Lending to owners, not buyers
None of its loans in 2025 financed a home purchase. All were refinances, home-improvement loans or loans for other purposes, and every one was conventional. All were made in a single county, in the Lancaster metro.
Applications / Mortgage Analytics / Lenders / Pennsylvania / Wheatland Federal Credit Union
Wheatland Federal Credit Union
Lancaster, PA · Credit union · NCUA · $67.1 million assets · 23 loans in 2025
Wheatland Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
23
loans originated, 2025
23
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wheatland Federal Credit Union is a very small Lancaster lender, and none of its 23 loans in 2025 financed a home purchase.
Up from a low base
It made 23 loans, against 14 in 2024, the same number it made in 2018. Its busiest recent year was 2022, with 46. It filed no report for 2020 or 2021; those are gaps in the record, not years without lending. It has filed since 1990, when the public record begins.
Too few loans to compare
Similar lenders are credit unions making between half and twice as many loans. With so few loans, its shares of borrower incomes, neighborhoods and rates rest on a handful of cases each, and say little about how it compares with them. In Lancaster it ranks 92nd of 365 lenders, with a 0.1% share; Guild Mortgage Company and Fulton Bank lead that market.
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
23 loans in 2025, against a peak of 46 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Wheatland Federal Credit Union took 23 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
47.8% of its 2025 loans were other loans; all were conventional loans.
Other 47.8% · Home improvement 26.1% · Refinance 26.1%
Conventional 100.0% · of 23 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, 1 metro, 1 county
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 23 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lancaster | 23 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XC63WNGFOIVV43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 361176 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51658 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Wheatland Federal Credit Union's data.
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