Applications / Mortgage Analytics / Lenders / Pennsylvania / AmeriChoice Federal Credit Union
Mechanicsburg, PA · Credit union · NCUA · $233 million assets · 125 loans in 2025
AmeriChoice Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
125
loans originated, 2025
182
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AmeriChoice Federal Credit Union makes small loans, mostly to refinance or for purposes other than buying a home, and its loans rose 13% in 2025, to 125.
Purchases were only 8.0% of its loans. Refinances took 37.6%, other purposes 32.0% and home improvement 22.4%. Its typical loan, $75,000, was smaller than the $105,000 at similar lenders (credit unions making between half and twice as many loans), in keeping with that mix.
Low- and moderate-income (LMI) borrowers took 33.0% of its loans, against 29.3% at peers. Five years before, the figure was 22.1%.
Its share of Harrisburg-Carlisle rose from 0.2% to 0.3%, ranking 67 of 396. Members 1st Federal Credit Union, Rocket Mortgage and United Wholesale Mortgage lead there. It has lent in the market since 1991.
Its loans rose 13%, against 8% at similar lenders and 10% across the market. That follows a slide from 228 loans in 2020 to 111 in 2024. Its typical rate, 6.49%, was lower than peers' 6.75%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AmeriChoice Federal Credit Union took 182 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.6% · Other 32.0% · Home improvement 22.4% · Purchase 8.0%
Conventional 100.0% · of 125 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 | 112 | 89.6% |
| Florida | 2 | 1.6% |
| North Carolina | 2 | 1.6% |
| New Jersey | 2 | 1.6% |
| Connecticut | 1 | 0.8% |
| Delaware | 1 | 0.8% |
| Michigan | 1 | 0.8% |
| Minnesota | 1 | 0.8% |
| Montana | 1 | 0.8% |
| Ohio | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Harrisburg-Carlisle | 62 |
| York-Hanover | 42 |
| Gettysburg | 3 |
| Charlotte-Concord-Gastonia | 2 |
| Bridgeport-Stamford-Danbury | 1 |
| Camden | 1 |
| Chambersburg | 1 |
| Columbus | 1 |
| Detroit-Dearborn-Livonia | 1 |
| Duluth | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930047YMR4VOMFGS35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 519986 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 520041 | 1990–2017 |
Established 1 January 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: AmeriChoice Federal Credit Union's data.
AmeriChoice Federal Credit Union's data
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AmeriChoice 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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