Applications / Mortgage Analytics / Lenders / Delaware / Louviers Federal Credit Union
Newark, DE · Credit union · NCUA · $220 million assets · 37 loans in 2025
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37
loans originated, 2025
38
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Louviers Federal Credit Union is a home-improvement lender, and a growing share of its small loans goes to low- and moderate-income borrowers.
Home-improvement loans made up 51.4% of its 37 loans in 2025 and refinances 29.7%; purchases were just 2.7%. Its typical loan, $65,000, was smaller than the $90,000 at similar lenders, the credit unions making between half and twice as many loans.
Low- and moderate-income borrowers took 43.2% of its loans, against 31.5% at similar lenders, a higher share than more than three-quarters of them. That share was 30.6% in 2024 and 20.9% in 2020. Poorer neighborhoods (low- and moderate-income tracts) took 25.0%, against 17.4%.
None of its loans was higher-priced (a rate well above the average for similar loans), against 3.1% at similar lenders. Its typical rate, 6.50%, was lower than their 6.75%. Its volume barely moved: 36 loans in 2024, 37 in 2025.
It has lent in the Philadelphia area since at least 1990 and ranks 428 of 784 lenders there. It merged with Chestnut RUN Federal Credit Union in 2016. With fewer than 40 loans a year, its shares can swing on a handful of loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Louviers Federal Credit Union took 38 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 51.4% · Refinance 29.7% · Other 16.2% · Purchase 2.7%
Conventional 100.0% · of 37 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 |
|---|---|---|
| Delaware | 32 | 86.5% |
| Pennsylvania | 3 | 8.1% |
| New Jersey | 2 | 5.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wilmington | 30 |
| Montgomery County-Bucks County-Chester County | 3 |
| Camden | 1 |
| Dover | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900CXHYTQMHXRX530 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 777982 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518765 | 1990–2017 |
Established 1 January 1968. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Louviers Federal Credit Union's data.
Louviers Federal Credit Union's data
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Louviers 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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