Applications / Mortgage Analytics / Lenders / Pennsylvania / New Cumberland Federal Credit Union
New Cumberland, PA · Credit union · NCUA · $229 million assets · 89 loans in 2025
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89
loans originated, 2025
128
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
New Cumberland Federal Credit Union makes small home-improvement loans, and nearly half its borrowers have modest incomes.
Home improvement accounted for 48.3% of its 89 loans in 2025 and purchases for just 1.1%. Its typical loan, $55,000, is among the smallest at similar credit unions, those making between half and twice as many loans, where the figure is $95,000. Its typical rate, 6.74%, is near the middle of the group.
Low- and moderate-income borrowers took 48.3% of its loans, against 30.4% at similar credit unions, more than at about nine in ten of them. Yet only 7.9% of its loans went to low- and moderate-income neighborhoods, against 17.3%. Small repair loans may suit owners of modest means wherever they live; the neighborhoods of the areas it serves are one possible reason for the second figure.
It made 166 loans in 2018 and 89 in 2025, a little fewer almost every year. Similar credit unions grew 7% in 2025, while its count barely moved from 90. It has lent in Harrisburg-Carlisle, York-Hanover and Lancaster since at least 1990, and holds 0.1% of the Harrisburg-Carlisle market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. New Cumberland Federal Credit Union took 128 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 48.3% · Other 27.0% · Refinance 23.6% · Purchase 1.1%
Conventional 100.0% · of 89 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 | 89 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Harrisburg-Carlisle | 42 |
| York-Hanover | 34 |
| Lancaster | 5 |
| Lebanon | 4 |
| Gettysburg | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
| Reading | 1 |
| State College | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JU5OLW9ZB5C595 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 510581 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58110 | 1990–2017 |
Established 1 January 1952. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: New Cumberland Federal Credit Union's data.
New Cumberland Federal Credit Union's data
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New Cumberland 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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