Applications / Mortgage Analytics / Lenders / Pennsylvania / Heritage Valley Federal Credit Union
York, PA · Credit union · NCUA · $129 million assets · 177 loans in 2025
Heritage Valley Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
177
loans originated, 2025
227
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage Valley Federal Credit Union makes few loans to buy homes: almost all its loans are small ones for home improvement or other purposes.
Home improvement made up 46.3% of its loans and other purposes 45.2%. Purchases were just 1.7%. Its typical loan, $55,000, was among the smallest of similar lenders, credit unions making between half and twice as many loans, whose typical loan was $105,000.
Low- and moderate-income (LMI) borrowers took 41.3% of its loans, more than at four in five similar lenders. Its shares in majority-minority neighborhoods, 3.5%, and LMI neighborhoods, 14.5%, were lower than its peers'. It lends in just 3 counties, so their make-up is a possible reason.
Its typical rate was 6.49%, against 6.75% at similar lenders, lower than at about seven in ten of them. Its share of higher-priced loans (a rate well above the average for similar loans), 3.4%, was near the middle.
Its loans rose 11%, to 177, against 7% at similar lenders. It made just 34 in 2018. It ranks 48 of 379 lenders in York-Hanover, where it has lent since 1994 and where ACNB Bank leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Heritage Valley Federal Credit Union took 227 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 46.3% · Other 45.2% · Refinance 6.8% · Purchase 1.7%
Conventional 100.0% · of 177 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 | 172 | 97.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| York-Hanover | 169 |
| Lancaster | 2 |
| Gettysburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JUZBXW5SUK5V79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 35776 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5303 | 1994–2017 |
Established 1 January 1935. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Heritage Valley Federal Credit Union's data.
Heritage Valley Federal Credit Union's data
$215
Heritage Valley 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.
Buy Heritage Valley Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]