Applications / Mortgage Analytics / Lenders / Pennsylvania / Frick Financial Federal Credit Union
Uniontown, PA · Credit union · NCUA · $173 million assets · 96 loans in 2025
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96
loans originated, 2025
127
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Frick Financial Federal Credit Union, of Uniontown, Pennsylvania, is chiefly a home-improvement lender, and half its loans go to low- and moderate-income borrowers.
Home improvement took 40.6% of its loans and other purposes 30.2%; purchases were 13.5%. 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 almost all of them.
Low- and moderate-income (LMI) borrowers took 50.0% of its loans, against 30.1% at its peers. LMI neighborhoods took 37.2%, against 17.2%. Both are higher than at more than nine in ten peers, and both were as high in 2020.
Its typical rate was 7.74%, against 6.75% at its peers, higher than at about nine in ten of them. Home-improvement and other-purpose loans, most of its lending, often carry higher rates than first mortgages, which may explain the gap.
It made 96 loans, up 14% from 84, against 8% for its peers and 10% for the whole market. It made 156 loans in 2020. In Pittsburgh it ranked 189 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Frick Financial Federal Credit Union took 127 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 40.6% · Other 30.2% · Refinance 15.6% · Purchase 13.5%
Conventional 99.0% · FHA 1.0% · of 96 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 | 95 | 99.0% |
| West Virginia | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 75 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z6CULHNPDHYI25 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 796488 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 514775 | 2010–2017 |
Established 1 January 1962. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Frick Financial Federal Credit Union's data.
Frick Financial Federal Credit Union's data
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Frick Financial 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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