Applications / Mortgage Analytics / Lenders / Pennsylvania / Mercer County Community Federal Credit Union
Hermitage, PA · Credit union · NCUA · $112 million assets · 25 loans in 2025
Mercer County Community Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
25
loans originated, 2025
28
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mercer County Community Federal Credit Union, a credit union in Hermitage, Pennsylvania, makes a few small loans a year, mostly for home improvements.
Home improvement accounted for 56.0% of its 25 loans in 2025 and refinancing for 32.0%. Its typical loan was $45,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans. That is smaller than at almost all of them. Twenty-five loans are too few to read much into, but the pattern held in 2024, when the typical loan was $55,000.
It made 45 loans in 2018 and 38 in 2019. Since it resumed reporting in 2022 it has made between 21 and 39 a year. The years 2020 and 2021 are gaps in the record, not years without lending. In 2025 its count rose by 19%, from 21 to 25, while similar credit unions fell by 5%.
It has reported since 2005. Outside the metros of Pennsylvania it ranked 339 of 643 lenders; Rocket Mortgage led there. In Pittsburgh it ranked 567 of 571, behind PNC Bank, the market leader. Its own originations total $1.2 million, lower than at nearly all similar credit unions, which follows mainly from the small size of its loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Mercer County Community Federal Credit Union took 28 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 56.0% · Refinance 32.0% · Purchase 8.0% · Other 4.0%
Conventional 100.0% · of 25 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 | 25 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003UEX61E91S2B54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 706580 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511891 | 2005–2017 |
Established 1 January 1957. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Mercer County Community Federal Credit Union's data.
Mercer County Community Federal Credit Union's data
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Mercer County 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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