Applications / Mortgage Analytics / Lenders / Pennsylvania / Belco Community Credit Union
Harrisburg, PA · Credit union · NCUA · $971 million assets · 704 loans in 2025
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704
loans originated, 2025
1,216
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Belco Community Credit Union is a Pennsylvania credit union that makes small refinance, home-improvement and other-purpose loans and almost no purchase loans, and its originations fell 12% to 704 in 2025 while similar lenders grew 6%.
Refinances were 34.8% of its loans, home improvement 33.7% and other purposes 31.0%; purchases were 0.6%. That mix could explain its small loans: the typical loan was $65,000, among the lowest of similar lenders (credit unions making between half and twice as many loans), against $105,000, and its dollar volume was $62.7 million, against $102.5 million.
It ranked 30 of 396 lenders in Harrisburg-Carlisle and 32 of 365 in Lancaster, with its share down 0.2 points to 0.7% in each. Its share in Gettysburg fell 0.4 points to 0.9%. These falls may follow from its fewer loans in a year the whole market grew 10%; 2024's 804 loans were high by its own record, and 704 is above its 2023 level of 564.
It made 183 loans in 2020 and 737 in 2021, and between 564 and 961 a year since. These figures do not show what drove the change.
LMI (low- and moderate-income) borrowers took 29.3% of its loans, against 27.3% at similar lenders, and LMI areas 13.4%, against 15.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Belco Community Credit Union took 1,216 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 34.8% · Home improvement 33.7% · Other 31.0% · Purchase 0.6%
Conventional 100.0% · of 704 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 | 700 | 99.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Harrisburg-Carlisle | 252 |
| Lancaster | 226 |
| York-Hanover | 87 |
| Gettysburg | 65 |
| Lebanon | 40 |
| Chambersburg | 8 |
| Reading | 4 |
| Montgomery County-Bucks County-Chester County | 2 |
| Pittsburgh | 2 |
| Johnstown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JBMMNIOX7XU115 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 534970 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568256 | 1998–2017 |
Established 1 January 1939. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Belco Community Credit Union's data.
Belco Community Credit Union's data
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Belco Community 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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