Applications / Mortgage Analytics / Lenders / Pennsylvania / Grove City Area Federal Credit Union
Grove City, PA · Credit union · NCUA · $144 million assets · 125 loans in 2025
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125
loans originated, 2025
185
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Grove City Area Federal Credit Union, a small Pennsylvania credit union, makes small loans for many purposes, and many of them are on manufactured homes.
Other purposes made up 33.6% of its 125 loans, refinances 32.0% and home improvement 25.6%. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). Manufactured homes took 17.6% of its loans; the typical similar credit union made none.
Its typical rate was 5.74%, against 6.75% at similar lenders, among the lowest tenth. It made no higher-priced loans (a rate well above the average for similar loans), against 2.9% at similar lenders. Its small refinance, home-improvement and other-purpose loans may carry different terms from its peers' loans.
Low- and moderate-income (LMI) borrowers took 38.8% of its loans, against 29.3%, more than at about three in four similar lenders. Yet it made no loans in LMI or majority-minority neighborhoods, against 17.4% and 9.7% at similar lenders. Its 5 counties, in one metro and non-metro Pennsylvania, may hold few such neighborhoods.
Its loans rose 10%, against 8% at similar lenders. It has made between 65 and 189 loans a year since 2018. In non-metro Pennsylvania, its biggest market, it ranks 123 of 643 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Grove City Area Federal Credit Union took 185 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 33.6% · Refinance 32.0% · Home improvement 25.6% · Purchase 8.8%
Conventional 100.0% · of 125 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 | 125 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XJCLA0W3K4J455 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 752381 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56722 | 1993–2017 |
Established 1 January 1950. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Grove City Area Federal Credit Union's data.
Grove City Area Federal Credit Union's data
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Grove City Area 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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