicant income is $31,000.
What are the most common reasons for mortgage denial at Frick Tri County FCU?
The most common reasons for mortgage denial at Frick Tri County FCU are: Credit history, Debt-to-income ratio, Collateral. In total, 21 applications were denied out of 105 total applications.
What types of mortgage loans does Frick Tri County FCU offer?
Frick Tri County FCU processes Conventional loans. The most common type is Conventional with 105 applications and an average loan amount of $64,905.
What loan purposes does Frick Tri County FCU serve?
Frick Tri County FCU serves the following loan purposes: Home Improvement (37 applications), Home Purchase (24 applications), Cash-out Refinancing (18 applications), Other (18 applications), Refinancing (8 applications). Home Improvement is the most common purpose.
Where is Frick Tri County FCU located?
Frick Tri County FCU is headquartered in UNIONTOWN, PA. The lender is identified by LEI 549300Z6CULHNPDHYI25 in HMDA data.
How does Frick Tri County FCU compare in lending across racial demographics?
Frick Tri County FCU reports demographic lending data under HMDA requirements. White applicants have an approval rate of 81.6% and denial rate of 18.4%; Black or African American applicants have an approval rate of 33.3% and denial rate of 66.7%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.