Applications / Mortgage Analytics / Lenders / Pennsylvania / FIRST Capital Federal Credit Union
York, PA · Credit union · NCUA · $369 million assets · 335 loans in 2025
FIRST Capital Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
335
loans originated, 2025
517
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FIRST Capital Federal Credit Union, of York, Pennsylvania, makes small loans for home improvement and refinancing, and lends to modest earners more than almost all similar credit unions.
Home improvement made up 36.1% of its loans, refinances 29.3% and other purposes 28.4%. Purchases were just 6.3%. 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. Home-improvement and other-purpose loans tend to be small, which may explain much of that.
Low- and moderate-income (LMI) borrowers received 46.3% of its loans, against 27.5% at similar lenders. LMI neighborhoods received 21.1%, against 15.6%, more than at about four in five of them. Majority-minority areas took 15.3%, up from 8.5%.
It has lent in York-Hanover since 1995 and ranks 31 of 379 lenders there, with an unchanged 0.9% share. ACNB Bank and Members 1st Federal Credit Union lead. Its loans reach only 2 counties.
It made 335 loans, up 5% from 320, while similar lenders grew 7%. Its typical rate was 5.99%, against 6.99%, lower than at about nine in ten of them. Its weight in home-improvement and other loans may explain that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Capital Federal Credit Union took 517 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.1% · Refinance 29.3% · Other 28.4% · Purchase 6.3%
Conventional 100.0% · of 335 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 | 313 | 93.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| York-Hanover | 312 |
| Montgomery County-Bucks County-Chester County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WETW159N5QFR97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 289999 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524490 | 1995–2017 |
Established 1 January 1954. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: FIRST Capital Federal Credit Union's data.
FIRST Capital Federal Credit Union's data
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FIRST Capital 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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