Applications / Mortgage Analytics / Lenders / Pennsylvania / Westmoreland Federal Savings and Loan Association
Latrobe, PA · Savings institution · OCC · $167 million assets · 50 loans in 2025
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50
loans originated, 2025
57
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Westmoreland Federal Savings and Loan Association is a small four-county lender whose 50 loans in 2025 were a rebound from 38, but well below the 113 it made in 2020.
Loans rose 32% in 2025, while the typical similar lender (savings institutions making between half and twice as many loans) was flat and the whole market rose 10%. The longer trend runs the other way: 113 loans in 2020, 42 in 2023. At these volumes a handful of loans moves the growth figure.
Its typical loan was $170,000, against $245,000 for peers, and its total of $11.0 million was lower than about four in five similar lenders. Lower house prices where it lends, or a focus on modest homes, could explain this.
LMI (low- and moderate-income) borrowers took 26.5% of its loans, near the middle of its peers. Its share in LMI areas, 12.0%, was lower than about seven in ten peers, and it made no loans in majority-minority areas. With four counties and 50 loans, this may reflect the areas it serves, and such small counts move easily.
All its lending is in one metro, Pittsburgh, where it has lent since before 1990 and ranks 129 of 571, with a share of 0.1%, unchanged from 2024.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Westmoreland Federal Savings and Loan Association took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.0% · Home improvement 14.0% · Refinance 12.0% · Other 10.0%
Conventional 100.0% · of 50 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 50 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 50 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I1IE35O2I0WT71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 188177 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45537 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1705537 | 2011–2017 |
Established 12 March 1952. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Westmoreland Federal Savings and Loan Association's data.
Westmoreland Federal Savings and Loan Association's data
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Westmoreland Federal Savings and Loan Association and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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