Applications / Mortgage Analytics / Lenders / Pennsylvania / Penn State Federal Credit Union
Bellefonte, PA · Credit union · NCUA · $259 million assets · 163 loans in 2025
Penn State Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
163
loans originated, 2025
184
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Penn State Federal Credit Union, a one-county lender in State College, makes mostly refinance and home-improvement loans, and its lending jumped 79% in 2025.
It made 163 loans in 2025, up from 91. That rise of 79% compares with 8% for the typical similar lender (credit unions making between half and twice as many loans) and 10% for the market, and was faster than at about nine in ten peers. It is still short of the 186 loans of 2021. It filed no report for 2020, a gap in the record.
Refinances made up 43.6% of its loans and home improvement 30.7%. Purchases were only 11.7%. Its typical loan was $95,000, against $105,000 at similar lenders, and every loan was conventional.
All its lending is in one county, in the State College market, where PNC Bank leads. Borrowers with low and moderate incomes (LMI) took 30.1% of its loans, near the middle of similar lenders, down from 40.7% the year before. LMI neighborhoods took 13.8%, against 17.2%, and majority-minority areas none. Its single-county footprint may explain both.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Penn State Federal Credit Union took 184 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 43.6% · Home improvement 30.7% · Other 14.1% · Purchase 11.7%
Conventional 100.0% · of 163 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 | 87 | 53.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| State College | 87 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N4B8DUNK34FL02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 573586 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512729 | 1993–2017 |
Established 1 January 1959. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Penn State Federal Credit Union's data.
Penn State Federal Credit Union's data
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