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PENNSYLVANIA STATE EMPLOYEES Credit Union
Credit Union|Harrisburg, PA|Single State
Loans Originated
1,129
Applications
1,491
Volume
$278 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.101%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$573
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 10.10 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Report Card
PENNSYLVANIA STATE EMPLOYEES Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Single State · 17 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$246,515
Average Borrower Income
$127,173
Average Property Value
$329,854
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Strong | 1,105 | 97.9% | -0.089% | $572 |
Jumbo Loans | Strong | Strong | Exceptional | Strong | 24 | 2.1% | -0.610% | $647 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Strong | 888 | 78.7% | -0.114% | $618 |
Refinance | Strong | Strong | Exceptional | Strong | 241 | 21.3% | -0.048% | $402 |
Geographic Coverage
Metro Areas
16
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
PA
Top Metro Areas by Place Specialization Score
1
Harrisburg, PAMSA
Volume: 224Mix: 19.84%
Place Specialization
Exceptional
2
Lebanon, PA, PAMSA
Volume: 73Mix: 6.47%
Place Specialization
Exceptional
3
Lancaster, PA, PAMSA
Volume: 80Mix: 7.09%
Place Specialization
Strong
4
Pittsburgh, PA, PAMSA
Volume: 124Mix: 10.98%
Place Specialization
Strong
5
Montgomery County, PAMSA
Volume: 83Mix: 7.35%
Place Specialization
Strong
6
York, PAMSA
Volume: 46Mix: 4.07%
Place Specialization
Strong
7
Scranton, PAMSA
Volume: 37Mix: 3.28%
Place Specialization
Strong
8
Williamsport, PA, PAMSA
Volume: 23Mix: 2.04%
Place Specialization
Strong
9
Allentown, PA-NJMSA
Volume: 36Mix: 3.19%
Place Specialization
Strong
10
Philadelphia, PA, PAMSA
Volume: 37Mix: 3.28%
Place Specialization
Sound
Showing 10 of 16 metro areas
Top States by Place Specialization Score
1
PAState
Volume: 1,129Mix: 100.00%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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