Applications / Mortgage Analytics / Lenders / New York / Niagara's Choice Federal Credit Union
Niagara Falls, NY · Credit union · NCUA · $257 million assets · 136 loans in 2025
Niagara's Choice Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
136
loans originated, 2025
192
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Niagara's Choice Federal Credit Union, a home-improvement lender near Buffalo, more than doubled its loans in 2025, faster than nearly all similar credit unions.
Home improvement made up 45.6% of its loans and other purposes 29.4%. Purchases were just 8.1%. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), and all its loans were conventional.
Its loans rose 139%, to 136 from 57, while similar lenders grew 9% and the whole market 10%. But 2024 was a low year. It made 134 loans in 2022, so much of the gain is a return to earlier levels.
Its typical rate was 5.55%, against 6.75% at similar lenders, lower than at nearly all of them. The numbers do not say which of its products carry the lower rates.
Its share of Buffalo-Cheektowaga rose to 0.3% from 0.1%, for a rank of 50 of 267. United Wholesale Mortgage leads there. It lends in just 3 counties, all in New York.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Niagara's Choice Federal Credit Union took 192 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 45.6% · Other 29.4% · Refinance 16.9% · Purchase 8.1%
Conventional 100.0% · of 136 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 | 136 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 135 |
| Rochester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V56OLT434ILO42 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 265788 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58693 | 1996–2017 |
Established 1 January 1953. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Niagara's Choice Federal Credit Union's data.
Niagara's Choice Federal Credit Union's data
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Niagara's Choice 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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