Applications / Mortgage Analytics / Lenders / Pennsylvania / Discovery Federal Credit Union
Wyomissing, PA · Credit union · NCUA · $188 million assets · 112 loans in 2025
Discovery Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
112
loans originated, 2025
152
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Discovery Federal Credit Union lends mainly to fix up homes, not to buy them: home improvement made up half of its 112 loans in 2025.
Home improvement made up 50.0% of its loans and other purposes 25.0%. Purchases took only 2.7%. That mix fits its small loans: a typical $60,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at most of them.
Its loans rose 4%, from 108 to 112, near the middle of peers, whose count rose 8%. It made 186 loans in 2022 and 93 in 2023. It filed no report for 2020, a gap in the record rather than a year without lending. Its typical rate, 6.64%, was near peers' 6.75%, and none of its loans was higher-priced (a rate well above the average for similar loans).
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 5.4% of its loans, against 17.2% at peers, among the lowest twentieth. LMI borrowers took 26.9%, against 29.8%. Its footprint is narrow, just 3 counties, and they may hold few such neighborhoods.
In Reading, its largest market, it ranked 52 of 365 lenders with 0.4% of the market, unchanged from 2024. CrossCountry Mortgage led there, followed by Rocket Mortgage.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Discovery Federal Credit Union took 152 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.0% · Other 25.0% · Refinance 22.3% · Purchase 2.7%
Conventional 100.0% · of 112 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 | 112 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Reading | 109 |
| Allentown-Bethlehem-Easton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900DBXH1D6Z0HXT15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 37985 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512935 | 2011–2017 |
Established 1 January 1959. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Discovery Federal Credit Union's data.
Discovery Federal Credit Union's data
$215
Discovery 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 Discovery 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]