PHEPLE Federal Credit Union
PHEPLE Federal Credit Union received 155 applications in 2025 and made 120 mortgages, in 5 counties across 1 state. The median rate its borrowers got was 6.825% on a median loan of $65,000. Of 130 decisions, 9 were denials — 6.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493003IFQ2Y89ZUY019 |
|---|---|
| Applications received | 155 |
| Mortgages made | 120 |
| Denied | 9 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.605 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 12 | 6.813% | $135,000 | 0.0% |
| Refinancing | 34 | 6.770% | $75,000 | 8.1% |
| Other purposes | 74 | 6.870% | $50,000 | 7.4% |
Where PHEPLE Federal Credit Union lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Westmoreland County, PA | 114 | 6.750% | 5.0% |
| Allegheny County, PA | 4 | Under 10 loans | 42.9% |
| Fayette County, PA | 1 | Under 10 loans | 0.0% |
| Indiana County, PA | 1 | Under 10 loans | 0.0% |
| Washington County, PA | 0 | Under 10 loans | Not published |
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When PHEPLE Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.