Applications / Mortgage Analytics / Lenders / Pennsylvania / Choice One Community Federal Credit Union
Plains Township, PA · Credit union · NCUA · $127 million assets · 88 loans in 2025
Choice One Community Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
88
loans originated, 2025
113
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Choice One Community Federal Credit Union rarely finances home purchases; it refinances and pays for home improvements, in small loans that often go to poorer borrowers and neighborhoods.
Refinances made up 67.0% of its loans and home improvement 26.1%; purchases were just 5.7%. Its typical loan was $55,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans. That puts it among the lowest twentieth of them.
Low- and moderate-income (LMI) borrowers took 38.6% of its loans, against 30.3% at peers, more than at three-quarters of similar lenders. LMI neighborhoods took 29.5%, against 17.2%, more than at four in five.
Its typical rate was 6.74%, against 6.75% at peers. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.5% at peers.
It made 88 loans, against 95 in 2024, a fall of 7%, while similar lenders grew 7%. It ranked 68 of 395 lenders in Scranton--Wilkes-Barre, where it has lent since 1991, with 0.3% of the market, down 0.1 points. Rocket Mortgage led. With small loans and fewer than a hundred of them, a few loans either way can move its share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Choice One Community Federal Credit Union took 113 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 67.0% · Home improvement 26.1% · Purchase 5.7% · Other 1.1%
Conventional 100.0% · of 88 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 | 88 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Scranton--Wilkes-Barre | 86 |
| Allentown-Bethlehem-Easton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DA1N0K2LJI0471 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 412274 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54240 | 1991–2017 |
Established 1 January 1941. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Choice One Community Federal Credit Union's data.
Choice One Community Federal Credit Union's data
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Choice One Community 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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