Applications / Mortgage Analytics / Lenders / New York / Suffolk Federal Credit Union
Medford, NY · Credit union · NCUA · $2.0 billion assets · 1,203 loans in 2025
Suffolk Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,203
loans originated, 2025
2,337
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Suffolk Federal Credit Union, a New York credit union whose lending is mostly home improvement, grew its originations 54% in 2025, faster than nearly all similar lenders.
Originations rose 54% to 1,203, against 8% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. Its dollar volume nearly doubled, from $140.4 million to $273.9 million. Five years before it made 495 loans.
Home improvement was 50.0% of its loans and other purposes 27.7%; purchases were 11.1% and refinances 11.2%. All its loans were conventional. Its typical loan rose to $155,000 from $115,000, larger than at about three-quarters of peers. It also bought 53 loans, where most peers bought none.
Its typical rate was 5.99% against 7.00% at peers, lower than at nearly nine in ten of them. Its mix of home-improvement and other-purpose loans is one possible reason. Higher-priced loans (a rate well above the average for similar loans) were 1.7%, close to peers' 1.5%.
LMI (low- and moderate-income) borrowers took 29.1% of its loans against 27.5% at peers. Its share in LMI areas fell to 16.8% from 21.0% last year, still above peers' 15.0%; faster growth outside those areas is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Suffolk Federal Credit Union took 2,337 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.0% · Other 27.7% · Refinance 11.2% · Purchase 11.1%
Conventional 100.0% · of 1,203 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 | 1,182 | 98.3% |
| Florida | 10 | 0.8% |
| North Carolina | 4 | 0.3% |
| Connecticut | 3 | 0.2% |
| Vermont | 2 | 0.2% |
| Delaware | 1 | 0.1% |
| New Jersey | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nassau County-Suffolk County | 1,162 |
| New York-Jersey City-White Plains | 14 |
| West Palm Beach-Boca Raton-Delray Beach | 3 |
| Albany-Schenectady-Troy | 2 |
| Charlotte-Concord-Gastonia | 2 |
| Hartford-West Hartford-East Hartford | 2 |
| Hickory-Lenoir-Morganton | 2 |
| Kiryas Joel-Poughkeepsie-Newburgh | 2 |
| Orlando-Kissimmee-Sanford | 2 |
| Buffalo-Cheektowaga | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NWYTCEH9RSSW54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 847586 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 517914 | 1990–2017 |
Established 1 January 1967. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Suffolk Federal Credit Union's data.
Suffolk Federal Credit Union's data
$215
Suffolk 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 Suffolk 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]