Applications / Mortgage Analytics / Lenders / Pennsylvania / Police and Fire Federal Credit Union
Philadelphia, PA · Credit union · NCUA · $10.0 billion assets · 6,267 loans in 2025
Police and Fire Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
6,267
loans originated, 2025
12,906
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Police and Fire Federal Credit Union is a refinance and home-improvement lender with almost no purchase lending, making small loans: its typical loan was $85,000.
Refinancing was 64.3% of its loans, home improvement 32.7% and home purchase 3.0%. Its typical loan, $85,000, was among the smallest tenth of similar lenders (credit unions making between half and twice as many loans), whose typical loan was $120,000. Every loan was conventional, with no FHA (insured by the Federal Housing Administration) or VA (guaranteed by the Department of Veterans Affairs) lending.
Its middle rate was 6.24% against 6.93% at similar lenders, lower than about nine in ten of them, and almost none of its loans were higher-priced (a rate well above the average for similar loans): 0.0% against 0.8%.
Originations fell 5% to 6,267, while similar lenders grew 10% and the whole market 10%, lower than nearly nine in ten of them. With so little purchase lending, growth in home buying may reach it less than lenders built around purchases. It ranks 11 of 784 lenders in Philadelphia, where it has lent since before 1990.
LMI (low- and moderate-income) borrowers took 19.6% of its loans, against 26.3% at similar lenders. Refinance and home-improvement loans go to existing owners, who may have higher incomes. Its shares in LMI areas, 15.9%, and majority-minority areas, 15.3%, were above the peer figures of 14.3% and 9.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Police and Fire Federal Credit Union took 12,906 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 64.3% · Home improvement 32.7% · Purchase 3.0%
Conventional 100.0% · of 6,267 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 | 3,973 | 63.4% |
| New Jersey | 2,136 | 34.1% |
| Delaware | 102 | 1.6% |
| Florida | 56 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 2,042 |
| Philadelphia | 1,763 |
| Camden | 1,664 |
| Atlantic City-Hammonton | 246 |
| Wilmington | 106 |
| Lakewood-New Brunswick | 91 |
| Allentown-Bethlehem-Easton | 50 |
| Reading | 40 |
| Trenton-Princeton | 37 |
| Newark | 34 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930063XGNMIXS57091 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 945978 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52551 | 1990–2017 |
Established 1 January 1938. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Police and Fire Federal Credit Union's data.
Police and Fire Federal Credit Union's data
$215
Police and Fire Federal 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 Police and Fire Federal 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]