PlainLender

Pheple FCU

Greensburg, PA

Pheple FCU processed 100 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 77 loans with a 14.0% denial rate. Home Improvement was the primary loan purpose. Based in Greensburg, PA. The approval rate of 77.0% 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Pheple FCU's 77.0% origination rate tells you how often an application turned into funded money; the 14.0% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Other, Credit application incomplete, which together explain the majority of rejections. Most activity concentrated in Conventional loans (100 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.

100
Applications
77
Originated
14.0%
Denial Rate
$56,400
Avg Loan Amount
Avg Interest Rate: 7.675% Avg Applicant Income: $31,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 100 77 14 $56,400

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Pheple FCU (LEI: 5493003IFQ2Y89ZUY019) · 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 Approval rates exclude withdrawn / incomplete applications.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
7
Other
4
Credit application incomplete
3
Debt-to-income ratio
2
Insufficient cash
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Improvement 50 38 $45,200
Other 29 22 $47,069
Refinancing 14 11 $65,714
Home Purchase 7 6 $156,429

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 96 78.1% 13.5%
Black or African American * 2 50.0% 0.0%

* 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 95 76.8% 13.7%
Hispanic or Latino * 1 100.0% 0.0%
Joint * 1 100.0% 0.0%

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

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 Pheple FCU vs Newrez LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Pheple FCU process?
Pheple FCU processed 100 mortgage applications in the 2024 HMDA reporting year. Of these, 77 were originated (approved and funded), 8 were withdrawn by the applicant, and 14 were denied.
What is Pheple FCU's mortgage approval rate?
Pheple FCU has an approval (origination) rate of 77.0%, meaning 77.0% of all applications resulted in a funded mortgage. The denial rate is 14.0%.
What is the average loan amount at Pheple FCU?
The average mortgage loan amount at Pheple FCU is $56,400. The average interest rate is 7.675%. The average applicant income is $31,000.
What are the most common reasons for mortgage denial at Pheple FCU?
The most common reasons for mortgage denial at Pheple FCU are: Credit history, Other, Credit application incomplete. In total, 14 applications were denied out of 100 total applications.
What types of mortgage loans does Pheple FCU offer?
Pheple FCU processes Conventional loans. The most common type is Conventional with 100 applications and an average loan amount of $56,400.
What loan purposes does Pheple FCU serve?
Pheple FCU serves the following loan purposes: Home Improvement (50 applications), Other (29 applications), Refinancing (14 applications), Home Purchase (7 applications). Home Improvement is the most common purpose.
Where is Pheple FCU located?
Pheple FCU is headquartered in Greensburg, PA. The lender is identified by LEI 5493003IFQ2Y89ZUY019 in HMDA data.
How does Pheple FCU compare in lending across racial demographics?
Pheple FCU reports demographic lending data under HMDA requirements. White applicants have an approval rate of 78.1% and denial rate of 13.5%; Black or African American applicants have an approval rate of 50.0% 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.