Applications / Mortgage Analytics / Lenders / Pennsylvania / 1st Ed Credit Union
Chambersburg, PA · Credit union · NCUA · $139 million assets · 12 loans in 2025
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12
loans originated, 2025
19
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
1st Ed Credit Union, a Chambersburg, Pennsylvania, credit union, made only 12 loans in 2025, down from 51 the year before.
Its loans fell 76% in 2025. Similar lenders, credit unions making between half and twice as many loans, saw theirs fall 19%, while the whole market grew 10%. It made between 31 and 51 loans a year in the years it reported from 2018 to 2024; it filed no report for 2021 or 2022. Part of the drop may be shared with its peers; on so few loans, a handful of borrowers more or fewer could account for the rest.
It lends in one state, three metro areas and five counties, and has reported since 2016. Chambersburg is its largest market. Its share there fell 0.3 points, to 0.1%, and it ranked 141 of 228; the fall in its own loan count is enough to account for that. Farmers and Merchants Trust Company of Chambersburg and Patriot FCU lead that market.
Every loan was conventional. On 12 loans its shares of lending to low- and moderate-income borrowers and neighborhoods, its loan sizes and its typical rate say little, since a single loan moves each of them by several points.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. 1st Ed Credit Union took 19 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 58.3% · Other 25.0% · Home improvement 8.3% · Purchase 8.3%
Conventional 100.0% · of 12 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 | 12 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chambersburg | 6 |
| Gettysburg | 1 |
| York-Hanover | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W75G5512S0BN41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 94997 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565412 | 2016–2017 |
Established 1 January 1938. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: 1st Ed Credit Union's data.
1st Ed Credit Union's data
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1st Ed 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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