Applications / Mortgage Analytics / Lenders / Pennsylvania / ARC Federal Credit Union
Altoona, PA · Credit union · NCUA · $150 million assets · 106 loans in 2025
ARC Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
106
loans originated, 2025
128
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ARC Federal Credit Union, an Altoona lender of small refinance and home-improvement loans, grew faster than most similar credit unions in 2025 and won share at home.
It made 106 loans, up 28% from 83. Similar lenders (credit unions making between half and twice as many loans) grew 8%, and its growth was higher than about seven in ten of them. It filed no report for 2020 and 2021, so those years are a gap in the record.
Refinancing made up 36.8% of its loans and home improvement 34.0%. Its typical loan was $65,000, against $105,000 at similar lenders, among the lowest sixth, which fits a book with many home-improvement loans.
Some 42.6% of its borrowers had low or moderate incomes (LMI), against 29.7% at similar lenders, higher than about four in five. Its share in LMI neighborhoods, 17.0%, was close to peers' 17.2%.
In Altoona, PA it ranked 13 of 146 lenders, with 2.6% of lending, up from 1.9%; Altoona First Savings Bank led. In Johnstown, PA its share rose to 0.2% from 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. ARC Federal Credit Union took 128 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 36.8% · Home improvement 34.0% · Purchase 26.4% · Other 2.8%
Conventional 100.0% · of 106 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 | 106 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Altoona | 96 |
| Johnstown | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VOPM5QG76KFF73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 687081 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511304 | 1990–2017 |
Established 1 January 1956. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: ARC Federal Credit Union's data.
ARC Federal Credit Union's data
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ARC 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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