Applications / Mortgage Analytics / Lenders / Pennsylvania / United Community Federal Credit Union
West Mifflin, PA · Credit union · NCUA · $126 million assets · 79 loans in 2025
United Community Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
79
loans originated, 2025
106
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Community Federal Credit Union is a home-improvement lender: almost none of its 79 loans in 2025 bought a house, and its typical loan was about half the size of its peers'.
Home improvement accounted for 54.4% of its loans and other purposes for 43.0%. Purchases made up just 2.5%. All were conventional. That is the profile of a credit union lending against homes its members already own, not one financing moves.
Its typical loan was $45,000, the same as a year and five years earlier, against $95,000 at similar lenders, credit unions making between half and twice as many loans. Its loans were smaller than at almost all of them. Its typical rate, 5.75%, was lower than at more than nine in ten peers, whose typical rate was 6.75%. Small improvement loans may be priced differently from first mortgages, so the gap may say more about product than about cost.
It made 79 loans, 6% fewer than in 2024, while similar lenders grew 7%. Its count has stayed between 62 and 86 a year since 2018, so the dip is within its usual range. It has lent in Pittsburgh since at least 1990.
Low- and moderate-income borrowers took 41.8% of its loans, against 30.6% at similar lenders, a higher share than at about four in five 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Community Federal Credit Union took 106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 54.4% · Other 43.0% · Purchase 2.5%
Conventional 100.0% · of 79 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 | 79 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 79 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JSR03JVTTZ6039 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 208682 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57415 | 1990–2017 |
Established 1 January 1951. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: United Community Federal Credit Union's data.
United Community Federal Credit Union's data
$215
United Community 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 United Community 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]