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 score and performance metrics.

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 an overall pricing score of 61.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Commonwealth Federal Credit Union?

First Commonwealth Federal Credit Union is a Credit Union headquartered in Allentown, PA.

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First Commonwealth Federal Credit Union

Credit Union•Allentown, PAHQ•Direct•Reviews near you on Google

First Commonwealth Federal Credit Union has 160 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

First Commonwealth Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+19.2 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Strong	159	99.4%	+0.190%Above	$859Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume159

Mix99.4%

Spread

+0.190%Above

Fees

$859Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	98	61.3%	+0.382%Above	$1,283Fees
Refinance	Strong	Sound	Exceptional	Exceptional	62	38.8%	-0.138%Below	$123Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume98

Mix61.3%

Spread

+0.382%Above

Fees

$1,283Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Exceptional

Volume62

Mix38.8%

Spread

-0.138%Below

Fees

$123Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

160

Applications

199

Volume

$34 million

Pricing & Closing

Avg Rate Spread

+0.192%

vs. market APOR

Avg Net Fees

$860

Origination − Credits

Pullthrough Rate

80.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$218,625

Avg Borrower Income

$117,219

Avg Property Value

$334,375

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast2

NJPA

Top Metro Areas by Place Specialization Score

Allentown, PA-NJMetro

Volume 108Mix 67.50% of portfolio

85/100

Exceptional

Reading, PAMetro

Volume 27Mix 16.88% of portfolio

62/100

Strong

Top States by Place Specialization Score

PennsylvaniaState

Volume 156Mix 97.50% of portfolio

74/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.