Applications / Mortgage Analytics / Lenders / Pennsylvania / Washington Area Teachers Federal Credit Union
Washington, PA · Credit union · NCUA · $78.4 million assets · 45 loans in 2025
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45
loans originated, 2025
45
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Washington Area Teachers Federal Credit Union, a small credit union in Washington, Pennsylvania, lends mostly for home improvement and refinancing, in small loans.
Home improvement made up 44.4% of its 45 loans in 2025 and refinances 40.0%; purchases were 2.2%. Its typical loan was $75,000, smaller than the $95,000 at similar lenders, credit unions making between half and twice as many loans. Every loan was conventional, with no government backing.
Its 45 loans were in line with the 47 to 58 a year it made in the years it reported from 2019 to 2023. Its 2024 filing shows a single loan, so a comparison with that year means little, and a growth figure built on it means nothing. It filed no report for 2018 or 2020; those are gaps in the record, not years without lending.
Its typical rate was 6.50%, against 6.75% at similar credit unions, lower than at about two-thirds of them. Its largest market is Pittsburgh, where it has lent since 1992 and ranks 217th of 571, far behind PNC Bank, the leader.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Washington Area Teachers Federal Credit Union took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 44.4% · Refinance 40.0% · Other 13.3% · Purchase 2.2%
Conventional 100.0% · of 45 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 | 42 | 93.3% |
| West Virginia | 2 | 4.4% |
| Virginia | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 40 |
| Weirton-Steubenville | 2 |
| Lynchburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NWB973YIHXKU90 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 719384 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513035 | 1992–2017 |
Established 1 January 1959. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Washington Area Teachers Federal Credit Union's data.
Washington Area Teachers Federal Credit Union's data
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Washington Area Teachers 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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