# PHILADELPHIA FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/philadelphia-federal-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

PHILADELPHIA FEDERAL CREDIT UNION is a credit union, headquartered in Philadelphia, PA, serving borrowers across 4 states, with 189 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 26% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300DYB1ZT3UOGPL20
- **Headquarters:** Philadelphia, PA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** DE, FL, NJ, PA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.159%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $722
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 189
- **Dollar Volume:** $58 million
- **Applications Received:** 293
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $304,788
- **Average Borrower Income:** $179,138

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 187 | +0.149% | $670 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 136 loans, Score: 52/100 (Sound)
- Refinance: 51 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 138 | $46M | +0.134% | Sound ☺️ |
| Refinance | 51/100 | 51 | $12M | +0.308% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 101 | 0.08% | 68/100 |
| NJ | 81 | 0.09% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlantic City | NJ | 74 | 80/100 |
| Philadelphia, PA | PA | 68 | 72/100 |
| Montgomery County | PA | 19 | 53/100 |
| Non |  | 11 | 24/100 |

## Frequently Asked Questions

### What loan types does PHILADELPHIA FEDERAL CREDIT UNION offer?

PHILADELPHIA FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PHILADELPHIA FEDERAL CREDIT UNION offer mortgages?

PHILADELPHIA FEDERAL CREDIT UNION offers mortgages in 4 states: DE, FL, NJ, PA.

### How competitive are PHILADELPHIA FEDERAL CREDIT UNION's mortgage rates?

PHILADELPHIA FEDERAL CREDIT UNION has a pricing score of 74/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.159% above market average.

### What type of lender is PHILADELPHIA FEDERAL CREDIT UNION?

PHILADELPHIA FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Philadelphia, PA.

### What is PHILADELPHIA FEDERAL CREDIT UNION's loan approval success rate?

PHILADELPHIA FEDERAL CREDIT UNION has a pull-through score of 47/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/philadelphia-federal-credit-union

### How to Cite

> "PHILADELPHIA FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/philadelphia-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/philadelphia-federal-credit-union)**