Applications / Mortgage Analytics / Lenders / Pennsylvania / Franklin Mint Federal Credit Union
Chadds Ford, PA · Credit union · NCUA · $1.9 billion assets · 1,122 loans in 2025
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1,122
loans originated, 2025
1,913
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Franklin Mint Federal Credit Union is a Pennsylvania credit union lending mostly for home improvement and refinancing, whose originations rose 14% in 2025.
Originations rose 14% to 1,122 from 981, against 8% for the typical similar lender (credit unions making between half and twice as many loans) and 10% for the whole market. That is about double the 572 of 2020, though below the 1,772 of 2022.
Home improvement made up 39.8% of its loans, refinance 32.0%, other purposes 16.2% and home purchase 12.0%. Its typical loan was $105,000, the same as peers', against $215,000 five years before, when jumbo loans (larger than the conforming limit) were 27.3% of its lending; they are now 2.6%.
In Philadelphia-Camden-Wilmington, where it has lent since before 1990, it ranked 63 of 784 lenders. In Atlantic City-Hammonton it ranked 110 of 423 with a 0.1% share, unchanged.
Low- and moderate-income (LMI) borrowers took 17.3% of its loans, against 27.3% at peers, lower than about nine in ten of them, and LMI areas 8.9%, against 15.0%. Majority-minority areas took 12.1%, near peers' 10.2%. A lending mix built on home improvement and refinancing for existing owners, and the areas its members live in, are possible reasons.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Franklin Mint Federal Credit Union took 1,913 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.8% · Refinance 32.0% · Other 16.2% · Purchase 12.0%
Conventional 100.0% · of 1,122 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 | 949 | 84.6% |
| Delaware | 82 | 7.3% |
| New Jersey | 63 | 5.6% |
| Maryland | 12 | 1.1% |
| Florida | 8 | 0.7% |
| Virginia | 3 | 0.3% |
| Colorado | 1 | 0.1% |
| Georgia | 1 | 0.1% |
| Michigan | 1 | 0.1% |
| New York | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Philadelphia | 614 |
| Montgomery County-Bucks County-Chester County | 310 |
| Wilmington | 77 |
| Camden | 32 |
| Atlantic City-Hammonton | 14 |
| Lakewood-New Brunswick | 7 |
| Baltimore-Columbia-Towson | 5 |
| Lancaster | 5 |
| Reading | 5 |
| Scranton--Wilkes-Barre | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001CM06UK2XY3I18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 253981 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 520042 | 1990–2017 |
Established 1 January 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Franklin Mint Federal Credit Union's data.
Franklin Mint Federal Credit Union's data
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Franklin Mint 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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