Applications / Mortgage Analytics / Lenders / Pennsylvania / White Rose Credit Union
York, PA · Credit union · NCUA · $115 million assets · 53 loans in 2025
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53
loans originated, 2025
78
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
White Rose Credit Union, a small York lender, makes mostly small loans for purposes other than buying or refinancing a home, and it made two-fifths more of them in 2025.
Of its 53 loans in 2025, 81.1% were for other purposes, neither purchases nor refinances nor home improvement. Purchases were 15.1%. Its typical loan was $55,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans.
Its loans rose 39%, from 38 to 53, faster than about four in five similar lenders, which grew 5%. That is still well below the 119 it made in 2020, the high point of its record since 2018.
Its share of loans to low- and moderate-income borrowers was 37.7%, against 31.2% at similar lenders, higher than at about two-thirds of them. Its typical rate, 6.74%, sat near the middle of its peers.
York-Hanover is its main market, where it has lent since 2008. It ranks 92nd of 379 lenders there, with 0.1% of the market, unchanged from 2024. ACNB Bank leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. White Rose Credit Union took 78 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 81.1% · Purchase 15.1% · Refinance 3.8%
Conventional 100.0% · of 53 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 | 53 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| York-Hanover | 50 |
| Gettysburg | 2 |
| Harrisburg-Carlisle | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LQBQA3XIDZPS96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 983082 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568296 | 2008–2017 |
Established 1 January 1950. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: White Rose Credit Union's data.
White Rose Credit Union's data
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White Rose 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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