Applications / Mortgage Analytics / Lenders / Maryland / ACT 1st Federal Credit Union / Competition
ACT 1st Federal Credit Union
Lavale, MD · Credit union · NCUA · $145 million assets · 38 loans in 2025
ACT 1st Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
38
loans originated, 2025
49
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Who ACT 1st Federal Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO MARYLAND, 2025
ACT 1st Federal Credit Union ranks 167th of 383 lenders in non-metro Maryland, with $1.6M lent: 0.1% of a $1.95B market.
non-metro Maryland is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ACT 1st Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO WEST VIRGINIA, 2025
ACT 1st Federal Credit Union ranks 188th of 299 lenders in non-metro West Virginia, with $455K lent: 0.0% of a $1.42B market.
non-metro West Virginia is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ACT 1st Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO PENNSYLVANIA, 2025
ACT 1st Federal Credit Union ranks 547th of 643 lenders in non-metro Pennsylvania, with $230K lent: 0.0% of a $5.62B market.
non-metro Pennsylvania is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ACT 1st Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — MORGANTOWN, WV, 2025
ACT 1st Federal Credit Union ranks 160th of 173 lenders in Morgantown, WV, with $125K lent: 0.0% of a $601.2M market.
Morgantown, WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ACT 1st Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 58% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — CHAMBERSBURG, PA, 2025
ACT 1st Federal Credit Union ranks 218th of 228 lenders in Chambersburg, PA, with $85K lent: 0.0% of a $789.3M market.
Chambersburg, PA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ACT 1st Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — WINCHESTER, VA-WV, 2025
ACT 1st Federal Credit Union ranks 300th of 303 lenders in Winchester, VA-WV, with $55K lent: 0.0% of a $1.16B market.
Winchester, VA-WV is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and ACT 1st Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
ACT 1st Federal Credit Union's data
$215
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.
Buy ACT 1st Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]