Applications / Mortgage Analytics / Lenders / Pennsylvania / Phoenixville Federal Bank and Trust
Phoenixville, PA · Savings institution · FDIC · $641 million assets · 67 loans in 2025
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67
loans originated, 2025
95
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Phoenixville Federal Bank and Trust, a Pennsylvania savings institution that has filed since at least 1990, lends much less than it did five years ago, and its loans fell again in 2025.
It made 67 loans, down 20% on 2024, while similar lenders, savings institutions making between half and twice as many loans, grew 2% and the whole market 10%. Its peak came in 2020, with 187 loans, and this year's total is closer to the 87 of 2018. It may have chosen to lend less, or lost business to rivals; the figures do not say which.
Purchases were 43.3% of its loans. Another 23.9% were for other purposes and 16.4% for home improvement, with refinances at 16.4%. So two in five of its loans were not for buying or refinancing a home. All its loans were conventional.
Its typical loan was $245,000, the same as at similar lenders. Some 29.3% of its loans went to low- and moderate-income borrowers, against 25.7% at peers, a little above the middle. Its share in majority-minority neighborhoods, 7.5%, is close to the peer figure of 7.0%.
Philadelphia-Camden-Wilmington, a market it has served since at least 1990, is its largest. There it ranks 232 of 784 lenders, far behind CrossCountry Mortgage and Rocket Mortgage. Elsewhere its share rounds to zero. It was a savings and loan association until a change of name in 2002.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Phoenixville Federal Bank and Trust took 95 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.3% · Other 23.9% · Home improvement 16.4% · Refinance 16.4%
Conventional 100.0% · of 67 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 | 60 | 89.6% |
| New Jersey | 6 | 9.0% |
| Delaware | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 53 |
| Atlantic City-Hammonton | 3 |
| Philadelphia | 3 |
| Reading | 3 |
| Allentown-Bethlehem-Easton | 2 |
| Camden | 1 |
| Trenton-Princeton | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L4I0NP22SUIE86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 824671 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44504 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1704504 | 2011–2014 |
| Respondent ID (the HMDA filer code before 2018) | 329995 | 2015–2017 |
Established 1 January 1911. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Phoenixville Federal Bank and Trust's data.
Phoenixville Federal Bank and Trust's data
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Phoenixville Federal Bank and Trust 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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