Applications / Mortgage Analytics / Lenders / Pennsylvania / Tendto Federal Credit Union
Erie, PA · Credit union · NCUA · $140 million assets · 41 loans in 2025
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41
loans originated, 2025
56
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tendto Federal Credit Union, a small Erie credit union, makes mostly home-improvement loans and no purchase loans.
Home improvement made up 65.9% of its loans and refinances 31.7%; it made no purchase loans. Its typical loan was $65,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans). Every loan was conventional.
Its loans rose from 33 to 41, faster than about seven in ten similar lenders, which grew 3%. It filed no HMDA report for 2020 to 2022, so its record has a gap there; it made 57 loans in 2019.
Its share of loans to low- and moderate-income borrowers jumped from 17.2% in 2024 to 45.0% in 2025, against 31.5% at similar lenders. On 41 loans a handful of borrowers can move that figure so far, so neither year says much.
In Erie, PA, where it first reported in 2004, it holds 0.3%, unchanged, placing it 41 of 224 lenders. Marquette Savings Bank leads 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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Tendto Federal Credit Union took 56 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 65.9% · Refinance 31.7% · Other 2.4%
Conventional 100.0% · of 41 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 | 41 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Erie | 40 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JLK2AVVQONWA53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 755896 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563648 | 2004–2017 |
Established 1 January 1976. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Tendto Federal Credit Union's data.
Tendto Federal Credit Union's data
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