Applications / Mortgage Analytics / Lenders / Pennsylvania / First Commonwealth Bank
Indiana, PA · State non-member bank · FDIC · $12.3 billion assets · 4,683 loans in 2025
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4,683
loans originated, 2025
7,579
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Commonwealth Bank, a Pennsylvania bank with long-held places in Pittsburgh and Canton-Massillon, grew its originations 34% in 2025, faster than most similar banks, while making much smaller loans than they do.
Originations rose 34% to 4,683, higher than about four in five similar lenders (state non-member banks making between half and twice as many loans), whose typical growth was 13%, against 10% for the whole market. It is still well below 8,187 loans in 2020.
Its typical loan was $105,000, the lowest among similar lenders, where it is $235,000, so its dollar total of $767.0 million is lower than about four in five of them. Home-improvement loans were 26.3% of its lending and other purposes 16.3%, against 30.9% for purchase: many small loans to existing homeowners.
Low- and moderate-income (LMI) borrowers took 38.5% of its loans, against 28.9% at peers, higher than nearly nine in ten, and up from 28.7% five years before. Only 2.4% of loans were in majority-minority tracts, against 14.4%, among the lowest few, and its LMI-tract share of 14.8% is in the lower third. Its western Pennsylvania and Ohio footprint and small loans to existing owners are possible reasons.
It ranks 13 of 571 in Pittsburgh with an unchanged 2.0% share and 7 of 297 in Canton-Massillon, where its share rose to 2.7% from 2.6%. Only 0.4% of its loans were higher-priced (a rate well above the average for similar loans), against 1.4% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Commonwealth Bank took 7,579 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 30.9% · Refinance 26.5% · Home improvement 26.3% · Other 16.3%
Conventional 95.3% · FHA 3.1% · USDA (RHS or FSA) 0.8% · VA 0.7% · of 4,683 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 | 3,232 | 69.0% |
| Ohio | 1,397 | 29.8% |
| Kentucky | 18 | 0.4% |
| Florida | 12 | 0.3% |
| Indiana | 5 | 0.1% |
| North Carolina | 3 | 0.1% |
| West Virginia | 3 | 0.1% |
| Georgia | 2 | 0.0% |
| Illinois | 2 | 0.0% |
| Minnesota | 2 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 1,680 |
| Canton-Massillon | 382 |
| Columbus | 358 |
| Johnstown | 296 |
| Cincinnati | 187 |
| Altoona | 169 |
| Akron | 158 |
| Cleveland | 135 |
| Williamsport | 109 |
| Youngstown-Warren | 70 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | VN1JLT1F3FLLVN3FZG89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 42420 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 37468 | 1996–2017 |
Established 21 September 1880. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: First Commonwealth Bank's data.
First Commonwealth Bank's data
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