Applications / Mortgage Analytics / Lenders / Maryland / Chessie Federal Credit Union
Cumberland, MD · Credit union · NCUA · $416 million assets · 140 loans in 2025
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140
loans originated, 2025
182
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Chessie Federal Credit Union is a refinance lender whose small loans reach poorer neighborhoods more often than most credit unions its size.
Refinances made up 79.3% of its loans and home purchases 17.9%. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at about four in five of them. Manufactured homes were 5.7% of its loans; at peers they were 0.0%.
Low- and moderate-income (LMI) areas took 26.4% of its loans, against 17.2% at peers, more than at over eight in ten of them. LMI borrowers took 37.9%, against 28.8%. Majority-minority areas took 3.6%, against 9.8%, which may reflect how few such areas lie where it lends.
It made 140 loans, up 9%, in line with peers' 9% and the whole market's 10%. That is still well below the 294 of 2021. Its typical rate was 6.25%, against 6.75% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Chessie Federal Credit Union took 182 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 79.3% · Purchase 17.9% · Home improvement 2.9%
Conventional 100.0% · of 140 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 |
|---|---|---|
| Maryland | 82 | 58.6% |
| West Virginia | 47 | 33.6% |
| Pennsylvania | 11 | 7.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Winchester | 4 |
| Hagerstown-Martinsburg | 3 |
| Gettysburg | 2 |
| Morgantown | 2 |
| Pittsburgh | 1 |
| York-Hanover | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T82SC9BPCIU410 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 625775 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55636 | 1993–2017 |
Established 1 January 1948. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Chessie Federal Credit Union's data.
Chessie Federal Credit Union's data
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Chessie 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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