No loans to buyers
Its 2025 loans split almost evenly: refinancing 35.5%, other purposes 33.9% and home improvement 30.6%. It made no purchase loans. Every loan was conventional.
Applications / Mortgage Analytics / Lenders / Pennsylvania / Titan Federal Credit Union
Titan Federal Credit Union
Pleasant Gap, PA · Credit union · NCUA · $67.6 million assets · 62 loans in 2025
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62
loans originated, 2025
63
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Titan Federal Credit Union, a small Pennsylvania credit union, lends only to people who already own their homes, and in small amounts.
Small loans, low rates
The typical loan was $55,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than all but a few of them. Its typical rate, 5.75%, was below the 6.75% of similar lenders and lower than more than nine in ten of them.
Flat volume
It made 62 loans, against 64 the year before, a fall of 3% while similar lenders grew 7%. A fall that small says little. Over a longer run volume has edged up, from 47 in 2018. It filed no report for 2020 to 2022, so those years are a gap in the record.
A fixture in State College
State College is its main market, where it has lent since 2010. It ranked 30 of 192 lenders, with a share of 0.4% against 0.5% the year before, a dip that a loan or two could explain. PNC Bank led the market. In 2025 it began lending in Erie.
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
62 loans in 2025, against a peak of 64 in 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Titan Federal Credit Union took 63 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
35.5% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 35.5% · Other 33.9% · Home improvement 30.6%
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
1 state, 3 metros, 6 counties
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 62 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| State College | 51 |
| Altoona | 1 |
| Erie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ON5KYAZSCPF582 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 189277 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51882 | 2010–2017 |
Established 1 January 1937. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Titan Federal Credit Union's data.
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