Applications / Mortgage Analytics / Lenders / Pennsylvania / West Aircomm Federal Credit Union
Beaver, PA · Credit union · NCUA · $366 million assets · 89 loans in 2025
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89
loans originated, 2025
104
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
West Aircomm Federal Credit Union, a Pennsylvania credit union, makes small loans on homes its members already own; only 6.7% of its loans in 2025 were for buying one.
Other purposes made up 39.3% of its 89 loans, home improvement 29.2% and refinancing 24.7%. Its typical loan was $65,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than more than four in five of them.
Its typical rate was 6.50%, against 6.75% at similar lenders, lower than about two-thirds of them. Its share of higher-priced loans (a rate well above the average for similar loans) was 5.6%, against 3.4%, a little above the middle of its peers. Its large share of home-improvement and other-purpose loans may account for that.
It made 38.6% of its loans to low- and moderate-income (LMI) borrowers, against 30.4% at similar lenders, more than about three in four of them. Its share in LMI neighborhoods, 19.1%, was close to its peers' 17.2%.
Its loans fell 2% to 89, while similar lenders grew 7%. That is below the 167 of 2022 but above the 61 of 2020. In Pittsburgh, where it has lent since 2002, it ranks 156 of 571 lenders; PNC Bank leads 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. West Aircomm Federal Credit Union took 104 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 39.3% · Home improvement 29.2% · Refinance 24.7% · Purchase 6.7%
Conventional 100.0% · of 89 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 | 88 | 98.9% |
| Ohio | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 88 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JUU7PS6Y4KM909 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1013986 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56233 | 2002–2017 |
Established 1 January 1949. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: West Aircomm Federal Credit Union's data.
West Aircomm Federal Credit Union's data
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West Aircomm 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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