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PENNSYLVANIA STATE EMPLOYEES Credit Union

Credit Union•Harrisburg, PAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from PENNSYLVANIA STATE EMPLOYEES Credit Union — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Single State · 16 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate 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

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Report Card

PENNSYLVANIA STATE EMPLOYEES Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 10.1 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 17 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume1,105
Mix97.9%
Spread
-0.089%Below
Fees
$572Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume24
Mix2.1%
Spread
-0.610%Below
Fees
$647Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume888
Mix78.7%
Spread
-0.114%Below
Fees
$618Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume241
Mix21.3%
Spread
-0.048%Below
Fees
$402Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,129
Applications
1,491
Volume
$278 million
Pricing & Closing
Avg Rate Spread
-0.101%
vs. market APOR
Avg Net Fees
$573
Origination − Credits
Pullthrough Rate
75.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$246,515
Avg Borrower Income
$127,173
Avg Property Value
$329,854

Geographic Coverage

Geographic Performance

Metro Areas
16
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA

Top Metro Areas by Place Specialization Score

1© Jeffrey Hayes · CC BY 2.0
Harrisburg, PAMetro
Volume 224Mix 19.84% of portfolio
94/100
Exceptional
2© Mr. Matté · CC BY-SA 4.0
Lebanon, PAMetro
Volume 73Mix 6.47% of portfolio
84/100
Exceptional
3© Randolph Carney · CC BY-SA 3.0
Lancaster, PAMetro
Volume 80Mix 7.09% of portfolio
78/100
Strong
4© Dan Gaken · CC BY 2.0
Pittsburgh, PAMetro
Volume 124Mix 10.98% of portfolio
74/100
Strong
5© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 83Mix 7.35% of portfolio
70/100
Strong
6© Smallbones · CC0
York, PAMetro
Volume 46Mix 4.07% of portfolio
62/100
Strong
7© David Chesek · Public domain
Scranton, PAMetro
Volume 37Mix 3.28% of portfolio
62/100
Strong
8© Doug Kerr from Albany, NY, United States · CC BY-SA 2.0
Williamsport, PAMetro
Volume 23Mix 2.04% of portfolio
61/100
Strong
9© Paul Leiby · CC BY 3.0
Allentown, PA-NJMetro
Volume 36Mix 3.19% of portfolio
60/100
Strong
10© 颐园居 · CC BY-SA 4.0
Philadelphia, PAMetro
Volume 37Mix 3.28% of portfolio
58/100
Sound
Showing 10 of 16 metro areas

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 1,129Mix 100.00% of portfolio
91/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.