Applications / Mortgage Analytics / Lenders / Pennsylvania / Freedom Credit Union
Warminster, PA · Credit union · NCUA · $1.5 billion assets · 382 loans in 2025
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382
loans originated, 2025
563
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Freedom Credit Union lends mostly for home improvement and other purposes rather than home buying, and more of its loans go to poorer and majority-minority neighborhoods than at most similar credit unions.
Home improvement made up 39.5% of its loans and other purposes 32.7%; purchases were only 7.9%. Its typical loan was $85,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). Its typical rate, 6.25%, was lower than their 6.99%.
Low- and moderate-income (LMI) neighborhoods took 22.6% of its loans, against 15.4% at similar lenders, more than at about seven in eight of them. Majority-minority areas took 24.3%, against 11.9%. Its home market, Philadelphia-Camden-Wilmington, where it ranks 173 of 784 lenders, is a possible reason.
It bought 66 loans in 2025 and 69 in 2024. The typical similar lender bought none, and so did the credit union itself five years before.
It made 382 loans in 2025, 16% fewer than in 2024, while similar lenders grew 6% and the whole market 10%. Its growth was lower than at about nine in ten peers. It made 771 loans in 2019. Its typical loan has shrunk from $115,000 five years before, which may mean fewer purchase and refinance loans and more small home-improvement ones.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Freedom Credit Union took 563 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.5% · Other 32.7% · Refinance 19.9% · Purchase 7.9%
Conventional 100.0% · of 382 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 | 337 | 88.2% |
| New Jersey | 42 | 11.0% |
| Delaware | 3 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 186 |
| Philadelphia | 134 |
| Camden | 29 |
| Atlantic City-Hammonton | 9 |
| Allentown-Bethlehem-Easton | 4 |
| Lakewood-New Brunswick | 3 |
| Pittsburgh | 3 |
| Wilmington | 3 |
| York-Hanover | 2 |
| Erie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JNYMHRVCGKK706 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 511793 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560275 | 2004–2017 |
Established 1 January 1934. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Freedom Credit Union's data.
Freedom Credit Union's data
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Freedom 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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