Lender in Pennsylvania · HMDA 2025
First Commonwealth Federal Credit Union mortgages in Pennsylvania
First Commonwealth Federal Credit Union's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
First Commonwealth Federal Credit Union originated 212 owner-occupied single-family loans in Pennsylvania from 237 completed applications.
Its median conventional purchase loan costs were $4,890 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.125% (Pennsylvania: 6.625%).
Loans in PA
212
of 237 applications
Denial rate
7.8%
Purchase · PA 6.7%
Rate spread
−0.30 pts
Conv. · PA +0.17 pts
Loan amount
$295,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 153 | 136 | 7.8% | 6.125% | −0.30 pts | $4,890 | $295,000 |
| Refinance | 16 | 13 | — | — | — | — | — |
| Cash-out refinance | 68 | 63 | 4.4% | — | +0.42 pts | $0 | $135,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where First Commonwealth Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Carbon County | 11 | 17 | 1.8% |
| Northampton County | 15 | 64 | 1.7% |
| Lehigh County | 17 | 61 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology