Applications / Mortgage Analytics / Lenders / Pennsylvania / Inspire Federal Credit Union
Newtown, PA · Credit union · NCUA · $405 million assets · 62 loans in 2025
Inspire Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
62
loans originated, 2025
121
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Inspire Federal Credit Union, of Newtown, Pennsylvania, makes small home-improvement and other loans, and more than half go to low- and moderate-income borrowers.
Other purposes took 43.5% of its loans and home improvement 38.7%; purchases took 11.3% and refinancing 6.5%. Its typical loan was $55,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at all but about a twentieth of them.
Low- and moderate-income borrowers took 51.6% of its loans, against 30.9% at similar lenders, more than at nine in ten of them. Loans in low- and moderate-income neighborhoods made up 38.7%, against 17.4%.
It made 62 loans, down 3%, while similar lenders grew 7%. It made 108 in 2023 and 114 in 2020. Its count has swung before, to 69 in 2021, so a lower year need not mark a lasting change.
It lends mainly around Philadelphia, where it ranks 383 of 784 lenders, and has reported since 2003. In a market led by CrossCountry Mortgage and Rocket Mortgage, 62 loans leave its share too small to register.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Inspire Federal Credit Union took 121 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 43.5% · Home improvement 38.7% · Purchase 11.3% · Refinance 6.5%
Conventional 100.0% · of 62 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 | 58 | 93.5% |
| New Jersey | 4 | 6.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 55 |
| Philadelphia | 3 |
| Atlantic City-Hammonton | 2 |
| Lakewood-New Brunswick | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U001ZTHCHO4196 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1864384 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51759 | 2003–2017 |
Established 1 January 1936. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Inspire Federal Credit Union's data.
Inspire Federal Credit Union's data
$215
Inspire 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 Inspire 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]