Gaining in Erie
Its share of Erie's $873.4M market rose from 1.5% to 1.7%. Marquette Savings Bank leads that market with $104.1M of loans. It has reported there since 1994, and its lending stays within three counties of Pennsylvania.
Applications / Mortgage Analytics / Lenders / Pennsylvania / Widget Federal Credit Union
Widget Federal Credit Union
Erie, PA · Credit union · NCUA · $467 million assets · 135 loans in 2025
Widget Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
135
loans originated, 2025
308
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Widget Federal Credit Union is a fixture of the Erie market, where it ranks 16 of 224 lenders and edged its share up in 2025.
Beyond the first mortgage
Home purchases made up 42.2% of its loans. Home improvement took 25.9% and other purposes 20.7%. Those smaller loans keep its typical loan, $95,000, a little below the $105,000 at similar lenders, meaning credit unions making between half and twice as many loans. Every loan was conventional.
Steady, at lower prices
Its loans rose 7% to 135, close to the 9% at similar lenders. Only 1.5% were higher-priced, meaning a rate well above the average for similar loans, against 2.7% at its peers. Its typical rate, 6.50%, was below their 6.75%.
Far below its peak
It made 419 loans in 2020, roughly three times its current pace. The count fell every year until 2024 and turned up only slightly 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
135 loans in 2025, against a peak of 419 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Widget Federal Credit Union took 308 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
42.2% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 42.2% · Home improvement 25.9% · Other 20.7% · Refinance 11.1%
Conventional 100.0% · of 135 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, 3 counties
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 135 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Erie | 128 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008YEXLNFKLF7548 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1011674 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51117 | 1994–2017 |
Established 1 January 1936. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Widget Federal Credit Union's data.
The data and the software behind these pages
Widget Federal Credit Union's data
$215
Widget 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 Widget 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]