Applications / Mortgage Analytics / Lenders / Pennsylvania / Pheple Federal Credit Union
Greensburg, PA · Credit union · NCUA · $133 million assets · 120 loans in 2025
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120
loans originated, 2025
155
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pheple Federal Credit Union, a small Greensburg lender, mostly makes loans to fix up homes, and its loan count rose 56% in 2025.
Home improvement made up 39.2% of its loans and purchases only 10.0%. That may explain why its typical loan, $65,000, was smaller than at more than four in five similar lenders (credit unions making between half and twice as many loans), where it was $105,000.
Its loans rose 56% to 120 from 77, against 8% at similar lenders, faster than at more than four in five of them. It filed no HMDA report for 2020 to 2022, so those years are gaps in the record, not years without lending.
Low- and moderate-income (LMI) borrowers took 45.0% of its loans, against 29.0% at similar lenders, more than at nearly nine in ten of them. None of its loans went to majority-minority areas, against 9.6% at its peers. It lends in one metro and four counties, which may hold few such areas.
It ranks 135 of 571 lenders in Pittsburgh, its largest market, with 0.1% of lending. PNC Bank leads there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Pheple Federal Credit Union took 155 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.2% · Refinance 28.3% · Other 22.5% · Purchase 10.0%
Conventional 100.0% · of 120 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 | 120 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 119 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003IFQ2Y89ZUY019 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 608983 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57297 | 2010–2017 |
Established 1 January 1951. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Pheple Federal Credit Union's data.
Pheple Federal Credit Union's data
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Pheple 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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