Local Banks in Philly

[Amber McGill]

Hey everyone, I'm new to the Philly area and looking to get started with a FHA loan from a local bank or credit union. My credit needs some improvements, but it's not terrible (my utilization is killing it). Does anyone know of any local banks or credit unions that base mortgage of income and not credit? I was a member of one in NC, but I can't use it here so I'm curious if a similar option is available in this area. Thanks in advance!