Applications / Mortgage Analytics / Lenders / Pennsylvania / Armstrong County Building and Loan Association
Ford City, PA · Savings institution · FDIC · $95.5 million assets · 60 loans in 2025
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60
loans originated, 2025
62
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Armstrong County Building and Loan Association, a small savings institution in western Pennsylvania, lends to poorer borrowers and neighborhoods far more often than most lenders of its size.
Borrowers with low or moderate incomes (LMI) took 43.3% of its 60 loans in 2025, against 26.0% at similar lenders (savings institutions making between half and twice as many loans). That was higher than at nearly nine in ten of them. LMI neighborhoods took 40.0%, against 16.7%. Both shares have risen over the past five years.
Its typical loan was $130,000, against $245,000 at peers, smaller than at more than four in five of them. Every loan was conventional, with none backed by the government and none jumbo (larger than the conforming limit). Home purchases made up 60.0% of its lending.
It made 22% fewer loans than the 77 of 2024, while similar lenders made 1% more. Its count has swung between 51 and 95 since 2018, and it filed no report for 2022. On so few loans, such swings are ordinary.
In Pittsburgh it ranked 134 of 571 lenders with 0.1% of the market, as in 2024. PNC Bank led. It made no loans in majority-minority areas, against 7.6% at peers; its three counties, all in one state, may hold few of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Armstrong County Building and Loan Association took 62 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.0% · Other 20.0% · Refinance 15.0% · Home improvement 5.0%
Conventional 100.0% · of 60 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 | 60 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 58 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000HR6P25A740Y77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 269571 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43506 | 2004–2010 |
| Respondent ID (the HMDA filer code before 2018) | 329471 | 2011–2017 |
Established 1 January 1925. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Armstrong County Building and Loan Association's data.
Armstrong County Building and Loan Association's data
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Armstrong County Building and Loan Association 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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