First Commonwealth Federal Credit Union mortgage approval rate & lending review
First Commonwealth Federal Credit Union decided 2,857 mortgage applications and funded 2,185 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Commonwealth Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Commonwealth Federal Credit Union at a glance
Approval is 10.7 points above the 70.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 80% | 356 / 444 | 94% | $275K | 335 |
| Home improvement loans | 75% | 1,003 / 1,329 | 92% | $55K | 927 |
| Cash-out refinance | 97% | 523 / 539 | 98% | $75K | 511 |
| Refinance | 81% | 344 / 427 | 96% | $75K | 329 |
| Investment property purchase | 83% | 29 / 35 | 100% | $235K | 29 |
| Investment refinance | 87% | 34 / 39 | 100% | $165K | 34 |
First Commonwealth Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 81% | $75K | 2,720 | 2,090 |
| New Jersey | 80% | $55K | 130 | 94 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Commonwealth Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lehigh County, PA | Home improvement loans | 71% | 550 | 368 |
| Northampton County, PA | Home improvement loans | 77% | 385 | 269 |
| Lehigh County, PA | Cash-out refinance | 95% | 230 | 212 |
| Northampton County, PA | Cash-out refinance | 99% | 173 | 167 |
| Berks County, PA | Home improvement loans | 82% | 195 | 150 |
| Lehigh County, PA | Refinance | 80% | 200 | 150 |
| Lehigh County, PA | Mortgage lenders | 70% | 194 | 126 |
| Northampton County, PA | Refinance | 81% | 125 | 98 |
| Northampton County, PA | Mortgage lenders | 84% | 105 | 85 |
| Berks County, PA | Cash-out refinance | 99% | 84 | 81 |
| Berks County, PA | Mortgage lenders | 85% | 68 | 53 |
| Berks County, PA | Refinance | 85% | 60 | 49 |
The county markets where First Commonwealth Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about First Commonwealth Federal Credit Union
What is First Commonwealth Federal Credit Union's mortgage approval rate?
First Commonwealth Federal Credit Union approved 80.8% of the 2,857 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.7 points above the 70.2% national rate for the same mix of loan types.
How often do borrowers take the loan First Commonwealth Federal Credit Union offers?
Borrowers accepted 95% of the loans First Commonwealth Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Commonwealth Federal Credit Union make?
The typical home improvement loan loan First Commonwealth Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Commonwealth Federal Credit Union lend?
First Commonwealth Federal Credit Union decided applications in 7 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Florida.
Can I apply to First Commonwealth Federal Credit Union directly?
Yes. First Commonwealth Federal Credit Union is a bank or credit union with 17 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Commonwealth Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Commonwealth Federal Credit Union treats applications, then get a rate quote from the lender.