Applications / Mortgage Analytics / Lenders / Pennsylvania / Top Tier Federal Credit Union
Clarion, PA · Credit union · NCUA · 161 loans in 2025
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161
loans originated, 2025
180
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Top Tier Federal Credit Union, a Pennsylvania credit union that first reported in 2024, lends mainly to home buyers and reaches more lower-income borrowers than most similar lenders.
Home purchases made up 75.8% of its 161 loans in 2025, refinancing 18.6%, and other purposes and home improvement the small remainder. Every loan was conventional, as at most similar lenders, which are credit unions making between half and twice as many loans. Its typical loan, $125,000, was a little larger than the peers' $105,000.
Low- and moderate-income (LMI) borrowers took 39.7% of its loans, against 28.4% at similar lenders, more than at about four in five of them. The share has risen from 37.5% in its first year of reports.
Its loans rose 7%, from 151 to 161, close to the 8% growth at similar lenders and the 10% of the whole market. With only two years of reports, the record is too short to show a trend.
All its lending is in Pennsylvania, across 12 counties. Its largest market is non-metro Pennsylvania, where it ranks 60 of 643 lenders and Rocket Mortgage leads. In Pittsburgh and Erie it is a minor presence.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Top Tier Federal Credit Union took 180 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.8% · Refinance 18.6% · Other 3.1% · Home improvement 2.5%
Conventional 100.0% · of 161 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 | 161 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 8 |
| Erie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900IO702S09S4KF65 | 2024–2025 |
Established 1 January 1940. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Top Tier Federal Credit Union's data.
Top Tier Federal Credit Union's data
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Top Tier 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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