Applications / Mortgage Analytics / Lenders / Pennsylvania / Valley 1st Community Federal Credit Union
Monessen, PA · Credit union · NCUA · $103 million assets · 94 loans in 2025
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94
loans originated, 2025
94
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Valley 1st Community Federal Credit Union lends to poorer borrowers more than almost any similar lender: more than two-thirds of its 94 loans in 2025 went to low- and moderate-income households.
Some 68.1% of its loans went to low- and moderate-income (LMI) borrowers, against 30.1% at similar lenders (credit unions making between half and twice as many loans). And 44.7% went to LMI neighborhoods, against 17.2%. On both counts it is higher than nearly all its peers.
Refinances made up 87.2% of its loans and purchases the rest. Its typical loan was $55,000, against $97,500 at peers, lower than at all but a few of them. Every loan was conventional. Small loans of this kind fit borrowers with modest incomes.
It made 94 loans in 2025, down 22% from 121, while similar lenders grew 7%. The 2024 figure was itself a leap, from 76 in 2023; in 2018 it made 36. It filed no HMDA reports for 2020 to 2022, so the record has a gap. Volume at a lender this dependent on refinancing may swing with borrowers' reasons to refinance.
It lends only in the Pittsburgh metro, across four counties, and has done so since at least 1990. It ranks 165 of 571 lenders there, with 0.1% of the market, far behind PNC Bank and Rocket Mortgage.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Valley 1st Community Federal Credit Union took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 87.2% · Purchase 12.8%
Conventional 100.0% · of 94 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 | 94 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 94 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900C93QPBEWPGBI16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 679572 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5649 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Valley 1st Community Federal Credit Union's data.
Valley 1st Community Federal Credit Union's data
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Valley 1st 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.
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