Applications / Mortgage Analytics / Lenders / New York / Great Erie Federal Credit Union
Orchard Park, NY · Credit union · NCUA · $150 million assets · 90 loans in 2025
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90
loans originated, 2025
97
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Half the loans Great Erie Federal Credit Union made in 2025 were for home improvement, which makes this Buffalo-area credit union more a home-improvement lender than a home-buying one.
Home improvement made up 50.0% of its 90 loans, refinances 27.8% and purchases only 13.3%. Nearly all were conventional. Its typical loan, $105,000, was close to the $95,000 of similar lenders, credit unions making between half and twice as many loans.
Its typical rate was 7.50%, against 6.75% at the typical similar lender, higher than about four in five of them. Its lean toward home-improvement loans, which can carry higher rates than loans to buy a home, may be one reason. None of its loans was higher-priced (a rate well above the average for similar loans).
Its loans fell 3%, from 93 to 90, while similar lenders grew 7%. Its share of Buffalo held at 0.2%, ranking 55 of 267 lenders, in a market led by United Wholesale Mortgage and M&T Bank. It has lent there since 2010. It reported far fewer loans before 2020, just 26 in 2019, against 143 in 2022; it filed no report for 2020 and 2021.
Only 5.6% of its loans went to poorer neighborhoods (low- and moderate-income tracts), against 17.3% at the typical similar lender, and 23.6% of its borrowers had low or moderate incomes, against 30.3%. Its lending is concentrated in four counties, and the tracts within reach of its members may be few; with 90 loans, a few either way move these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Great Erie Federal Credit Union took 97 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.0% · Refinance 27.8% · Purchase 13.3% · Not applicable 5.6% · Other 3.3%
Conventional 98.9% · FHA 1.1% · of 90 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 | 90 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 86 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P6D12TWGGIV170 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 574882 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57925 | 2010–2017 |
Established 1 January 1952. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Great Erie Federal Credit Union's data.
Great Erie Federal Credit Union's data
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Great Erie 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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