Applications / Mortgage Analytics / Lenders / Pennsylvania / USX Federal Credit Union
Cranberry Twp, PA · Credit union · NCUA · $252 million assets · 168 loans in 2025
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168
loans originated, 2025
221
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
USX Federal Credit Union, a small Pittsburgh-area credit union, grew its lending by nearly half in 2025, far faster than similar lenders.
It made 168 loans in 2025, up 46% from 115, while similar lenders (credit unions making between half and twice as many loans) grew 7%. That was faster than at more than four in five of them. Refinances made up 48.8% of its loans and home improvement 26.8%. The rise follows a low of 91 loans in 2023.
Its typical loan was $75,000, against $105,000 at similar lenders, smaller than at about four in five. Low- and moderate-income (LMI) borrowers took 34.1% of its loans, against 28.6% at the typical peer, more than at nearly two-thirds of them.
Only 11.3% of its loans went to LMI neighborhoods, against 17.3%, and 1.2% to majority-minority neighborhoods, against 10.4%. Both are lower than at about four in five peers. Its lending centers on Pittsburgh and rural Pennsylvania and Ohio, and the make-up of those areas may explain the shares.
It has reported loans in Pittsburgh since 1990 and ranks 110 of 571 lenders there, with a 0.1% share. PNC Bank leads that market, followed by 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. USX Federal Credit Union took 221 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.8% · Home improvement 26.8% · Other 20.8% · Purchase 3.6%
Conventional 100.0% · of 168 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 | 155 | 92.3% |
| Ohio | 13 | 7.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 148 |
| Toledo | 3 |
| State College | 1 |
| Youngstown-Warren | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PQN88DET52I724 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 971276 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52740 | 1990–2017 |
Established 1 January 1938. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: USX Federal Credit Union's data.
USX Federal Credit Union's data
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USX 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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