Applications / Mortgage Analytics / Lenders / Pennsylvania / Hershey Federal Credit Union
Hummelstown, PA · Credit union · NCUA · $124 million assets · 84 loans in 2025
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84
loans originated, 2025
88
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hershey Federal Credit Union, of Hummelstown, Pennsylvania, is chiefly a refinance lender: 82.1% of its 84 loans in 2025 refinanced an existing mortgage.
Refinances made up 82.1% of its loans and home purchases only 16.7%. Its typical loan was $130,000, against $95,000 at similar credit unions (those making between half and twice as many loans), higher than about three-quarters of them. None of its loans was higher-priced (carrying a rate well above the average for similar loans), against 3.4% at peers.
Its loans fell 14% in 2025, from 98 to 84, while the typical peer grew 7%; a bigger fall than about four in five similar credit unions saw. It followed a jump from 65 loans in 2023. It has made 65 loans or more every year since 2020, against 30 in 2019.
Its largest market is Harrisburg-Carlisle, where its share rose from 0.1% to 0.2%, putting it 78th of 396 lenders. Members 1st Federal Credit Union leads that market. It has lent there since 1995.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hershey Federal Credit Union took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 82.1% · Purchase 16.7% · Home improvement 1.2%
Conventional 100.0% · of 84 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 | 83 | 98.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Harrisburg-Carlisle | 45 |
| York-Hanover | 15 |
| Lancaster | 14 |
| Reading | 5 |
| Lebanon | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FVHSR5J0LNLQ61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 763088 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56095 | 1995–2017 |
Established 1 January 1949. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Hershey Federal Credit Union's data.
Hershey Federal Credit Union's data
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Hershey 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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