Applications / Mortgage Analytics / Lenders / New York / Northern Credit Union
Watertown, NY · Credit union · NCUA · $678 million assets · 753 loans in 2025
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753
loans originated, 2025
1,066
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Northern Credit Union ranks third in Watertown-Fort Drum and gained share there and in Syracuse in 2025, with more of its loans going to low- and moderate-income borrowers than at most similar credit unions.
In Watertown-Fort Drum it ranks 3 of 106 lenders, with 8.4% of the dollars against 7.7% a year earlier, behind First Technology Federal Credit Union and Movement Mortgage. In Syracuse it ranks 23 of 246, with 1.3% against 0.9%. Originations rose 7% to 753, near the 8% of the typical similar lender (credit unions making between half and twice as many loans).
34.1% of its loans went to low- and moderate-income (LMI) borrowers, against 27.5% for peers, higher than about four in five, and up from 26.9% in 2024. 18.5% were in LMI tracts, against 15.0%. Its typical loan, $85,000, was smaller than at most peers.
2.1% of its loans were guaranteed by the Department of Veterans Affairs (VA), where the typical peer made none, and manufactured homes were 3.5% of its loans, against 0.3%. Manufactured-home loans are often priced higher, which may help explain a higher-priced share (a rate well above the average for similar loans) of 2.3%, a little above the peers' 1.7%. Its typical rate, 6.38%, was lower than at about four in five peers.
2.0% of its loans were in majority-minority tracts, against 10.5% for peers. A possible reason is the make-up of the markets it serves, led by Watertown-Fort Drum and non-metro New York.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Northern Credit Union took 1,066 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 31.5% · Home improvement 25.5% · Refinance 22.0% · Other 21.0%
Conventional 97.9% · VA 2.1% · of 753 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 | 752 | 99.9% |
| Maine | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Watertown-Fort Drum | 339 |
| Syracuse | 159 |
| Utica-Rome | 2 |
| Albany-Schenectady-Troy | 1 |
| Binghamton | 1 |
| Nassau County-Suffolk County | 1 |
| New York-Jersey City-White Plains | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006Z1T521ODWBA53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 194981 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510578 | 2014–2017 |
Established 1 January 1955. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Northern Credit Union's data.
Northern Credit Union's data
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Northern 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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