Applications / Mortgage Analytics / Lenders / New York / Jovia Financial Federal Credit Union
Westbury, NY · Credit union · NCUA · $4.5 billion assets · 1,842 loans in 2025
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1,842
loans originated, 2025
3,655
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jovia Financial Federal Credit Union is a New York credit union lending mainly for home improvement and other purposes, with home purchases only 5.4% of its loans.
Home improvement made up 46.9% of its loans, other purposes 28.0%, refinances 19.7% and home purchases 5.4%. All of it, 100.0%, was conventional, as at most similar lenders (credit unions making between half and twice as many loans).
Its typical rate was 5.99%, against 7.00% at similar lenders, and only 0.1% of its loans were higher-priced (a rate well above the average for similar loans), against 1.5%. Its typical loan, $175,000, was larger than at about four in five peers, against $115,000.
Loans in majority-minority areas were 21.6% of its lending, against 10.9% at similar lenders, higher than about seven in ten of them, and up from 15.0% five years before. LMI (low- and moderate-income) borrowers took 28.5% of its loans, near peers' 27.1%.
Originations rose 12% to 1,842, while similar lenders grew 9% and the whole market 10%. In New York-Newark-Jersey City, its largest market, it ranked 71 of 802 lenders and has reported there since 1994.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jovia Financial Federal Credit Union took 3,655 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 46.9% · Other 28.0% · Refinance 19.7% · Purchase 5.4%
Conventional 100.0% · of 1,842 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 | 1,841 | 99.9% |
| New Jersey | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nassau County-Suffolk County | 1,691 |
| New York-Jersey City-White Plains | 130 |
| Kiryas Joel-Poughkeepsie-Newburgh | 6 |
| Albany-Schenectady-Troy | 4 |
| Buffalo-Cheektowaga | 2 |
| Kingston | 2 |
| Syracuse | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T7DF901BR7V258 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 823674 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52760 | 1994–2017 |
Established 1 January 1938. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Jovia Financial Federal Credit Union's data.
Jovia Financial Federal Credit Union's data
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Jovia Financial 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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