Applications / Mortgage Analytics / Lenders / Pennsylvania / Diamond Credit Union
Pottstown, PA · Credit union · NCUA · $1.2 billion assets · 852 loans in 2025
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852
loans originated, 2025
1,294
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Diamond Credit Union is a Pennsylvania credit union making small home-improvement and refinance loans, whose originations fell 19% in 2025 after six years of growth while similar lenders grew.
Originations fell 19% to 852 from 1,046, while the typical similar lender (credit unions making between half and twice as many loans) grew 8% and the whole market 10%; its growth was among the lowest tenth of similar lenders. The fall comes after a steady climb from 324 loans in 2018 to 1,046 in 2024, and it could reflect a pause after that run or a change in the loans it chose to offer.
Home improvement makes up 38.8% of its loans and refinances 30.8%, with purchases at 8.9%. Its typical loan, $75,000, is smaller than the $105,000 of similar lenders, among the lowest tenth, which fits that mix. All of its loans are conventional.
Its typical rate was 6.01%, against 7.00% at similar lenders, lower than most of them, and none of its loans were higher-priced (a rate well above the average for similar loans), against 1.7% at similar lenders.
It ranks 8 of 365 in Reading, but its share fell to 2.6% from 3.7%, in line with its own fall in originations; CrossCountry Mortgage leads that market. Its lending to low- and moderate-income (LMI) borrowers, 29.2%, and in LMI tracts, 16.3%, is close to similar lenders' and up from 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Diamond Credit Union took 1,294 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 38.8% · Refinance 30.8% · Other 21.5% · Purchase 8.9%
Conventional 100.0% · of 852 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 | 846 | 99.3% |
| Delaware | 3 | 0.4% |
| New Jersey | 3 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Reading | 536 |
| Montgomery County-Bucks County-Chester County | 247 |
| Lancaster | 11 |
| Allentown-Bethlehem-Easton | 10 |
| Philadelphia | 10 |
| Lebanon | 5 |
| Camden | 2 |
| Atlantic City-Hammonton | 1 |
| Harrisburg-Carlisle | 1 |
| Johnstown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490053H6JWQDX4RM47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 748571 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568241 | 1997–2017 |
Established 1 January 1947. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Diamond Credit Union's data.
Diamond Credit Union's data
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Diamond 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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