Applications / Mortgage Analytics / Lenders / New York / Heritage Financial Credit Union / Competition
Heritage Financial Credit Union
Middletown, NY · Credit union · NCUA · $805 million assets · 441 loans in 2025
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441
loans originated, 2025
507
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Who Heritage Financial Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — KIRYAS JOEL-POUGHKEEPSIE-NEWBURGH, NY, 2025
Heritage Financial Credit Union ranks 20th of 282 lenders in Kiryas Joel-Poughkeepsie-Newburgh, NY, with $47.6M lent: 1.1% of a $4.18B market.
Kiryas Joel-Poughkeepsie-Newburgh, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — KINGSTON, NY, 2025
Heritage Financial Credit Union ranks 22nd of 184 lenders in Kingston, NY, with $11.4M lent: 1.2% of a $948.7M market.
Kingston, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO PENNSYLVANIA, 2025
Heritage Financial Credit Union ranks 145th of 643 lenders in non-metro Pennsylvania, with $7.2M lent: 0.1% of a $5.62B market.
non-metro Pennsylvania is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NEW YORK-NEWARK-JERSEY CITY, NY-NJ, 2025
Heritage Financial Credit Union ranks 473rd of 802 lenders in New York-Newark-Jersey City, NY-NJ, with $6.2M lent: 0.0% of a $144.16B market.
New York-Newark-Jersey City, NY-NJ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO NEW YORK, 2025
Heritage Financial Credit Union ranks 122nd of 377 lenders in non-metro New York, with $4.6M lent: 0.1% of a $3.97B market.
non-metro New York is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — BAKERSFIELD-DELANO, CA, 2025
Heritage Financial Credit Union ranks 358th of 407 lenders in Bakersfield-Delano, CA, with $245K lent: 0.0% of a $4.24B market.
Bakersfield-Delano, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Heritage Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — CHARLESTON-NORTH CHARLESTON, SC, 2025
Heritage Financial Credit Union ranks 613th of 617 lenders in Charleston-North Charleston, SC, with $65K lent: 0.0% of a $11.91B market.
Charleston-North Charleston, SC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Heritage Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — GREENSBORO-HIGH POINT, NC, 2025
Heritage Financial Credit Union ranks 467th of 469 lenders in Greensboro-High Point, NC, with $45K lent: 0.0% of a $4.20B market.
Greensboro-High Point, NC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Heritage Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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