Applications / Mortgage Analytics / Lenders / New York / FourLeaf Federal Credit Union
Bethpage, NY · Credit union · NCUA · $14.0 billion assets · 7,240 loans in 2025
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7,240
loans originated, 2025
17,668
applications, 2025
49
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FourLeaf Federal Credit Union lends mostly for home improvement and refinancing, with purchase loans only 10.8% of its lending, and it made 20% fewer loans in 2025 while similar lenders grew.
Originations fell to 7,240 from 9,086, the lowest growth among similar lenders (credit unions making between half and twice as many loans), whose typical growth was 9%. Its count has moved up and down since 2018 rather than trending, so one year may say little about direction.
Its typical loan of $175,000 and its jumbo share (loans larger than the conforming limit) of 5.5% were both higher than more than four in five similar lenders, and its $2.12 billion in loans was well above the peer level.
Loans in LMI (low- and moderate-income) areas were 9.3% against 15.0%, among the lowest of similar lenders. Lending in majority-minority areas, 18.9% against 9.1%, was higher than about six in ten. Its lending centred on New York, where it ranks 24 of 802, may explain both.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FourLeaf Federal Credit Union took 17,668 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.5% · Refinance 28.3% · Other 21.4% · Purchase 10.8%
Conventional 99.5% · FHA 0.5% · of 7,240 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 |
|---|---|---|
| New York | 4,085 | 56.4% |
| California | 552 | 7.6% |
| Florida | 358 | 4.9% |
| New Jersey | 336 | 4.6% |
| Georgia | 195 | 2.7% |
| North Carolina | 136 | 1.9% |
| Connecticut | 119 | 1.6% |
| Pennsylvania | 113 | 1.6% |
| Illinois | 112 | 1.5% |
| Washington | 111 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nassau County-Suffolk County | 3,395 |
| New York-Jersey City-White Plains | 663 |
| Los Angeles-Long Beach-Glendale | 137 |
| Atlanta-Sandy Springs-Roswell | 118 |
| Newark | 101 |
| Lakewood-New Brunswick | 98 |
| Chicago-Naperville-Schaumburg | 88 |
| Bridgeport-Stamford-Danbury | 80 |
| Arlington-Alexandria-Reston | 70 |
| San Diego-Chula Vista-Carlsbad | 70 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KTR1JGH3K6LU06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 136374 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54735 | 1990–2017 |
Established 1 January 1941. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: FourLeaf Federal Credit Union's data.
FourLeaf Federal Credit Union's data
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FourLeaf 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.
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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.
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