Applications / Mortgage Analytics / Lenders / New York / Ontario Shores Federal Credit Union
Newfane, NY · Credit union · NCUA · $196 million assets · 146 loans in 2025
Ontario Shores Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
146
loans originated, 2025
208
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ontario Shores Federal Credit Union, a small New York credit union, lends almost entirely for home improvement, in small amounts and more often to lower-income borrowers than most peers.
Home improvement made up 85.6% of its 146 loans; purchases were 8.9%. Its typical loan was $55,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at almost all of them.
Low- and moderate-income (LMI) borrowers took 37.0% of its loans, against 28.6% at peers, more than at about seven in ten. LMI neighborhoods took 22.6%, against 17.3%, up from 3.6% in 2020. Majority-minority neighborhoods took 0.7%, against 9.8%; its lending is in four New York counties, which may hold few such neighborhoods.
Originations fell 18% from 177, while similar lenders grew 9%. Its yearly count has stayed between 141 and 177 since 2021, so 2025 sits within that range rather than marking a break.
In Buffalo-Cheektowaga, NY, its largest market, it ranked 65 of 267 lenders with 0.2% of the market, down from 0.3%. Small home-improvement loans add up to little in a market measured in dollars, a possible reason for the modest rank.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ontario Shores Federal Credit Union took 208 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 85.6% · Purchase 8.9% · Refinance 5.5%
Conventional 100.0% · of 146 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 | 146 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 90 |
| Rochester | 54 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009U7VIT7UF4QH15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 363385 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 514462 | 1991–2017 |
Established 1 January 1961. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Ontario Shores Federal Credit Union's data.
Ontario Shores Federal Credit Union's data
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Ontario Shores 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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