Applications / Mortgage Analytics / Lenders / Pennsylvania / Upper Darby Belltelco Federal Credit Union
Upper Darby, PA · Credit union · NCUA · $69.6 million assets · 45 loans in 2025
Upper Darby Belltelco Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
45
loans originated, 2025
45
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Upper Darby Belltelco Federal Credit Union is a home-improvement lender: almost all of its 45 loans in 2025 went to people fixing up or borrowing against homes they already own.
Home improvement made up 51.1% of its loans and other purposes 42.2%. Purchases were 4.4%. Its typical loan was $55,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), lower than at all but a few of them. Every loan was conventional.
It made 45 loans, down 12%, while similar lenders grew 3% and the whole market 10%. Its volume has moved within a narrow band for years, between 41 in 2020 and 60 in 2023, so one year's fall is a small change in absolute terms. It filed no HMDA report for 2018.
It has lent in the Philadelphia market since at least 1990 and ranks 433 of 784 lenders there, a long way behind CrossCountry Mortgage and Rocket Mortgage. A third of its loans, 33.3%, went to majority-minority neighborhoods, higher than at about four in five similar lenders.
Its share of loans to low- and moderate-income borrowers, 29.5%, is close to the 31.1% at peers. Its share in low- and moderate-income neighborhoods, 13.3%, is somewhat lower than peers' 17.4% and fell from 23.5% a year earlier. On 45 loans, a handful of loans either way moves these shares a good deal.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Upper Darby Belltelco Federal Credit Union took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 51.1% · Other 42.2% · Purchase 4.4% · Refinance 2.2%
Conventional 100.0% · of 45 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 | 33 | 73.3% |
| New Jersey | 8 | 17.8% |
| Delaware | 3 | 6.7% |
| Maryland | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Philadelphia | 30 |
| Camden | 6 |
| Wilmington | 4 |
| Montgomery County-Bucks County-Chester County | 3 |
| Atlantic City-Hammonton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490040IBIKTOL1DJ85 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 426673 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53819 | 1990–2016 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Upper Darby Belltelco Federal Credit Union's data.
Upper Darby Belltelco Federal Credit Union's data
$215
Upper Darby Belltelco 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.
Buy Upper Darby Belltelco Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]