# PENNSYLVANIA STATE EMPLOYEES Credit Union

> **Canonical URL:** https://saferate.com/lenders/pennsylvania-state-employees-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

PENNSYLVANIA STATE EMPLOYEES Credit Union is a credit union, headquartered in Harrisburg, PA, with 1,129 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300PT6CCDYU4VHM41
- **Headquarters:** Harrisburg, PA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** PA
- **Markets (MSAs):** 17
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.101%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $573
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,129
- **Dollar Volume:** $278 million
- **Applications Received:** 1,491
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $246,515
- **Average Borrower Income:** $127,173

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 1,105 | -0.089% | $572 | Strong 😀 |
| Jumbo | 69/100 | 24 | -0.610% | $647 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 864 loans, Score: 76/100 (Strong)
- Refinance: 241 loans, Score: 75/100 (Strong)

**Jumbo:**
- Purchase: 24 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 74/100 | 888 | $240M | -0.114% | Strong 😀 |
| Refinance | 73/100 | 241 | $39M | -0.048% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 1,129 | 0.93% | 91/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 269 | 66/100 |
| Harrisburg | PA | 224 | 94/100 |
| Pittsburgh, PA | PA | 124 | 74/100 |
| Montgomery County | PA | 83 | 70/100 |
| Lancaster, PA | PA | 80 | 78/100 |
| Lebanon, PA | PA | 73 | 84/100 |
| York | PA | 46 | 62/100 |
| Philadelphia, PA | PA | 37 | 58/100 |
| Scranton | PA | 37 | 62/100 |
| Allentown | PA-NJ | 36 | 60/100 |
| Williamsport, PA | PA | 23 | 61/100 |
| Reading, PA | PA | 22 | 53/100 |
| State College, PA | PA | 19 | 57/100 |
| Chambersburg, PA | PA | 16 | 53/100 |
| Erie, PA | PA | 12 | 44/100 |

## Frequently Asked Questions

### What loan types does PENNSYLVANIA STATE EMPLOYEES Credit Union offer?

PENNSYLVANIA STATE EMPLOYEES Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PENNSYLVANIA STATE EMPLOYEES Credit Union offer mortgages?

PENNSYLVANIA STATE EMPLOYEES Credit Union offers mortgages in 1 states: PA.

### How competitive are PENNSYLVANIA STATE EMPLOYEES Credit Union's mortgage rates?

PENNSYLVANIA STATE EMPLOYEES Credit Union has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.101% below market average.

### What type of lender is PENNSYLVANIA STATE EMPLOYEES Credit Union?

PENNSYLVANIA STATE EMPLOYEES Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Harrisburg, PA.

### What is PENNSYLVANIA STATE EMPLOYEES Credit Union's loan approval success rate?

PENNSYLVANIA STATE EMPLOYEES Credit Union has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-30
**Canonical URL:** https://saferate.com/lenders/pennsylvania-state-employees-credit-union

### How to Cite

> "PENNSYLVANIA STATE EMPLOYEES Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pennsylvania-state-employees-credit-union

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