Applications / Mortgage Analytics / Lenders / Maryland / ACT 1st Federal Credit Union
Lavale, MD · Credit union · NCUA · $145 million assets · 38 loans in 2025
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38
loans originated, 2025
49
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ACT 1st Federal Credit Union, a credit union in Lavale, Maryland, lends mainly to fix up homes, and almost half its loans go to poorer neighborhoods.
Home improvement made up 65.8% of its 38 loans; refinances took 23.7% and purchases 10.5%. Its typical loan was $50,000. At similar lenders (credit unions making between half and twice as many loans) it was $85,000, and ACT 1st's was lower than at about nineteen in twenty of them. Small improvement loans may explain both that and its total of $2.6 million, about half the $5.5 million at peers.
Low- and moderate-income (LMI) neighborhoods took 47.4% of its loans, against 17.4% at peers, more than at nearly all of them. Five years earlier the share was 23.1%. LMI borrowers took 42.1%, against 31.6%. Only 2.6% went to majority-minority areas, against 9.1%, which may reflect where it lends: mostly rural Maryland, West Virginia and Pennsylvania.
Its loans rose 9% to 38, against 1% at similar lenders and 10% across the market. Apart from 59 loans in 2022, it has made between 32 and 40 a year since 2018. The rise amounts to a handful of loans.
It has lent in non-metro Maryland and non-metro West Virginia since 1994. It ranked 167 of 383 lenders in the first and 188 of 299 in the second. Rocket Mortgage led both.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ACT 1st Federal Credit Union took 49 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 65.8% · Refinance 23.7% · Purchase 10.5%
Conventional 100.0% · of 38 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 |
|---|---|---|
| Maryland | 26 | 68.4% |
| West Virginia | 9 | 23.7% |
| Pennsylvania | 3 | 7.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Winchester | 3 |
| Chambersburg | 1 |
| Morgantown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FE6QJXGH3VIA90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 994882 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56679 | 1994–2017 |
Established 1 January 1950. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: ACT 1st Federal Credit Union's data.
ACT 1st Federal Credit Union's data
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ACT 1st 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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