Applications / Mortgage Analytics / Lenders / Pennsylvania / Benchmark Federal Credit Union
West Chester, PA · Credit union · NCUA · $296 million assets · 26 loans in 2025
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26
loans originated, 2025
46
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Benchmark Federal Credit Union has become a very small home-improvement lender in Pennsylvania, making 26 loans in 2025 against 144 in 2020.
Half its 2025 loans were for home improvement and 38.5% for other purposes. Refinances and purchases together made up about a tenth. Every loan was conventional, with no government backing. Its typical loan was $60,000, smaller than the $95,000 at similar lenders (credit unions making between half and twice as many loans), which fits a book of improvement and other loans rather than first mortgages.
It made 354 loans in 2022, then 53 in 2023 and 26 in each of the last two years. Five years earlier its typical loan was $225,000, which suggests it then made far more first mortgages. Its count held steady in 2025 while similar lenders' fell 5%. The record does not say why the 2022 surge ended so abruptly.
It has lent in the Philadelphia area since 1990 and keeps to seven counties in Pennsylvania. In every market it ranks in the bottom half: 512th of 784 in Philadelphia and 363rd of 365 in Reading.
With 26 loans a year, its shares of lending to poorer borrowers and neighborhoods swing widely and are too small to read much into. It reports no jumbo loans, larger than the conforming limit, in either of the past two years.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Benchmark Federal Credit Union took 46 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.0% · Other 38.5% · Refinance 7.7% · Purchase 3.8%
Conventional 100.0% · of 26 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 | 26 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 18 |
| Lancaster | 4 |
| Philadelphia | 2 |
| Reading | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DO51DW0RG07O39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 315478 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53738 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Benchmark Federal Credit Union's data.
Benchmark Federal Credit Union's data
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Benchmark 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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