Applications / Mortgage Analytics / Lenders / Pennsylvania / Lebanon Federal Credit Union
Lebanon, PA · Credit union · NCUA · $525 million assets · 326 loans in 2025
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326
loans originated, 2025
393
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lebanon Federal Credit Union is a Pennsylvania credit union that mostly refinances and improves existing homes, and it ranks 11 of 213 lenders in Lebanon, its home market.
Refinances made up 45.7% of its loans, home improvement 22.4% and purchases 20.9%. Its typical loan was $85,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), lower than at about four in five. A mix that leans away from purchases could account for that.
In Lebanon, PA, where it has lent since 1992, its share fell by 1.4 points, from 4.3% to 2.9%. CrossCountry Mortgage led. In Harrisburg-Carlisle its share slipped to 0.1%. Yet the money it lent rose from $40.6 million to $43.2 million, so both falls may reflect rivals' growth rather than less lending. Shares are measured in dollars, so its small loans also make it look smaller than its loan count suggests.
It made 326 loans, 6% more than in 2024, close to the 7% at similar lenders and below the whole market's 10%. It has made between 259 and 351 loans every year since 2019.
Borrowers with low or moderate incomes (LMI) took 30.9% of its loans, against 27.5% at similar lenders, higher than at about three in five. LMI neighborhoods took 16.9%, near the middle of its 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lebanon Federal Credit Union took 393 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 45.7% · Home improvement 22.4% · Purchase 20.9% · Other 11.0%
Conventional 100.0% · of 326 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 | 261 | 80.1% |
| Georgia | 3 | 0.9% |
| Maryland | 1 | 0.3% |
| South Carolina | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lebanon | 206 |
| Reading | 22 |
| Harrisburg-Carlisle | 13 |
| Lancaster | 7 |
| State College | 2 |
| Allentown-Bethlehem-Easton | 1 |
| Baltimore-Columbia-Towson | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GR3G0K8VJOH721 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 825780 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 519510 | 1992–2017 |
Established 1 January 1969. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Lebanon Federal Credit Union's data.
Lebanon Federal Credit Union's data
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Lebanon 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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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.
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