Applications / Mortgage Analytics / Lenders / Pennsylvania / APCI Federal Credit Union
Allentown, PA · Credit union · NCUA · $687 million assets · 168 loans in 2025
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168
loans originated, 2025
212
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
APCI Federal Credit Union, of Allentown, lends almost entirely to people who already own their homes: purchases were only 1.8% of its loans.
Refinances made up 48.8% of its loans, home improvement 32.1% and other purposes 17.3%. Its typical loan was $115,000, up from $75,000 in 2024 and near the middle of similar lenders (credit unions making between half and twice as many loans), where it was $105,000.
Originations fell 3% to 168, while similar lenders grew 7% and the whole market 10%. Because its loans were larger, the total lent still rose, to $32.7 million from $24.2 million.
It ranked 71 of 521 lenders in Allentown-Bethlehem-Easton, its market since 1998, and its share rose 0.1 points to 0.3%. CrossCountry Mortgage and Rocket Mortgage lead there. Its loans reached 24 states and 43 metros, but it is a small lender everywhere else.
Low- and moderate-income (LMI) borrowers took 14.3% of its loans and LMI neighborhoods 7.7%, against 28.8% and 17.3% at similar lenders; both shares were among the lowest tenth. Its mix may be one reason, since refinance and home-improvement loans go to people who already own homes. The borrower share has risen from 9.2% in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. APCI Federal Credit Union took 212 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.8% · Home improvement 32.1% · Other 17.3% · Purchase 1.8%
Conventional 100.0% · of 168 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 | 116 | 69.0% |
| Florida | 7 | 4.2% |
| Texas | 6 | 3.6% |
| California | 4 | 2.4% |
| Louisiana | 4 | 2.4% |
| New Jersey | 4 | 2.4% |
| Arizona | 3 | 1.8% |
| Georgia | 3 | 1.8% |
| Alabama | 2 | 1.2% |
| Colorado | 2 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Allentown-Bethlehem-Easton | 84 |
| Montgomery County-Bucks County-Chester County | 9 |
| Reading | 8 |
| Houston-Pasadena-The Woodlands | 5 |
| Phoenix-Mesa-Chandler | 3 |
| Anaheim-Santa Ana-Irvine | 2 |
| Fort Lauderdale-Pompano Beach-Sunrise | 2 |
| Lakewood-New Brunswick | 2 |
| Lancaster | 2 |
| New Orleans-Metairie | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002QP2ONO47G5R24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 84989 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59607 | 1998–2017 |
Established 1 January 1954. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: APCI Federal Credit Union's data.
APCI Federal Credit Union's data
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APCI 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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