A refinance shop
Refinances made up 81.7% of its 131 loans, and purchases the rest. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans).
Applications / Mortgage Analytics / Lenders / Pennsylvania / MON Valley Community Federal Credit Union
MON Valley Community Federal Credit Union
Allenport, PA · Credit union · NCUA · $187 million assets · 131 loans in 2025
MON Valley Community Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
131
loans originated, 2025
142
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MON Valley Community Federal Credit Union, a Pittsburgh lender, makes small loans, mostly to refinance, and about half of them go to borrowers on low and moderate incomes.
Growth returns
Its loans rose 47%, from 89, while similar lenders grew 8%, which puts it ahead of more than four in five of them. It made 137 loans in 2018 and 73 in 2023, so 2025 brought it back near its earlier level.
Lending to modest earners
Low- and moderate-income (LMI) borrowers took 49.6% of its loans, against 29.0% at similar lenders, a higher share than at nearly all of them. In LMI neighborhoods the figures were 32.1% and 17.3%. Small refinance loans may suit borrowers with modest incomes.
One metro
It lends in one metro and 6 counties, all in Pennsylvania. In Pittsburgh it ranks 111 of 571, with 0.1% of lending. None of its loans were in majority-minority neighborhoods, against 9.7% at similar lenders; its narrow footprint may hold few such neighborhoods.
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
131 loans in 2025, against a peak of 137 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MON Valley Community Federal Credit Union took 142 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
81.7% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 81.7% · Purchase 18.3%
Conventional 100.0% · of 131 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
1 state, 1 metro, 6 counties
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 131 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Pittsburgh | 130 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VZM7V5ZDUJAQ32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 7979 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51911 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: MON Valley Community Federal Credit Union's data.
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MON Valley Community Federal Credit Union's data
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