Applications / Mortgage Analytics / Lenders / New York / Meridia Community Federal Credit Union
Hamburg, NY · Credit union · NCUA · $138 million assets · 73 loans in 2025
Meridia Community Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
73
loans originated, 2025
85
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Meridia Community Federal Credit Union, reporting again in 2025 after five years without a report, lends almost entirely for home improvement and other purposes rather than purchases.
Home-improvement loans made up 50.7% of its 73 loans and other purposes 46.6%; it made no purchase loans. Its typical loan was $55,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than all but a few of them. It filed no report for 2020 to 2024, so there is no recent year to compare.
Its typical rate was 5.99%, against 6.75% at peers, lower than about nine in ten of them. None of its loans was higher-priced (a rate well above the average for similar loans); the typical peer made 3.2% of its loans that way.
Its lending covers four counties in one metro and the rural country beyond. It ranks 88th of 267 lenders around Buffalo, where United Wholesale Mortgage and M&T Bank lead. Low- and moderate-income borrowers took 27.4% of its loans, close to peers' 30.6%. But only 2.7% of loans went to low- and moderate-income neighborhoods, and none to majority-minority ones. In so small an area, the mix of neighborhoods it serves may explain much of that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Meridia Community Federal Credit Union took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.7% · Other 46.6% · Refinance 2.7%
Conventional 100.0% · of 73 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 | 73 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 71 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VRRL70B52CAL31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 800880 | 2011–2019 |
| Respondent ID (the HMDA filer code before 2018) | 510684 | 1995–2017 |
Established 1 January 1955. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Meridia Community Federal Credit Union's data.
Meridia Community Federal Credit Union's data
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Meridia Community 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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