Applications / Mortgage Analytics / Lenders / Pennsylvania / MC Federal Credit Union
Danville, PA · Credit union · NCUA · $243 million assets · 124 loans in 2025
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124
loans originated, 2025
160
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MC Federal Credit Union, a small Pennsylvania credit union, lends evenly for refinancing, purchases and other purposes, and its 124 loans in 2025 were 9% fewer than in 2024.
Refinances made up 30.6% of its loans, purchases and other purposes 26.6% each. All were conventional. Its typical loan, $85,000, was smaller than the $105,000 at similar lenders (credit unions making between half and twice as many loans).
It filed no HMDA report for 2020 to 2022, so those years are a gap in the record, not years without lending. It made 150 loans in 2023 and 124 in 2025, against 54 in 2018. Its 9% fall in 2025 was larger than at about three in four similar lenders, whose lending rose 8%.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 23.4% of its loans, more than at about three in four similar lenders, where the share was 17.3%. LMI borrowers took 33.3%, against 29.3%. With only 124 loans, these shares can swing from year to year.
Its largest market is non-metro Pennsylvania, where it has lent since 2001. In Williamsport it ranks 92 of 153 lenders with 0.1% of the market, down 0.1 points. A share that small can move with a handful of loans. Journey Bank leads there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. MC Federal Credit Union took 160 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 30.6% · Other 26.6% · Purchase 26.6% · Home improvement 16.1%
Conventional 100.0% · of 124 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 | 122 | 98.4% |
| Delaware | 1 | 0.8% |
| North Carolina | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Williamsport | 3 |
| Durham-Chapel Hill | 1 |
| Pittsburgh | 1 |
| Scranton--Wilkes-Barre | 1 |
| York-Hanover | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006RLJ90VH94SV71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 49988 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59493 | 2001–2003 |
| Respondent ID (the HMDA filer code before 2018) | 568655 | 2015–2017 |
Established 1 January 1954. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: MC Federal Credit Union's data.
MC Federal Credit Union's data
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MC 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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