Applications / Mortgage Analytics / Lenders / New York / Community Resource Federal Credit Union
Latham, NY · Credit union · NCUA · $119 million assets · 39 loans in 2025
Community Resource Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
39
loans originated, 2025
58
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Resource Federal Credit Union lends mainly against homes people already own: other-purpose and home-improvement loans made up most of its 39 loans in 2025.
Other-purpose loans were 64.1% of its total and home-improvement loans 23.1%. Purchases were just 7.7%. Its typical loan was $95,000, near the middle of similar lenders (credit unions making between half and twice as many loans).
Originations rose 22% from 32, against 1% at similar lenders and 10% for the whole market, faster than about seven in ten of those peers. At 39 loans, a few either way move that rate a long way.
Low- and moderate-income (LMI) borrowers took 41.0% of its loans, against 31.6% at similar lenders, higher than about three-quarters of them. The share was 21.9% a year earlier, a swing a handful of loans can produce.
It ranked 92 of 265 lenders in Albany-Schenectady-Troy, where it has lent since 1993. Its share in Glens Falls rose 0.1 points. It made 81 loans in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Resource Federal Credit Union took 58 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 64.1% · Home improvement 23.1% · Purchase 7.7% · Refinance 5.1%
Conventional 100.0% · of 39 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 | 39 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany-Schenectady-Troy | 34 |
| Glens Falls | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002PPPIVY6G0AH03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 196172 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5770 | 1993–2017 |
Established 1 January 1935. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Community Resource Federal Credit Union's data.
Community Resource Federal Credit Union's data
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Community Resource 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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