Applications / Mortgage Analytics / Lenders / Pennsylvania / Philadelphia Federal Credit Union
Philadelphia, PA · Credit union · NCUA · $1.9 billion assets · 1,376 loans in 2025
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1,376
loans originated, 2025
2,486
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Philadelphia Federal Credit Union has nearly doubled its originations in five years, to 1,376, and lends in low- and moderate-income (LMI) and majority-minority areas far more than similar lenders.
It made 1,376 loans in 2025, up 11% on the year, against 764 five years before, and has grown every year since 2021. The typical similar lender (credit unions making between half and twice as many loans) grew 8%, and the whole market 10%. No merger appears in its history, so the growth appears to come from its own lending.
Home-improvement loans were 46.1% of originations, refinance 24.6%, other purposes 18.9% and home purchase only 10.4%. Its typical loan was $105,000, the same as similar lenders'.
Of its loans, 36.1% were in LMI areas, against 14.9% for the typical similar lender, the highest among them, and 49.4% were in majority-minority areas, against 9.9%. Its share of loans to LMI borrowers, 36.1%, was higher than about nine in ten similar lenders.
In Philadelphia-Camden-Wilmington, where it has lent since 1991, it ranked 53 of 784 lenders; CrossCountry Mortgage and Rocket Mortgage led there. It now lends in 27 metros across 7 states, with Erie and Wilmington, NC first entered in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Philadelphia Federal Credit Union took 2,486 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 46.1% · Refinance 24.6% · Other 18.9% · Purchase 10.4%
Conventional 100.0% · of 1,376 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 | 1,161 | 84.4% |
| New Jersey | 176 | 12.8% |
| Delaware | 24 | 1.7% |
| Florida | 7 | 0.5% |
| Maryland | 5 | 0.4% |
| South Carolina | 2 | 0.1% |
| North Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Philadelphia | 931 |
| Montgomery County-Bucks County-Chester County | 157 |
| Atlantic City-Hammonton | 98 |
| Camden | 64 |
| Wilmington | 20 |
| Lakewood-New Brunswick | 10 |
| Allentown-Bethlehem-Easton | 7 |
| Scranton--Wilkes-Barre | 7 |
| Harrisburg-Carlisle | 5 |
| Dover | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DYB1ZT3UOGPL20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 543084 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57238 | 1990–2017 |
Established 1 January 1951. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Philadelphia Federal Credit Union's data.
Philadelphia Federal Credit Union's data
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Philadelphia 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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