Applications / Mortgage Analytics / Lenders / Pennsylvania / TruMark Financial Credit Union
Fort Washington, PA · Credit union · NCUA · $3.5 billion assets · 2,569 loans in 2025
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2,569
loans originated, 2025
4,418
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TruMark Financial Credit Union is a Philadelphia-area credit union that lends mainly for home improvement: 44.3% of its loans, against 16.0% for purchases.
Similar lenders are credit unions making between half and twice as many loans. Home improvement made up 44.3% of its loans and other purposes 30.3%, with purchases at 16.0% and refinancing at 9.4%; conventional loans were 100.0% of its lending. Its typical loan was $135,000 against $115,000. Originations rose 9% to 2,569, close to similar lenders' 10%.
It ranks 16 of 784 in Philadelphia-Camden-Wilmington, a $39.87B market led by CrossCountry Mortgage, and has lent there since before 1990. In Atlantic City-Hammonton it ranks 55 of 423, with 0.4% against 0.5%; a share that small can move with modest changes in its lending there.
17.3% of its loans were in LMI (low- and moderate-income) areas against 14.7%, higher than about seven in ten similar lenders, and 16.0% in majority-minority areas against 10.8%. LMI borrowers took 24.4% against 27.8%, lower than about two-thirds of similar lenders; a book of home-improvement and other-purpose loans to people who already own homes could explain that.
It turned down 10.8% of first-lien refinance applications against 19.0% at similar lenders, and 6.6% of purchase applications, near peers' 6.2%. Its typical rate was 6.74% against 7.00%, and higher-priced loans (a rate well above the average for similar loans) were 1.0% against 1.7%, down from 4.1% five years before.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TruMark Financial Credit Union took 4,418 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 44.3% · Other 30.3% · Purchase 16.0% · Refinance 9.4%
Conventional 100.0% · of 2,569 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 | 2,241 | 87.2% |
| New Jersey | 236 | 9.2% |
| Delaware | 61 | 2.4% |
| Maryland | 17 | 0.7% |
| Florida | 9 | 0.4% |
| Ohio | 4 | 0.2% |
| Arizona | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 1,457 |
| Philadelphia | 703 |
| Camden | 121 |
| Atlantic City-Hammonton | 62 |
| Wilmington | 46 |
| Allentown-Bethlehem-Easton | 27 |
| Reading | 22 |
| Newark | 18 |
| Baltimore-Columbia-Towson | 13 |
| Lakewood-New Brunswick | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930062IKKOJW3K8L94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 766892 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566158 | 1990–2017 |
Established 1 January 1939. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: TruMark Financial Credit Union's data.
TruMark Financial Credit Union's data
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TruMark Financial 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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