Applications / Mortgage Analytics / Lenders / Pennsylvania / Citadel Federal Credit Union
Exton, PA · Credit union · NCUA · $6.6 billion assets · 2,441 loans in 2025
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2,441
loans originated, 2025
4,553
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citadel Federal Credit Union is a Philadelphia-area lender, ranked 22 of 784 there, whose loans are mostly other-purpose and refinance loans rather than purchases.
Other purposes made up 37.2% of its loans, refinancing 32.4%, home improvement 19.1% and purchases 11.3%. Its typical loan, $125,000 against $115,000, was near the middle. It also bought 470 loans, more than almost all similar credit unions.
Similar lenders are credit unions making between half and twice as many loans. Its originations rose 8% to 2,441, against 10% for similar lenders and for the whole market. They peaked at 3,038 in 2021.
Its typical rate was 4.49% against 7.00%, the lowest among similar credit unions. Higher-priced loans (a rate well above the average for similar loans) were 0.5% against 1.7%.
LMI (low- and moderate-income) borrowers took 31.2% of its loans against 27.5%, higher than about seven in ten similar credit unions. Loans in majority-minority areas were 8.4% against 11.2%, a little below the middle, up from 3.6% five years before; Lancaster and Reading, among its largest markets, could explain part of that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citadel Federal Credit Union took 4,553 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 37.2% · Refinance 32.4% · Home improvement 19.1% · Purchase 11.3%
Conventional 98.0% · FHA 1.8% · VA 0.2% · of 2,441 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 | 2,255 | 92.4% |
| New Jersey | 93 | 3.8% |
| Delaware | 65 | 2.7% |
| Florida | 15 | 0.6% |
| Maryland | 11 | 0.5% |
| North Carolina | 1 | 0.0% |
| South Carolina | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 1,566 |
| Philadelphia | 483 |
| Lancaster | 114 |
| Wilmington | 55 |
| Reading | 53 |
| Atlantic City-Hammonton | 35 |
| Camden | 32 |
| Allentown-Bethlehem-Easton | 13 |
| Lakewood-New Brunswick | 12 |
| Dover | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XOOL3OJTITCV30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 167873 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52099 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Citadel Federal Credit Union's data.
Citadel Federal Credit Union's data
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Citadel 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.
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