# FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/first-peoples-community-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 PEOPLES COMMUNITY FEDERAL CREDIT UNION is a credit union, headquartered in CUMBERLAND, MD, serving borrowers across 4 states, with 192 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 15% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 2549007WBD70RLDH1669
- **Headquarters:** CUMBERLAND, MD
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** MD, PA, SC, WV
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.375%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $911
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 192
- **Dollar Volume:** $32 million
- **Applications Received:** 247
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $164,323
- **Average Borrower Income:** $119,359
- **Average Property Value:** $217,772

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 191 | -0.376% | $902 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 144 loans, Score: 41/100 (Sound)
- Refinance: 47 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 145 | $27M | -0.444% | Acceptable 🙂 |
| Refinance | 42/100 | 47 | $5M | -0.140% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 112 | 0.16% | 70/100 |
| PA | 46 | 0.04% | 58/100 |
| WV | 33 | 0.21% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 181 | 68/100 |

## Where This Lender Ranks

FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in West Virginia Credit Unions
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in West Virginia for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#18** in West Virginia
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION offer?

FIRST PEOPLES COMMUNITY 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 PEOPLES COMMUNITY FEDERAL CREDIT UNION offer mortgages?

FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION offers mortgages in 4 states: MD, PA, SC, WV.

### How competitive are FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION's mortgage rates?

FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION has a pricing score of 85/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.375% below market average.

### What type of lender is FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION?

FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in CUMBERLAND, MD.

### What is FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION's loan approval success rate?

FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION has a pull-through score of 56/100 (Sound). 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-peoples-community-federal-credit-union

### How to Cite

> "FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-peoples-community-federal-credit-union

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