Applications / Mortgage Analytics / Lenders / New York / Teachers Federal Credit Union
Hauppauge, NY · Credit union · NCUA · $9.9 billion assets · 2,211 loans in 2025
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2,211
loans originated, 2025
3,893
applications, 2025
30
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Teachers Federal Credit Union buys loans from other lenders on a scale similar credit unions do not, 1,766 in 2025, alongside 2,211 loans of its own, in 30 states.
It bought 1,766 loans in 2025 and 2,152 the year before, while similar lenders (credit unions making between half and twice as many loans) typically bought none. It also lends far from its New York base: 101 metros in 30 states, with Los Angeles entered in 2021, San Jose in 2022 and San Francisco in 2023.
10.3% of its loans were jumbo (larger than the conforming limit), against 1.6% at similar lenders, higher than at more than nine in ten of them. Its typical loan is $155,000 against $115,000, and it lent $651.7 million in all, against $365.4 million, higher than more than four in five similar lenders.
Its loan count fell 3% while similar lenders rose 11% and the whole market 10%, among the lowest eighth of similar lenders. Its dollars rose from $526.9 million to $651.7 million while its typical loan grew from $125,000. Refinances (39.8%) and other purposes (41.7%) dominate its lending; purchases are 16.7%.
It turned down 9.3% of first-lien refinance applications on owner-occupied homes, against 19.9% at similar lenders, among the lowest sixth. 16.6% of its loans were in majority-minority tracts, against 12.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Teachers Federal Credit Union took 3,893 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 41.7% · Refinance 39.8% · Purchase 16.7% · Home improvement 1.6% · Not applicable 0.1%
Conventional 99.6% · VA 0.3% · FHA 0.1% · of 2,211 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 | 1,805 | 81.6% |
| California | 177 | 8.0% |
| Florida | 55 | 2.5% |
| New Jersey | 33 | 1.5% |
| North Carolina | 19 | 0.9% |
| Pennsylvania | 15 | 0.7% |
| Texas | 13 | 0.6% |
| Washington | 12 | 0.5% |
| Tennessee | 11 | 0.5% |
| Arizona | 9 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nassau County-Suffolk County | 1,678 |
| New York-Jersey City-White Plains | 114 |
| Oakland-Fremont-Berkeley | 43 |
| Anaheim-Santa Ana-Irvine | 39 |
| Los Angeles-Long Beach-Glendale | 26 |
| San Jose-Sunnyvale-Santa Clara | 22 |
| Riverside-San Bernardino-Ontario | 12 |
| San Diego-Chula Vista-Carlsbad | 12 |
| Charlotte-Concord-Gastonia | 11 |
| Tampa | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R8VPSFM828B312 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 491783 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58116 | 1990–2017 |
Established 1 January 1952. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Teachers Federal Credit Union's data.
Teachers Federal Credit Union's data
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Teachers 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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