Applications / Mortgage Analytics / Lenders / Pennsylvania / InFirst Bank
Indiana, PA · Savings institution · FDIC · $664 million assets · 480 loans in 2025
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480
loans originated, 2025
621
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
InFirst Bank, a savings institution in Indiana, Pennsylvania, makes small loans, and its share of lending in Johnstown rose to 2.4% from 1.1% in 2025.
Its typical loan was $115,000, against $215,000 at similar lenders (savings institutions making between half and twice as many loans), smaller than at nearly all of them. Its 480 loans came to $76.6 million, about half the typical peer's $153.5 million. Home improvement took 17.9% of its loans.
In Johnstown, PA, its share rose 1.3 points to 2.4%, which ranked it 12 of 143; First Commonwealth Bank led. Its largest market is non-metro Pennsylvania, where it ranked 36 of 643. In Pittsburgh, PA, its share held at 0.3%. Its loans rose 3%, near the middle of its peers.
Borrowers with low and moderate incomes (LMI) took 32.3% of its loans, against 25.9% at similar lenders, a higher share than at more than four in five of them. Only 0.2% were in majority-minority areas, against 7.3%. Its largest market is non-metro Pennsylvania, which may hold few such neighborhoods.
Its typical rate, 6.95%, was higher than at about three-quarters of similar lenders, whose typical rate was 6.56%. Its home-improvement loans and small loan sizes may explain some of that. Only 0.4% of its loans were higher-priced (a rate well above the average for similar loans), down from 0.9% in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. InFirst Bank took 621 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.2% · Refinance 24.0% · Home improvement 17.9% · Other 6.9%
Conventional 100.0% · of 480 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 | 477 | 99.4% |
| North Carolina | 2 | 0.4% |
| Ohio | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 150 |
| Johnstown | 54 |
| Altoona | 3 |
| Harrisburg-Carlisle | 2 |
| Charlotte-Concord-Gastonia | 1 |
| Greensboro-High Point | 1 |
| Wheeling | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YAGLRHLP0JP559 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 904171 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327763 | 2016–2017 |
Established 1 January 1922. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: InFirst Bank's data.
InFirst Bank's data
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