Applications / Mortgage Analytics / Lenders / Pennsylvania / Erie Federal Credit Union
Erie, PA · Credit union · NCUA · $796 million assets · 415 loans in 2025
Erie Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
415
loans originated, 2025
666
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Erie Federal Credit Union lends mainly to people fixing up or refinancing homes they already own, and in 2025 it won a bigger slice of the Erie market, where it ranks sixth.
Home improvement made up 41.0% of its loans and refinances 31.8%. Home purchases were only 12.3%. That makes for small loans: its typical loan was $55,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), and almost none of them made smaller ones.
It has lent in Erie since at least 1990. Its share there rose to 4.7% from 4.0%, ranking it 6 of 224 lenders; Marquette Savings Bank leads. Its loan count grew 5%, near the middle of its peers and below the whole market's 10%, so the gain in share came while its own growth was modest.
Its typical rate was 6.25%, against 6.99% at similar lenders, lower than about four in five of them. None of its loans were higher-priced (a rate well above the average for similar loans), against 1.9% at peers.
Low- and moderate-income (LMI) borrowers took 34.4% of its loans, against 27.5% at peers, more than about three in four of them. Majority-minority neighborhoods took 2.2%, against 11.2%. It lends in just two counties, and the share may reflect how few such neighborhoods they hold.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Erie Federal Credit Union took 666 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 41.0% · Refinance 31.8% · Other 14.9% · Purchase 12.3%
Conventional 100.0% · of 415 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 | 415 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Erie | 398 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FL5GANFX0HMU45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 299671 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51476 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Erie Federal Credit Union's data.
Erie Federal Credit Union's data
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Erie 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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