Applications / Mortgage Analytics / Lenders / Pennsylvania / Service 1st Federal Credit Union
Danville, PA · Credit union · NCUA · $783 million assets · 754 loans in 2025
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754
loans originated, 2025
832
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Service 1st Federal Credit Union makes mostly small loans for purposes other than purchase, refinance or home improvement, and its lending has risen from 177 loans in 2023 to 754.
It made 177 loans in 2023, 669 in 2024 and 754 in 2025. The 2025 rise of 13% was faster than the 8% at similar lenders (credit unions making between half and twice as many loans), near the middle of the group. The fact pack shows no merger, so the source of the 2024 jump is not shown.
Other purposes made up 61.7% of its loans, home improvement 15.0%, refinance 14.9% and purchase 8.5%. Its typical loan was $75,000, against $105,000 at similar lenders, among the lowest tenth.
In Williamsport, PA, where it has lent since 1995, it ranks 12 of 153 with 2.4% of lending, up from 1.2%; Journey Bank and Jersey Shore State Bank rank first and second. Its largest market is non-metro Pennsylvania, where it ranks 18 of 643.
Its higher-priced share (a rate well above the average for similar loans) was 0.1%, down from 19.6% five years before, and lower than more than four in five similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Service 1st Federal Credit Union took 832 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 61.7% · Home improvement 15.0% · Refinance 14.9% · Purchase 8.5%
Conventional 100.0% · of 754 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 | 750 | 99.5% |
| New Jersey | 2 | 0.3% |
| Florida | 1 | 0.1% |
| Michigan | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Williamsport | 75 |
| Scranton--Wilkes-Barre | 70 |
| Montgomery County-Bucks County-Chester County | 7 |
| State College | 3 |
| Allentown-Bethlehem-Easton | 2 |
| Harrisburg-Carlisle | 2 |
| Philadelphia | 2 |
| Newark | 1 |
| New York-Jersey City-White Plains | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DQW5P73YGBL063 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 776686 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 522128 | 1994–2017 |
Established 1 January 1975. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Service 1st Federal Credit Union's data.
Service 1st Federal Credit Union's data
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