Applications / Mortgage Analytics / Lenders / Pennsylvania / Farmers Building and Savings Bank
Rochester, PA · Savings institution · FDIC · $120 million assets · 54 loans in 2025
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54
loans originated, 2025
69
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers Building and Savings Bank, a small savings bank near Pittsburgh, puts a fifth of its lending into home improvement and lends heavily to borrowers of modest means.
Home improvement took 20.4% of its 54 loans, beside purchases at 37.0% and refinances at 35.2%. All were conventional. Its typical loan was $145,000, smaller than at most similar lenders (savings institutions making between half and twice as many loans), where it was $245,000. Home-improvement loans may account for part of that.
Borrowers with low and moderate incomes (LMI borrowers) took 42.6% of its loans, more than at about four in five similar lenders, where the figure was 26.0%. Poorer neighborhoods (LMI areas) took only 3.7%, down from 17.9% in 2024. It lends in just 4 counties, and the parts it serves may hold few such areas.
It made 54 loans, down 19% from 67, while similar lenders held steady. With so few loans, a handful either way moves the count a lot. It filed no HMDA report for 2020 to 2022; those are gaps in the record, not years without lending.
In Pittsburgh, its only metro, it ranked 143 of 571 with 0.1% of the market, unchanged from 2024. PNC Bank led, followed by Rocket Mortgage. How its home-improvement loans compare in size with other Pittsburgh lenders' is an open question.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Farmers Building and Savings Bank took 69 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.0% · Refinance 35.2% · Home improvement 20.4% · Other 7.4%
Conventional 100.0% · of 54 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 | 54 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 54 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900P8ZH9AQQIA8T88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 19972 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334711 | 2000–2017 |
Established 30 June 1894. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Farmers Building and Savings Bank's data.
Farmers Building and Savings Bank's data
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Farmers Building and Savings Bank 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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