Applications / Mortgage Analytics / Lenders / Pennsylvania / Patriot Federal Credit Union
Chambersburg, PA · Credit union · NCUA · $1.3 billion assets · 700 loans in 2025
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700
loans originated, 2025
1,109
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Patriot Federal Credit Union is a home-improvement lender of small loans, and it ranks 2 of 228 lenders in Chambersburg, PA.
Home improvement made up 45.4% of its loans in 2025, refinancing 24.1% and home purchase only 10.4%. Its typical loan of $65,000 was smaller than at nearly all similar lenders (credit unions making between half and twice as many loans), where the typical loan was $105,000, and it made no jumbo loans (larger than the conforming limit).
In Chambersburg, PA, where it has lent since 1996, it ranks 2 of 228 with 6.0% of lending, behind Farmers and Merchants Trust Company of Chambersburg and ahead of Rocket Mortgage. Its share slipped from 6.3%. A change of a few tenths of a point can follow from a handful of larger loans by competitors, and because its loans are small, its dollar share understates how many homeowners it lends to.
It made 700 loans, down 3% from 721, while similar lenders grew 6% and the whole market 10%; its growth was lower than about seven in ten similar lenders. Its originations reached 1,002 in 2020 and fell to 457 in 2023.
Its typical rate was 4.99%, against 7.00% at similar lenders, lower than at nearly all of them. Its higher-priced share (a rate well above the average for similar loans) was 1.6%, near the middle of the group.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Patriot Federal Credit Union took 1,109 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 45.4% · Refinance 24.1% · Other 20.0% · Purchase 10.4%
Conventional 99.7% · USDA (RHS or FSA) 0.3% · of 700 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 | 480 | 68.6% |
| Maryland | 162 | 23.1% |
| West Virginia | 52 | 7.4% |
| Virginia | 6 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chambersburg | 417 |
| Hagerstown-Martinsburg | 148 |
| Frederick-Gaithersburg-Bethesda | 51 |
| Harrisburg-Carlisle | 26 |
| Gettysburg | 15 |
| Arlington-Alexandria-Reston | 10 |
| Baltimore-Columbia-Towson | 6 |
| Winchester | 3 |
| Altoona | 2 |
| Pittsburgh | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IWSSP83SNIPE63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 630984 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 516574 | 1995–2017 |
Established 1 January 1965. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Patriot Federal Credit Union's data.
Patriot Federal Credit Union's data
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Patriot 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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