Applications / Mortgage Analytics / Lenders / Pennsylvania / Century Heritage Federal Credit Union
Pittsburgh, PA · Credit union · NCUA · $286 million assets · 63 loans in 2025
Century Heritage Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
63
loans originated, 2025
70
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Century Heritage Federal Credit Union, in Pittsburgh, is a home-improvement lender: seven in ten of its loans pay for work on homes members already own.
Home improvement made up 69.8% of its loans and refinancing the rest; it made no purchase loans. Its typical loan was $55,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest twentieth. So on a similar number of loans, it lent less than half as much: $4.1 million against $8.9 million.
Its originations rose 40% to 63, faster than about four in five similar lenders, which typically grew 7%. That brings it back to its 2023 level. It filed no report for 2020 or 2021, so the record has a gap there.
Its typical rate was 5.65%, against 6.75% at similar lenders, among the lowest twentieth. Small repair and refinance loans are priced differently from purchase mortgages, which is one possible reason.
Low- and moderate-income (LMI) borrowers took 42.9% of its loans, against 30.9% at similar lenders, more than at about four in five of them. LMI neighborhoods took 28.6%, more than at over four in five.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Century Heritage Federal Credit Union took 70 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 69.8% · Refinance 30.2%
Conventional 100.0% · of 63 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 | 63 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 62 |
| Altoona | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006MS554K1PP0026 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 367879 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51352 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Century Heritage Federal Credit Union's data.
Century Heritage Federal Credit Union's data
$215
Century Heritage 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 Century Heritage 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]