Applications / Mortgage Analytics / Lenders / New York / Suma Federal Credit Union
Yonkers, NY · Credit union · NCUA · $458 million assets · 82 loans in 2025
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82
loans originated, 2025
88
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Suma Federal Credit Union, based in Yonkers, makes loans almost four times the size of those at similar credit unions, and a larger share of its loans in poorer and minority neighborhoods than most of them.
Its typical loan in 2025 was $370,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans). That is larger than at nearly all of them. With 82 loans, about the same number as its peers, it lent $38.6 million, more than three times their $11.5 million. Home purchases made up 75.6% of its loans, refinances the rest.
Its loans rose 19%, from 69 to 82, faster than the 7% of similar lenders and the market's 10%. That recovers some of the ground lost since 2022, when it made 117 loans. Its volume today is close to the 83 of 2020.
A quarter of its loans, 25.6%, went to low- and moderate-income (LMI) neighborhoods, against 17.2% for similar lenders, higher than at nearly four in five of them. Majority-minority neighborhoods took 26.8%, nearly three times the peers' 9.1%. The markets it serves, led by the New York metro, are a plausible reason.
It has lent in New York since at least 1990, and in 2025 it lent across eight states and 17 metros. Recent entries are in Florida, including Jacksonville in 2021 and Ocala in 2025, though its share there rounds to nothing. Near home its share is small, 0.1% in both Bridgeport-Stamford-Danbury and Kiryas Joel-Poughkeepsie-Newburgh.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Suma Federal Credit Union took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.6% · Refinance 24.4%
Conventional 100.0% · of 82 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 | 44 | 53.7% |
| Connecticut | 16 | 19.5% |
| Florida | 14 | 17.1% |
| New Jersey | 3 | 3.7% |
| Pennsylvania | 2 | 2.4% |
| District of Columbia | 1 | 1.2% |
| South Carolina | 1 | 1.2% |
| Virginia | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 35 |
| Bridgeport-Stamford-Danbury | 16 |
| Kiryas Joel-Poughkeepsie-Newburgh | 7 |
| North Port-Bradenton-Sarasota | 5 |
| West Palm Beach-Boca Raton-Delray Beach | 3 |
| Jacksonville | 2 |
| Tampa | 2 |
| Arlington-Alexandria-Reston | 1 |
| Buffalo-Cheektowaga | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RJ5S2V4F8C4H36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 784887 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 516360 | 1990–2017 |
Established 1 January 1964. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Suma Federal Credit Union's data.
Suma Federal Credit Union's data
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Suma 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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