Outside the cities
It ranks 27 of 383 lenders in non-metro Maryland and 45 of 299 in non-metro West Virginia, markets it has served since 1991. Rocket Mortgage leads both. It ranks lower, 126 of 643, in non-metro Pennsylvania.
Applications / Mortgage Analytics / Lenders / Maryland / First Peoples Community Federal Credit Union
First Peoples Community Federal Credit Union
Cumberland, MD · Credit union · NCUA · $637 million assets · 278 loans in 2025
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278
loans originated, 2025
343
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Peoples Community Federal Credit Union lends mostly outside the cities, in the non-metro parts of Maryland, West Virginia and Pennsylvania, and more of its loans refinance homes than buy them.
Refinancing first
Refinances made up 55.4% of its loans and purchases 43.5%, all of them conventional. Its typical rate was 6.25%, against 6.88% at similar lenders (credit unions making between half and twice as many loans), lower than at about four in five of them.
More loans in poorer areas
Low- and moderate-income (LMI) areas took 20.2% of its loans, against 16.0% at similar lenders, more than at about seven in ten of them. Five years before, the share was 7.8%. It turned down 4.9% of first-lien home-purchase applications on owner-occupied homes, against 7.6% at similar lenders.
Flat, and far below 2020
Its loans rose 2% to 278, while similar lenders grew by 7% and the whole market by 10%. It made 680 loans in 2020 and fewer in each year after that until 2025. A lender that leans on refinancing, as this one does, may simply feel swings in refinance demand more than most.
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
278 loans in 2025, against a peak of 680 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Peoples Community Federal Credit Union took 343 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
55.4% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 55.4% · Purchase 43.5% · Home improvement 1.1%
Conventional 100.0% · of 278 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
4 states, 8 metros, 18 counties
| State | Loans | Share |
|---|---|---|
| Maryland | 156 | 56.1% |
| Pennsylvania | 68 | 24.5% |
| West Virginia | 53 | 19.1% |
| Florida | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Hagerstown-Martinsburg | 7 |
| Johnstown | 3 |
| Winchester | 3 |
| Frederick-Gaithersburg-Bethesda | 2 |
| Baltimore-Columbia-Towson | 1 |
| Morgantown | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Pittsburgh | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549007WBD70RLDH1669 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 778587 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513345 | 1991–2017 |
Established 1 January 1959. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: First Peoples Community Federal Credit Union's data.
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