Applications / Mortgage Analytics / Lenders / Pennsylvania / Tri County Area Federal Credit Union
Pottstown, PA · Credit union · NCUA · $202 million assets · 60 loans in 2025
Tri County Area Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
60
loans originated, 2025
107
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tri County Area Federal Credit Union lends mostly for home improvement and other purposes rather than for home purchases, and in 2025 its loans fell by more than half.
Home improvement accounted for 40.0% of its 60 loans in 2025 and other purposes for 41.7%; purchases were just 3.3%. That fits its small loans: the typical one was $60,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans). All of its lending was conventional, with no government-backed loans.
It made 60 loans, down from 137 the year before, a fall of 56% while similar lenders grew 7% and the whole market 10%. Its count had been steady for years, between 134 and 156 in most years since 2018, with a peak of 210 in 2022. Most of its loans are for home improvement and other purposes, and on so few loans a small drop in that kind of borrowing may move the count a long way. In Reading, one of its markets, its share slipped to 0.1% from 0.2%.
Borrowers with low or moderate incomes (LMI) took 44.4% of its loans, against 30.6% at similar lenders, more than at about four in five of them. Homes in LMI neighborhoods drew 23.3%, also above peers' 17.4%. It lent this way five years before too, when the two shares were 39.3% and 27.4%. It has reported under the Home Mortgage Disclosure Act since at least 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tri County Area Federal Credit Union took 107 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 41.7% · Home improvement 40.0% · Refinance 15.0% · Purchase 3.3%
Conventional 100.0% · of 60 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 | 60 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 44 |
| Reading | 14 |
| Allentown-Bethlehem-Easton | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W6S818WBYBBJ66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 783488 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56269 | 1990–2017 |
Established 1 January 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Tri County Area Federal Credit Union's data.
Tri County Area Federal Credit Union's data
$215
Tri County Area 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 Tri County Area 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]