Applications / Mortgage Analytics / Lenders / New York / Financial Trust Federal Credit Union
Cheektowaga, NY · Credit union · NCUA · $191 million assets · 75 loans in 2025
Financial Trust Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
75
loans originated, 2025
114
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Financial Trust Federal Credit Union, of Cheektowaga, near Buffalo, is mainly a home-improvement lender, and its loans rose 63% in 2025, faster than at nine in ten similar credit unions.
Its loans rose 63% in 2025, from 46 to 75, against 6% at similar lenders (credit unions making between half and twice as many loans) and 10% across the whole market. Its count has bounced around, from 78 in 2022 to 46 in 2024, so one strong year is not yet a trend.
Home improvement accounted for 45.3% of its loans, refinances 32.0% and purchases 22.7%. Its typical loan rose from $55,000 to $95,000, level with peers'.
Only 8.0% of its loans were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 17.4% at peers, and the share fell from 15.2% in 2024. Home-improvement loans go to people who already own homes, which may tilt it toward better-off areas, and with 75 loans a few either way move the share.
It holds 0.1% of the Buffalo-Cheektowaga market, 70th of 267 lenders, unchanged from 2024. United Wholesale Mortgage and M&T Bank lead there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Financial Trust Federal Credit Union took 114 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 45.3% · Refinance 32.0% · Purchase 22.7%
Conventional 100.0% · of 75 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 | 75 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 63 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900L3N47KFV5KSJ32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 575786 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56870 | 2012–2017 |
Established 1 January 1950. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Financial Trust Federal Credit Union's data.
Financial Trust Federal Credit Union's data
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Financial Trust 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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