Applications / Mortgage Analytics / Lenders / Pennsylvania / Allentown Federal Credit Union
Road Town, PA · Credit union · NCUA · 169 loans in 2025
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169
loans originated, 2025
173
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Allentown Federal Credit Union, which first reported in 2024, lends to people who already own their homes: refinances and home improvement made up nearly all of its 169 loans in 2025.
Refinances took 69.2% of its loans and home improvement 26.0%. Purchases were just 2.4%. Every loan was conventional, and none was for a manufactured home. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans).
Borrowers with low and moderate incomes (LMI) took 36.1% of its loans, against 28.5% at similar lenders, more than at about seven in ten of them. Its share in LMI neighborhoods was lower, 12.4% against 17.3%, below about three-quarters of its peers. With 169 loans across eight counties, the neighborhoods where its members live could account for that.
It ranked 61 of 521 lenders in Allentown-Bethlehem-Easton, NJ-PA, with 0.4% of lending in both 2024 and 2025. CrossCountry Mortgage led.
Its loans rose 4%, from 162 to 169, while similar lenders grew by 7% and the whole market by 10%. With only two years of reports, its record is too short to read much into.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Allentown Federal Credit Union took 173 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 69.2% · Home improvement 26.0% · Other 2.4% · Purchase 2.4%
Conventional 100.0% · of 169 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 | 169 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Allentown-Bethlehem-Easton | 153 |
| Montgomery County-Bucks County-Chester County | 4 |
| Reading | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FMHABGSWFKHL19 | 2024–2025 |
Established 26 August 2020. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Allentown Federal Credit Union's data.
Allentown Federal Credit Union's data
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Allentown 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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