First Commonwealth Federal Credit Union
First Commonwealth Federal Credit Union received 1,482 applications in 2025 and made 984 mortgages, in 32 counties across 5 states. The median rate its borrowers got was 7.240% on a median loan of $75,000. Of 1,349 decisions, 299 were denials — 22.2%, most often for debt-to-income ratio. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300Q9TCZDLU48CG18 |
|---|---|
| Applications received | 1,482 |
| Mortgages made | 984 |
| Denied | 299 |
| Approved, not taken up | 66 |
| Withdrawn or incomplete | 133 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.56 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 163 | 6.125% | $295,000 | 17.0% |
| Refinancing | 98 | 7.500% | $95,000 | 24.3% |
| Cash-out refinancing | 225 | 7.240% | $85,000 | 4.2% |
| Other purposes | 498 | 7.490% | $55,000 | 28.9% |
Where First Commonwealth Federal Credit Union lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lehigh County, PA | 336 | 7.240% | 28.1% |
| Northampton County, PA | 271 | 6.750% | 18.5% |
| Berks County, PA | 153 | 7.240% | 18.7% |
| Carbon County, PA | 87 | 7.400% | 15.5% |
| Warren County, NJ | 31 | 6.870% | 25.5% |
| Monroe County, PA | 29 | 7.240% | 22.5% |
| Schuylkill County, PA | 25 | 6.625% | 7.4% |
| Montgomery County, PA | 10 | 6.125% | 0.0% |
| Lancaster County, PA | 5 | Under 10 loans | 28.6% |
| Bucks County, PA | 4 | Under 10 loans | 50.0% |
| Lebanon County, PA | 4 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 4 | Under 10 loans | 16.7% |
| Delaware County, PA | 3 | Under 10 loans | 0.0% |
| Luzerne County, PA | 3 | Under 10 loans | 50.0% |
| Bergen County, NJ | 2 | Under 10 loans | 0.0% |
| Hunterdon County, NJ | 2 | Under 10 loans | 33.3% |
| Ocean County, NJ | 2 | Under 10 loans | 0.0% |
| Allegheny County, PA | 2 | Under 10 loans | 0.0% |
| Chester County, PA | 2 | Under 10 loans | 33.3% |
| Pike County, PA | 2 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Mercer County, NJ | 1 | Under 10 loans | 0.0% |
| Morris County, NJ | 1 | Under 10 loans | 0.0% |
| Dauphin County, PA | 1 | Under 10 loans | 0.0% |
| Snyder County, PA | 1 | Under 10 loans | 0.0% |
| Wayne County, PA | 1 | Under 10 loans | 0.0% |
| Cape May County, NJ | 0 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 0 | Under 10 loans | 0.0% |
| Cabarrus County, NC | 0 | Under 10 loans | 100.0% |
| Montgomery County, OH | 0 | Under 10 loans | 100.0% |
| Indiana County, PA | 0 | Under 10 loans | 100.0% |
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When First Commonwealth Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.