Applications / Mortgage Analytics / Lenders / New York / NCPD Federal Credit Union
Plainview, NY · Credit union · NCUA · $904 million assets · 39 loans in 2025
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39
loans originated, 2025
42
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NCPD Federal Credit Union lends big sums for home purchases: its typical loan in 2025 was $525,000, against $85,000 at similar credit unions.
Home purchases were 89.7% of its loans. Similar lenders, credit unions making between half and twice as many loans, mostly make much smaller loans; its typical loan was larger than at nearly all of them. Its 39 loans came to $18.0 million, more than at about nineteen in twenty peers.
It has lent in the New York area since 1994. In 2025 it lent for the first time around Tampa, Sarasota, Daytona Beach and The Villages in Florida, though its share of each is tiny.
Low- and moderate-income (LMI) borrowers took 8.1% of its loans, against 31.6% at similar lenders, and LMI neighborhoods 5.4%, against 17.4%. Both shares are among the lowest of its peers. One possible reason is its loan size: buyers borrowing $525,000 tend to earn more.
Its typical rate was 6.12%, below the 6.75% at similar lenders and lower than at about six in seven of them. It made 39 loans, up 11% from 35, but far fewer than the 138 of 2020, a year refinancing may have swelled.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NCPD Federal Credit Union took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.7% · Refinance 10.3%
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 | 32 | 82.1% |
| Florida | 5 | 12.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nassau County-Suffolk County | 31 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| New York-Jersey City-White Plains | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Tampa | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NPANOIK7XYK714 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 308573 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53850 | 1994–2017 |
Established 1 January 1940. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: NCPD Federal Credit Union's data.
NCPD Federal Credit Union's data
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NCPD 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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