Applications / Mortgage Analytics / Lenders / Delaware / Community Powered Federal Credit Union
Bear, DE · Credit union · NCUA · $142 million assets · 16 loans in 2025
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16
loans originated, 2025
28
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Powered Federal Credit Union, of Bear, Delaware, made 16 mortgage loans in 2025, nearly all of them small loans for home improvement.
On so few loans this describes a year rather than a trend. Its typical loan was $45,000, less than half the $105,000 at similar lenders (credit unions making between half and twice as many loans) and smaller than at nearly all of them. Its loans came to $890,000 in all. Home-improvement loans tend to be for smaller sums than purchases, which may account for the gap. Only 6.3% of its lending went to buying homes.
Its loans fell 41% in 2025, to 16 from 27, while a typical similar lender shrank 10%. Its volume has swung between 11 and 37 loans a year since 2018, so one year's change says little. On so few loans, its shares of borrower groups and neighborhoods are too small to read much into.
It lends in four counties across three states, chiefly Delaware. It has filed in the Philadelphia-Camden-Wilmington market since 1990, and in Dover since 1994. Its Tampa lending is new: it first lent there in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Powered Federal Credit Union took 28 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 93.8% · Purchase 6.3%
Conventional 100.0% · of 16 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 |
|---|---|---|
| Delaware | 14 | 87.5% |
| Florida | 1 | 6.2% |
| Maryland | 1 | 6.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wilmington | 13 |
| Dover | 2 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N15SIAR55G5978 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 7689 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 515185 | 1990–2017 |
Established 1 January 1962. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Community Powered Federal Credit Union's data.
Community Powered Federal Credit Union's data
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Community Powered 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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