Applications / Mortgage Analytics / Lenders / Pennsylvania / Pennsylvania State Employees Credit Union
Harrisburg, PA · Credit union · NCUA · $9.3 billion assets · 5,896 loans in 2025
Pennsylvania State Employees Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
5,896
loans originated, 2025
8,309
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pennsylvania State Employees Credit Union is a one-state lender of small loans, mostly for home improvement and other purposes, ranked 4 of 396 in Harrisburg-Carlisle.
Other purposes made up 31.1% of its loans, home improvement 30.6%, refinancing 21.9% and purchase only 16.3%. Its typical loan was $85,000, against $120,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest tenth. Every loan was conventional.
All its lending was in Pennsylvania, across 67 counties. It held 4.8% of Harrisburg-Carlisle, unchanged, behind Members 1st Federal Credit Union, and ranked 6 of 643 in non-metro Pennsylvania and 12 of 365 in Lancaster. It has lent in each since before 1990.
Originations rose 3% to 5,896, against 10% for peers and the whole market, slower than about seven in ten of them. Its volume has stayed in a narrow band since 2018, from 5,270 to a high of 6,949 in 2022; its small share of purchase loans may help explain both the steadiness and the slower growth.
It made 11.7% of loans in LMI (low- and moderate-income) areas, against 14.7%, lower than about seven in ten peers, and 5.1% in majority-minority areas, against 9.8%, among the lowest quarter. Its share to LMI borrowers, 25.6% against 26.3%, was near the middle, up from 18.4% five years before. Lending only in Pennsylvania, with a large presence in non-metro areas, may mean fewer such areas in its markets.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pennsylvania State Employees Credit Union took 8,309 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 31.1% · Home improvement 30.6% · Refinance 21.9% · Purchase 16.3%
Conventional 100.0% · of 5,896 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 5,896 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Harrisburg-Carlisle | 1,162 |
| Pittsburgh | 604 |
| Lancaster | 458 |
| Montgomery County-Bucks County-Chester County | 444 |
| York-Hanover | 324 |
| Scranton--Wilkes-Barre | 264 |
| Allentown-Bethlehem-Easton | 231 |
| Lebanon | 206 |
| State College | 184 |
| Philadelphia | 178 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PT6CCDYU4VHM41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 268592 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564131 | 1990–2017 |
Established 1 January 1933. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Pennsylvania State Employees Credit Union's data.
Pennsylvania State Employees Credit Union's data
$215
Pennsylvania State Employees Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Pennsylvania State Employees Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]