Applications / Mortgage Analytics / Lenders / Pennsylvania / People First Federal Credit Union
Allentown, PA · Credit union · NCUA · $999 million assets · 531 loans in 2025
People First Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
531
loans originated, 2025
955
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
People First Federal Credit Union is an Allentown credit union making small loans, mostly for home improvement and refinancing, and holds 1.0% of the Allentown-Bethlehem-Easton market.
Home improvement made up 34.1% of its loans, refinances 28.2%, other purposes 20.5% and purchases 17.1%. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), among the smallest of them. That may reflect its many home-improvement and other-purpose loans, which are often smaller than first mortgages.
It made 531 loans, 1% more than in 2024, against 6% growth at similar lenders and 10% for the whole market. Its count rose from 185 in 2020 to 526 in 2022 and has stayed near that level since.
In Allentown-Bethlehem-Easton it ranked 26 of 521 lenders with 1.0% of the market, down from 1.1%; CrossCountry Mortgage, Rocket Mortgage and United Wholesale Mortgage led. Its share may have eased because the market grew while its own dollar volume dipped, to $57.6 million from $59.2 million. In 2025 it first lent in Brunswick-St. Simons, Fort Collins-Loveland and Columbus, each with a very small share.
LMI (low- and moderate-income) borrowers took 27.9% of its loans, against 27.3% at similar lenders, and LMI areas 16.8%, against 15.2%. Majority-minority areas took 10.5%, near its peers' 10.8%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. People First Federal Credit Union took 955 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 34.1% · Refinance 28.2% · Other 20.5% · Purchase 17.1%
Conventional 100.0% · of 531 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 | 521 | 98.1% |
| New Jersey | 6 | 1.1% |
| Ohio | 2 | 0.4% |
| Colorado | 1 | 0.2% |
| Georgia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Allentown-Bethlehem-Easton | 476 |
| Reading | 12 |
| Montgomery County-Bucks County-Chester County | 10 |
| Philadelphia | 4 |
| Camden | 2 |
| Harrisburg-Carlisle | 2 |
| Pittsburgh | 2 |
| York-Hanover | 2 |
| Brunswick-St. Simons | 1 |
| Cincinnati | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007ZNQ6MSZ2J3966 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 335382 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56885 | 1990–2017 |
Established 1 January 1950. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: People First Federal Credit Union's data.
People First Federal Credit Union's data
$215
People First 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.
Buy People First Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]