Applications / Mortgage Analytics / Lenders / Pennsylvania / First Commonwealth Federal Credit Union
Allentown, PA · Credit union · NCUA · $1.5 billion assets · 984 loans in 2025
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984
loans originated, 2025
1,482
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Commonwealth Federal Credit Union is an Allentown credit union making small loans, a larger share of them to LMI (low- and moderate-income) borrowers and areas than most similar lenders, ranking 11 of 521 lenders at home.
LMI borrowers took 33.3% of its loans, against 27.8% at similar lenders (credit unions making between half and twice as many loans), higher than about four in five peers and up from 24.9% five years before. LMI areas took 19.9%, against 15.0%, higher than more than four in five.
Its typical loan was $75,000, against $105,000 at similar lenders, among the lowest tenth. Refinances were 32.8% of its lending, other-purpose loans 27.8%, home improvement 22.8% and purchases 16.6%; every loan was conventional.
In Allentown-Bethlehem-Easton, where it has lent since before 1990, its share fell 0.3 points to 1.8%; CrossCountry Mortgage and Rocket Mortgage led. In Reading its share fell to 0.8%, ranking 32 of 365. Its dollar volume was flat at $131.5 million while the whole market grew 10%, so its share fell as markets grew around it; small loans are one possible reason its dollars grow slowly.
Originations fell 13% to 984 from 1,135, while similar lenders grew 8%; they were 848 five years before. One possible reason is lower demand for the refinance, other-purpose and home-improvement loans that make up most of its lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Federal Credit Union took 1,482 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 32.8% · Other 27.8% · Home improvement 22.8% · Purchase 16.6%
Conventional 100.0% · of 984 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 | 943 | 95.8% |
| New Jersey | 40 | 4.1% |
| Florida | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Allentown-Bethlehem-Easton | 725 |
| Reading | 153 |
| Montgomery County-Bucks County-Chester County | 16 |
| Philadelphia | 7 |
| Lancaster | 5 |
| Lebanon | 4 |
| Newark | 3 |
| Scranton--Wilkes-Barre | 3 |
| Lakewood-New Brunswick | 2 |
| New York-Jersey City-White Plains | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q9TCZDLU48CG18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 164685 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512765 | 1990–2017 |
Established 1 January 1959. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Commonwealth Federal Credit Union's data.
First Commonwealth Federal Credit Union's data
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First Commonwealth Federal Credit Union 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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