# First Commonwealth Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/first-commonwealth-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Commonwealth Federal Credit Union is a credit union, headquartered in Allentown, PA, serving borrowers across 2 states, with 160 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 38% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Q9TCZDLU48CG18
- **Headquarters:** Allentown, PA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** NJ, PA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.192%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $860
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 160
- **Dollar Volume:** $35 million
- **Applications Received:** 199
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $218,625
- **Average Borrower Income:** $117,219
- **Average Property Value:** $334,375

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 159 | +0.190% | $859 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 97 loans, Score: 42/100 (Sound)
- Refinance: 62 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 98 | $27M | +0.382% | Sound ☺️ |
| Refinance | 59/100 | 62 | $8M | -0.138% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 156 | 0.13% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Allentown | PA-NJ | 108 | 85/100 |
| Reading, PA | PA | 27 | 62/100 |
| Non |  | 14 | 28/100 |

## Where This Lender Ranks

First Commonwealth Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Reading, PA Credit Unions
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Allentown
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders)
- 🥉 **#3** in Allentown for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Reading, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Reading, PA
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders)
- 🏆 **#13** in Allentown for Conventional Loans
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Reading, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does First Commonwealth Federal Credit Union offer?

First Commonwealth Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Commonwealth Federal Credit Union offer mortgages?

First Commonwealth Federal Credit Union offers mortgages in 2 states: NJ, PA.

### How competitive are First Commonwealth Federal Credit Union's mortgage rates?

First Commonwealth Federal Credit Union has a pricing score of 62/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.192% above market average.

### What type of lender is First Commonwealth Federal Credit Union?

First Commonwealth Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Allentown, PA.

### What is First Commonwealth Federal Credit Union's loan approval success rate?

First Commonwealth Federal Credit Union has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-commonwealth-federal-credit-union

### How to Cite

> "First Commonwealth Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-commonwealth-federal-credit-union

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