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Tri County Area FCU

Pottstown, PA

Tri County Area FCU processed 164 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 137 loans with a 0.0% denial rate. Other was the primary loan purpose. Based in Pottstown, PA. The approval rate of 83.5% 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Tri County Area FCU's 83.5% origination rate tells you how often an application turned into funded money; the 0.0% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (164 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.

164
Applications
137
Originated
0.0%
Denial Rate
$78,902
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 164 137 0 $78,902

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Tri County Area FCU (LEI: 549300W6S818WBYBBJ66) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 74 63 $77,162
Home Improvement 64 48 $55,781
Refinancing 26 26 $140,769

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 145 83.5% 0.0%
Black or African American * 6 83.3% 0.0%
Joint * 3 100.0% 0.0%
Asian * 1 0.0% 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 149 84.6% 0.0%
Hispanic or Latino * 2 50.0% 0.0%
Joint * 1 0.0% 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 Tri County Area FCU vs Newrez LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Tri County Area FCU process?
Tri County Area FCU processed 164 mortgage applications in the 2024 HMDA reporting year. Of these, 137 were originated (approved and funded), 27 were withdrawn by the applicant, and 0 were denied.
What is Tri County Area FCU's mortgage approval rate?
Tri County Area FCU has an approval (origination) rate of 83.5%, meaning 83.5% of all applications resulted in a funded mortgage. The denial rate is 0.0%.
What is the average loan amount at Tri County Area FCU?
The average mortgage loan amount at Tri County Area FCU is $78,902.
What types of mortgage loans does Tri County Area FCU offer?
Tri County Area FCU processes Conventional loans. The most common type is Conventional with 164 applications and an average loan amount of $78,902.
What loan purposes does Tri County Area FCU serve?
Tri County Area FCU serves the following loan purposes: Other (74 applications), Home Improvement (64 applications), Refinancing (26 applications). Other is the most common purpose.
Where is Tri County Area FCU located?
Tri County Area FCU is headquartered in Pottstown, PA. The lender is identified by LEI 549300W6S818WBYBBJ66 in HMDA data.
How does Tri County Area FCU compare in lending across racial demographics?
Tri County Area FCU reports demographic lending data under HMDA requirements. White applicants have an approval rate of 83.5% and denial rate of 0.0%; Black or African American applicants have an approval rate of 83.3% and denial rate of 0.0%; Joint 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.