Applications / Mortgage Analytics / Lenders / Pennsylvania / Lanco Federal Credit Union
Lancaster, PA · Credit union · NCUA · $124 million assets · 56 loans in 2025
Lanco Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
56
loans originated, 2025
75
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lanco Federal Credit Union, a small Lancaster credit union, makes few purchase loans and lends far more in poorer neighborhoods than most similar credit unions.
Home purchases made up only 5.4% of its loans in 2025. Refinances took 37.5%, home improvement 32.1% and other purposes 25.0%. Such loans are usually small, and its typical loan, $75,000, was below the $95,000 at similar lenders, credit unions making between half and twice as many loans.
Low- and moderate-income neighborhoods took 33.9% of its loans, against 17.4% at similar credit unions, higher than about nine in ten of them. Majority-minority neighborhoods took 23.2%, against 9.6%. Borrowers with low or moderate incomes took 31.9%, close to peers' 30.9%.
It made 56 loans, up 44% on 2024, while similar credit unions grew 7%. Its count has swung widely, from 168 loans in 2022 to 39 in 2024. On numbers like these, one year's change says little about direction.
In Lancaster, where it has lent since 1992, it ranked 74 of 365 lenders, and its share edged up to 0.2% from 0.1%. It also lends in Lebanon and York-Hanover, with very small shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lanco Federal Credit Union took 75 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.5% · Home improvement 32.1% · Other 25.0% · Purchase 5.4%
Conventional 100.0% · of 56 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 | 56 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lancaster | 52 |
| Lebanon | 2 |
| York-Hanover | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FK7ZHTO2G1RM11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 959685 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 516657 | 1992–2017 |
Established 1 January 1965. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Lanco Federal Credit Union's data.
Lanco Federal Credit Union's data
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Lanco 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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