Applications / Mortgage Analytics / Lenders / Pennsylvania / Freedom United Federal Credit Union
Rochester, PA · Credit union · NCUA · $92.0 million assets · 55 loans in 2025
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55
loans originated, 2025
65
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Freedom United Federal Credit Union, of Rochester, Pennsylvania, makes small refinance and home-improvement loans and almost no purchase loans.
Refinancings took 63.6% of its loans and home improvement 25.5%; purchases were only 1.8%. All were conventional. Its typical loan was $55,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at nearly all of them.
Its typical rate, 6.75%, matched its peers'. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.0% at its peers.
Low- and moderate-income (LMI) neighborhoods took 27.3% of its loans, up from 18.9% and against 17.5% at its peers. That is more than at about four in five of them. LMI borrowers took 36.4%, against 31.2%.
It made 55 loans, up 4% from 53, near the middle of its peers, which grew 6%. Its lending has stayed between 40 and 55 loans a year since 2020. In Pittsburgh, its only metro, it ranked 208 of 571, with a share too small to show. PNC Bank led there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Freedom United Federal Credit Union took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 63.6% · Home improvement 25.5% · Other 9.1% · Purchase 1.8%
Conventional 100.0% · of 55 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 | 55 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 55 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XNCZ58J8OHZO17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 607874 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53487 | 2011–2016 |
Established 1 January 1939. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Freedom United Federal Credit Union's data.
Freedom United Federal Credit Union's data
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Freedom United 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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