Applications / Mortgage Analytics / Lenders / New York / Family First of NY Federal Credit Union
Rochester, NY · Credit union · NCUA · $328 million assets · 415 loans in 2025
Family First of NY Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
415
loans originated, 2025
532
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Family First of NY Federal Credit Union lends to low- and moderate-income borrowers more than about nine in ten similar credit unions, and its biggest line is home improvement.
Low- and moderate-income (LMI) borrowers took 40.2% of its loans, against 27.5% at similar credit unions (credit unions making between half and twice as many loans). Five years ago the figure was 24.9%. LMI neighborhoods took 21.6%, higher than at more than four in five similar lenders.
Home improvement made up 37.3% of its loans and purchases 28.0%, all conventional. It made more loans than the typical similar lender, 415 against 395, but lent fewer dollars, $60.1 million against $67.8 million. It made no jumbo loans (larger than the conforming limit), which could account for the difference.
Its loans fell 2% while similar credit unions grew 7%. In Rochester, where it has lent since at least 1990, its share slipped to 1.2% from 1.3%, and it ranks 23rd of 251 lenders. Premium Mortgage and ESL Federal Credit Union lead. Shares are counted in dollars, so a lender without large loans can lose share without losing borrowers.
Its typical rate, 6.99%, matched that of similar credit unions. Only 1.2% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Family First of NY Federal Credit Union took 532 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 37.3% · Purchase 28.0% · Other 17.3% · Refinance 17.3%
Conventional 100.0% · of 415 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 | 415 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 380 |
| Buffalo-Cheektowaga | 5 |
| Syracuse | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EZIROI6ZF7B419 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 176482 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 519304 | 1990–2017 |
Established 1 January 1969. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Family First of NY Federal Credit Union's data.
Family First of NY Federal Credit Union's data
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Family First of NY 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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